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Mortgages.ca is a Toronto-based team of top performing mortgage brokers. They work with home buyers and major lenders to find their clients perfectly matched mortgage products.

Mortgages.ca arranges the very best rates, terms, and products on the market at all times for their clients. James and Steve Harrison are the brothers at the helm of the company, and they pride themselves on saving their clients time, money and stress. The cost? 100% free. Most of all they work for you - not the bank.

As a client, you benefit from working with a dedicated and unbiased mortgage professional who wants the best for YOU first and foremost.
What Our Customers Say
BEST MORTGAGE BROKERS.Look no further, they are always so fast at responding to any concerns you have regarding the mortgage process and then the mortgage itself. They made the whole process so seamless and easy.During my application, I wanted to make a change to my mortgage very close to the closing date and they were very understanding and made it happen in the nick of time !! I am very grateful and I highly recommend James and Mayra for all your mortgage needs !
Natalie Kasparian
Natalie Kasparian
James Harrison from mortgages.ca is our go-to mortgage broker. When we first purchased our home 9 years ago, we hadn’t met James yet. We used another broker from a big name company and it was disastrous. We were first time home buyers and I felt so alone in the process. My emails were often ignored and I did not have the guidance one really needs as a first time buyer.My husband is a successful realtor in Toronto and James Harrison came highly recommended. My husband... recommends James to all of his clients as we have trusted him with our personal mortgage financing for the last two renewals. I’ve also recommended James to personal friends and they are all so thankful.James is very professional and very knowledgeable. He always responds very promptly. He makes everything seamless and stress free. He always goes above and beyond. If you’re looking for mortgage broker, look no further!read more
Lisa Marriott
Lisa Marriott
Had a wonderful experience getting our mortgage with James Harrison. This is the second time we had James help us and both times we have been extremely happy. He promptly answered all our questions and took the time to explain different options available to us. Highly recommend working with him and his team!
Anna Shpilevskaya
Anna Shpilevskaya
Only person I trust with my mortgage business. AAA+ service and guidance on the right moves for me and all my clients. The entire team makes the process seamless and easy.
Ryan Wykes
Ryan Wykes
I can not say enough about Steve and his assistance during my journey in purchasing a place. He has been nothing but helpful and full of insights... plus he has a friendly but non-pushy demeanor that made all our correspondences very comfortable. I felt like I could ask him anything and he was always happy to answer my questions in depth and easy to understand. Highly highly recommend Steve!!
Trudy T
Trudy T
We've had a great experience working with James and the Mortgages.ca team for more than a year now, including securing a mortgage for our first home. On top of that, the team alerted us to other great opportunities, such as a program to complete our home renovations and later helped us lower our interest rate. We highly recommend the broker route for anyone buying a home!UPDATE: We worked with James’ team again to refinance. Helpful and smooth process where he provided... multiple options and got us the best rate, allowing us to make the most of our home’s value without moving. When we do sell, we’ll be returning for services from Mortgages.ca!read more
Lauren Pelley
Lauren Pelley
James and his team are helpful, thorough, responsive and just plain lovely to work with. While confirming a mortgage in this crazy market, they moved quickly to align with offer dates and provide sound advice along the way. highly recommend!
Tara Wood
Tara Wood
James and Zayna were great to work with. I was a first time buyer and needed a more complex mortgage setup than usual -- they went out of their way to make the process smooth and answer any questions, and were always super quick with their responses (which, in this crazy world of Toronto real estate, was very helpful). Can't recommend them enough!
Patrick Stein
Patrick Stein
We couldn't be happier with Mortgages.ca and James and Mayra. Extremely professional and knowledgeable, they made the whole process super easy from start to finish and got us a fantastic rate. Highly recommended!!
Andrew Moody
Andrew Moody
Scott Nazareth was awesome from the start to my wife and I when we were looking to buy our first house. He was always super responsive to our questions whether a call or email and made the whole process a complete breeze. We secured an unreal rate also!!! Highly recommended
rahman atta
rahman atta
James and his assistant Mayra did a great job on our mortgage! They were very honest about what I could afford and responded at all times of the day and night to questions I had. To top it all off he got me a great rate and even sent a gift basket to congratulate me on my new home.Would definitely recommend!
Daniel Ling
Daniel Ling
I will highly recommend James Harrison and his team Scott Nazareth @ mortgage.ca.Scott handled all our paper work . He was very professional and patient and answered all are queries and explained everything detailed . With all the follow work and his patience We felt very comfortable working with him. He closed our deal so smoothly and we are very happy that we choose the right brokerage company. Wishing him and his team all the good luck for future.
Shobha Shetty
Shobha Shetty
The professionalism and quality relationships we had during our experience was made so much better by the involvement of our broker and his dedication to our needs and goals. We were shown compassion and understanding that made the stresses of buying a house a little less stressful. Our dreams were met and we couldn’t be happier with our experience with Mortgages.ca and Our guy Vern Bovell. We are only here because of you.ThanksEric and Lisa
Eric Kennedy
Eric Kennedy
James and team were excellent with my first mortgage and subsequent refinancing. Very responsive and clear answers to what may be basic questions from first time buyers, highly recommend and will use James again in the future.
Sean Nolan
Sean Nolan
I've dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.
Alex Dettman
Alex Dettman
Great experience- professional and super pleasant to deal with! Highly recommend.
Sally B
Sally B
Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.
Sean Marks
Sean Marks
Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.
Anne-Marie Stuart
Anne-Marie Stuart
Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I've had a great experience and recommend their service to anyone in need. Thanks again, James!
Himanshu Jog
Himanshu Jog
Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for the mortgage application process.
Brian LeNguyen
Brian LeNguyen
We've been dealing with banks and their Mortgage "experts" our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren't getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for... our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more
Shantelle Bisson
Shantelle Bisson
James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn't even crossed my mind. Just what you need.
L Hunter
L Hunter
Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He stayed calm and leaned on his relationships to make it happen. There aren't a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and... I are very thankful and will continue to use Steve for everything in the future.read more
Shannon Blanshard
Shannon Blanshard
Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating... a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason - Royal LePageread more
Jason Wallace
Jason Wallace
10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.
Landon Wildman
Landon Wildman
Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed... resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve's amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn't get better!read more
Eric Brewer
Eric Brewer
I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.
Antoinette M.
Antoinette M.
I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!
Victor Carrajola
Victor Carrajola
My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott's knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his services.
John Ananiadis
John Ananiadis
To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed decision regarding mortgage products with all of the pros and cons. James is not "coin-operated", meaning he's not focused exclusively on closing your deal and moving on to the next... one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can't say enough about much we enjoyed working with this great company.read more
Dave Gussin
Dave Gussin
I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.ca
Vladimir Rnjak
Vladimir Rnjak
James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.
Aamna C
Aamna C
Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.
Matthew Ryan
Matthew Ryan
Scott did an amazing job as our mortgage broker. As first time home buyers, my fiance and I initially felt intimidated at the prospect of buying a house in the GTA but Scott made the process easy, guiding us through the mortgage process and ensuring we got the best possible deal. He was very responsive to all of our questions and requests and extremely knowledgeable. We could not have been happier with Scott and would not hesitate to work with him in the future.
Neil Sookhoo
Neil Sookhoo
It was a pleasure working with James. He made the mortgage process incredibly easy and was very professional and responsive. On top of that, he got me the best rates. I would recommend James to anyone.
Jack W
Jack W
I had the pleasure of working with James and his team to secure my first mortgage. As a first-time homebuyer, I had many questions - luckily, James was very knowledgeable, helpful, and responsive. James and Zayna also made sure my paperwork was completed smoothly and in a timely manner. I couldn't have asked for better service. Thank you!
Ai Vy Moeller
Ai Vy Moeller
Steve and his team at Mortgages.ca offer exceptional service and professional advise in all things mortgage. This is the 3rd time we have worked with Steve and besides his expert advise, he was able to connect us with industry experts for all our needs (we needed a lawyer) thus making the re-financing process carefree. Last but not least he got us a rate that we didn't believe existed! Thank you Steve!
Luis Varessis
Luis Varessis
I would absolutely recommend Steve to anyone. No question was insignificant to him; his knowledge and expertise helped me immensely and he got me an outstanding rate. Steve always picked up the phone or responded immediately to email. He is highly professional, very responsive and an extremely nice person.
Lynda Brewer
Lynda Brewer
This wasn’t our first time working with Steve and it certainly won’t be our last. Steve and his team went above and beyond again to ensure the process was seamless. A 5 star rating is not enough. We are looking forward to the next purchase with Steve!
Scott Dwinnell
Scott Dwinnell
Steve was the best. Super responsive at all times! He got me the best rate and went above and beyond making me feel at ease as I was a first time home buyer and had many questions.I’ve already started recommending him to my friends and family.Thank you Steve !
Cristina Mg
Cristina Mg
James and his team were great. They were very helpful with a lot of product knowledge (James was able to get us great rates and terms across a few mortgage products for us to choose from), and went above and beyond with customer service. Highly recommend!
Victoria Nanowski
Victoria Nanowski
I saw so many people talking about a lady called Mrs Jane Gilbert and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Jane helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit...
WhatsApp: +19514672061
Email: janegilbert33@gmail.com
Instagram: janetrader01
read more
Steve was our lifeline through refinancing our home. His dedication, knowledge and service was exceptional. We were definitely new to the process and he answered all our questions and concerns at any time of the day! He negotiated an amazing rate for us and dealt with any and every issue professionally with a calm, confident approach. I would not hesitate to recommend Steve and his team. Top notch service and experience!
Andrea Agro
Andrea Agro
As a first time home buyer, finding the right mortgage is extremely intimidating. Steve took the time to educate us, answer our questions (no matter how small or silly they seemed) building trust with us. We are so grateful for the guidance we were given as we have an amazing mortgage rate. Highly recommend!
Paula Parejo
Paula Parejo
James Harrison and Mayra were fanatic help as we purchased our first home! He was quick to communicate and made the process smooth. We will be recommending him to all our friends in the future!!!
Courtney Grafton
Courtney Grafton
I worked with James and his team to help us secure a mortgage for our new home. They were proffesional, responsive and an overall pleasure to work with!
Louis
Louis
My fiancee and I were almost ready to give up after almost a year of searching for our 1st home. A family friend recommended James for our mortgage and because of him and his team we found our dream house! James Harrison and Mayra Watrich were able to provide us with options that our previous mortgage specialists were not able to provide! Thank you so much, you are the best! Couldn’t recommend more!!!
Jarek Stache
Jarek Stache
Scott is an excellent mortgage broker. He worked with us into late nights, navigating busy institutions to make it possible for us to purchase our home. He was responsive, prepared and knowledgeable about the sector. We wouldn't hesitate to recommend him to others - and in fact encourage you to choose him over others in your search for the right home!
Hawa Y. Mire
Hawa Y. Mire
If I could give these guys more than 5 stars I would. James and his team are absolute gems to work with. We were referred to him originally through our realtor 5 years ago for our first mortgage and the level of client service, expertise, and professionalism was top notch. Our mortgage term recently ended and we approached James again to help us look at our options. Again, James and his team were nothing short of amazing to work with. He was able to get us an incredibly... competitive rate (way better than I was expecting) and was able to help us find a product that was the right fit for us. James has earned our trust and we will be life long clients. If you're considering buying your first home, moving, or buying a second property, do yourself a huge favor a book some time to speak with James. You won't regret it.read more
Jon Lloyd
Jon Lloyd
Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!
Vicki Adderley
Vicki Adderley
Mortgages.ca and the very personableJames Harrison have always offered a quick response to any query, in-depth knowledge of mortgage options and concerns, and excellent service to the clients we have successfully referred.
Looking forward to many more!
Answer to trivia question: 2.7%
Great customer service. I was able to get a competitive rate. I'd like to treat them some champagne for helping me with my 1st mortgage so well.
Outstanding service. Steve Harrison went above and beyond. He was always available and answered every phone call or text immediately. We had a few issues which Steve easily solved for us. Would highly recommend.
Excelente service. Steve did everything we needed to get what we needed. Very satisfied
After having a very negative experience with a banks mortgage devision. Steve was exactly what we were looking for. Steve was excellent at answering our questions quickly and clearly. His professionalism gave us the confidence to make an aggressive offer which ended up being successful in the purchase of our 1st home. Thank you Steve, would recommend to any one.
We are very happy with all the customer service, hard work and dedication from James and Laurie. I was able to ask all the important questions and get all the right answers as this was our 1st time buying our 1st home! The efficient and effective work really allowed me to feel at ease that I was getting the best service, rate and lender to make my dreams a reality! I recommend them for all future buyers. Their communication was perfect in instructing me to do have... everything in place with closing! I will continue to recommend them!read more
Once again James has exceeded our expectations with his exceptional customer service and the ability to offer knock out rates. This is our second time using him and have referred him to family and friends. Thanks again for all your help!!
As first time homebuyers, finding the perfect home in Toronto within budget was challenging and full of learning experiences. Steve took the surprises and uncertainty out of the biggest purchase (ahem...loan) of our lives. He was able to answer all of our questions and ensure we had the information we'd need to make a decision. Trust me, as someone in financial risk management, I had A LOT of questions. And of course, No one could come close to the rate he got us. Thanks for... helping us own our dream house and a piece of this great city!read more
A great team of professionals!!!
I was referred to Steve from a colleague and I have been blown away! Just got back from seeing my lawyer who actually fist pumped me on the amazing rate we got. Aside from the low rate, as a first time home buyer, Steve spent so much time with me helping me along the way and educating me on an area I felt I didn't know a lot about. I'm a studier and he provided all the content and clarity I needed. He was only a phone call away and always stopped to take the time Trust is... everything and I feel so lucky to have had Steve during this whole process. Thank you Steve!!read more
Nothing but professionals here, looking forward to our next deal
Incredible customer service from Steve. Always picks up and prompt for meetings. Found the best rates possible and always took the time to explain the pros and cons of each alternative. My go to guy for anything mortgages related!
I’m so lucky I got in touch with Steve Harrison from Mortgages dot ca before signing anything with my bank or the broker my agent referred me to. Steve's ability and willingness to answer all of my questions as they came up day after day, was amazing. He was a great help throughout the process and even found me a significantly better rate than my bank or my realtor's broker. I want to encourage anyone who is in the market to contact Steve Harrison.

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