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Douglas Fox
Douglas Fox
01:30 15 May 22

James Harrison and his team helped us as first time buyers to secure a mortgage at a challenging time, in February and March 2022. He was a knowledgeable and helpful guide, responding to our questions often within the hour. He secured us a good mortgage deal for the lovely downtown condo that is now our home. Very happy!read more

Iyabo Ogundipe
Iyabo Ogundipe

17:11 06 May 22

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WhatsApp: +1 (754) 400-0330
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Caitlin Ross
Caitlin Ross
16:53 29 Apr 22

I was incredibly grateful for James and his team of professionals at Mortgages.ca. Buying my first home was overwhelming, and seemingly confusing process. Once I was connected with James, he made the mortgage process incredibly simple and stress free. I never felt silly asking what I’m sure to him were very basic question about mortgages, and all my concerns were always addressed fully. James was very quick to respond and always available to my agent and I while house hunting. Thanks for making this such a smooth process James!read more

mai Amr
mai Amr
14:59 29 Apr 22

We worked with James and his team twice to get our mortgages for our first home purchase and our current one. They always have a can do attitude, very helpful and always take the time to explain your options and with them you can just rest assured you are getting the best rates in the market, and with all the things you worry about when buying a new home, getting your mortgage is one less thing to worry about! Highly recommended!read more

Rob Webster
Rob Webster
13:48 29 Apr 22

James and his team were professional, helpful, and positive from start to finish, and were instrumental in helping us navigate the increasingly complicated world of mortgage financing for our first home. They struck the right balance between giving us choices, and breaking it down to support us with all of the information and data we needed to make those choices informed. Very strongly recommended!read more

Julian Torres Santeli
Julian Torres Santeli
00:57 27 Apr 22

Worked with Steve Harrison to secure the mortgage for our condo, and cannot recommend him enough. As first time home buyers, we were very new to the process and had tons of questions. Steve and his team were knowledgeable, friendly, prompt, and always reachable. They went above and beyond in walking us through the process, and were there for us at each step of the process. Plus, they got us a very competitive rate, much better than we were getting when we contacted the banks ourselves.read more

Dahx Cazorla
Dahx Cazorla
14:05 18 Apr 22

Amazing people, excellent work!

Harshal K
Harshal K
17:01 11 Apr 22

I have been working with Scott (& Adam recently) for over 4 years now for all my mortgage and real estate financial needs. When I was looking for a mortgage agent first time around, my basic requirement was to look for a reliable partner that I can trust, someone who can deliver on time and can act on urgencies if/when arises. Scott always goes above and beyond for any of my request and ensures that everything runs smoothly. Scott presents me with current situations, the ask, available options and recommends based upon his expertise to which I felt are signs of what I am looking for.Thank you Scott, Adam and Mortgages.ca for flawless experience all the time.read more

Joy Okoli
Joy Okoli

03:08 09 Apr 22

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Erin Ayres
Erin Ayres
14:13 03 Apr 22

James has been our mortgage broker for over ten years helping us buy and renew mortgages for two properties. James and his team are the best!read more

Simthanda Søñkë Wandile

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Akash Shivankar
Akash Shivankar
03:00 21 Mar 22

I met James in 2019 and discussed my plan about buying a home. Unfortunately soon after that the pandemic started and my plans fizzled. In the 3rd quarter of 2021, I re-engaged with Mortgages.ca. James was going on vacation and so my case was handled to Scott. To my surprise, not only the info about my case was properly handed over, every minute detail I had discussed with James reached Scott and he took over exactly where James left. This not only shows the efficient work culture in the team but also made me think that how well was I heard by the team who preserved all the small details through 2 years. Not only did Scott give me the best mortgage rates, clarifications on each of my queries, proper justifications, excellent advices from time to time, he also took great care of my changed circumstances without letting it impact on the original promise. It was a breeze working with Scott because of his unparalleled professional commitment, excellent knowledge and very effective customer-centric dealing approach. I highly recommend Mortgages.ca to anybody who is interested in availing the best mortgage rates in Ontario through hassle-free and speedy professional service. Thanks Scott for all your help.read more

Christopher Sunthgolam
Christopher Sunthgolam
00:00 18 Mar 22

We worked with James and Zayna on getting our first mortgage. They were very patient with us and answered dozens of emails and hours of phone calls of questions. I was apprehensive going into the whole deal and very confident coming out, I’m very glad I found them.read more

Laura Camacho
Laura Camacho
22:38 16 Mar 22

I have used Mortgages.ca for both my mortgages and both times Scott has exceeded my expectations. Scott & Adam were absolutely fantastic this past time in securing me a great rate and putting my mind at ease in the process. They were able to navigate and mitigate complex issues with cross boarder signing and made the process as smooth as possible. Outstanding work by them both, I will certainly be recommending to friends + family and utilizing Mortgages.ca in future as well.read more

Kate Applin
Kate Applin
16:47 15 Mar 22

James and his team are excellent to work with. They’re very knowledgeable and worked hard to find us the best rate for our mortgage. They’re friendly, highly responsive, and efficient. I fully intend to continue working with James and the Mortgages.ca team for any future financing needs, and recommend them to my friends all the time.read more

Kirin Sennik
Kirin Sennik
00:26 04 Mar 22

Steve Harrison helped me purchase my first home. He was an outstanding mortgage broker and we closed within one month of working together due to his outstanding customer service and superior knowledge of the real estate market. Highly recommend 🙂read more

Steven Hempell
Steven Hempell
01:26 03 Mar 22

We found Steve when we were shopping for our first mortgage 5 years ago. He not only got us a lower rate than we expected, but it was with a reputable lender. When it was time to renew, we thought we’d give him another try. He didn’t disappoint, and again negotiated a rate that was better than we could find advertised anywhere online. Beyond that, he was always professional and went out of his way to answer our questions. He was able to speak with us at times that were convenient, and we couldn’t have expected better service. See you in another 5 years, Steve!read more

Colin Kelly
Colin Kelly
17:06 02 Mar 22

We have enjoyed working with Steve Harrison at Mortgates.ca on two consecutive mortgages. He has been a great partner to us. He is knowledgeable, responsive, and works hard to get the best results for his clients. Thank you Steve!read more

Basil Hatto
Basil Hatto
13:11 28 Feb 22

James and his team were a pleasure to work with. They were professional, knowledgeable and very efficient.read more

Ogboh Chijioke
Ogboh Chijioke

14:29 26 Feb 22

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Gucci BOY
Gucci BOY
23:53 25 Feb 22

I wouldn’t go anywhere else

Mosope Adebowale
Mosope Adebowale
22:50 18 Feb 22

I was very happy with the services provided by Scott. He communicated all through and really explained the details of my mortgage as a first time home buyer. Gladly recommend them.read more

Lindsay Mc
Lindsay Mc
14:07 17 Feb 22

James and Mayra are an amazing team! James is very knowledgeable and takes the time to explain every step of the process in a way anyone could understand. Mayra goes above and beyond, is an absolute gem. Without Mayra we would have been lost. I highly recommend James & Mayra for anyone looking for a new broker!read more

Ross Taylor
Ross Taylor
14:28 05 Feb 22

Matt from Mortgages.ca has deservedly built a reputation as THE industry expert on all things related to mortgage pre-payment penalties. I reached out to him for assistance with one of my clients and he generously gave me all his time and knowledge to help me come up with the best strategy for my client. Thank you Matt!read more

Eva Skura
Eva Skura
01:02 05 Feb 22

James and Mayra were incredibly responsive. They helped us with a refinance on a current property and a mortgage for a new property… back-to-back. Given all the pieces that were in motion we were very happy with the services they provided. Thank you James and Mayra!-Eva and Brianread more

Derek O'Neill
Derek O’Neill
04:30 01 Feb 22

We were very happy with the services and advice we got from James. The process of getting our mortgage for the purchase of our home couldn’t have been any easier! James and his team were always willing to take our calls and answer any of our questions (which is good because we had a lot!)As first time home buyers, we felt very taken care of. Would definitely recommend working with the team for your mortgage needs!read more

Alena Moravcova
Alena Moravcova
12:04 26 Jan 22

Thank you so much James. It was an absolute pleasure working with you for the purchase of my home. 10 stars!read more

Ashish Chaturvedi
Ashish Chaturvedi
20:55 25 Jan 22

Excellent service, quality, and the best rates! I would recommend James and his team over any other any day. Keep it up James!!read more

Aziz Fazal
Aziz Fazal
01:55 25 Jan 22

I am amazed at the speed with which James secured a bridging loan at an unbelievable 2.7% interest rate. James is to the point; extremely knowledgeable about all aspects of financing and readily available to discuss any issues. With Mayra working behind the scenes to ensure that all the details are tended to in a timely fashion. We have particularly appreciated her regular updates on activities. Together an amazing “can do” team who are deserving of their Google description as the best mortgage brokerage in Toronto.read more

Tara Jainudeen
Tara Jainudeen
12:20 21 Jan 22

James was extremely helpful from the very beginning of our home search, his guidance and the final work to obtain a great mortgage made our house hunting experience a breeze in these very unpredictable times.A special mention of Zayna who was very patient and thorough in helping us get all the paper work together!Our family will go them James again any time and highly recommend his and his team to all our friends and family.read more

Andrew Jeffrey
Andrew Jeffrey
03:26 17 Jan 22

We received great advice from Steve and the whole process was very easy.read more

Kate MacLean
Kate MacLean
19:36 10 Jan 22

James and Zayna were fantastic to work with!! They were so helpful in guiding us through our first home purchase and were very patient with all of our questions. I strongly suggest using Mortgages.ca and look forward to working with them through this mortgage and beyond!Kate & Pat.read more

simon mcneil
simon mcneil
16:22 10 Jan 22

I initially got a mortgage broker with my bank who was very complicated to understand and difficult to work with. I randomly and luckily fell on James Harrison at Mortgages.ca, and he was phenomenal. He was extremely easy to work with, provided the info that I needed, and answered all the questions that I had.On top of the mentioned things I said, he was also able to get me a much better mortgage rate and price then what the mortgage advisor at the bank was offering me.When I need another mortgage I’ll for sure be going back to James!read more

Allison Partington
Allison Partington
18:46 07 Jan 22

I can’t say more about James Harrison and the Mortgages.ca team. I’ve been working with James since entering into the housing market in 2009, and just completed our 3 transaction with him. He provides you with all options, offering his opinion and finding one that works for your unique circumstance. He’s very responsive and generally a great person to know.read more

Michael Moore
Michael Moore
17:16 14 Dec 21

James and his team helped us through the process of securing our first mortgage. No issues and he was always happy to answer questions and explain our options. Also sent a very nice housewarming basket!read more

Ikekhuamen Nora
Ikekhuamen Nora

14:13 13 Dec 21

I saw a page review about Mrs Susan Ryan and I must confess that She is a good trader and best in her field as they said, She managed my account after I invested $700 I got $6,200 within few day’s of investment I was so shocked, with Mrs Susan Ryan, your money is 100% secured,. Trust me you have nothing to lose
You can contact her via
Email: susanryan3221@gmail.com
WhatsApp: +13523292265
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Michelle Eisen
Michelle Eisen
14:34 06 Dec 21

James was so helpful and patient. He took time to explain everything I needed to know and provided me with a number of different options. He was quick to respond and worked through each scenario that was brought forward to him logically and skillfully.read more

Mariam Olafuyi
Mariam Olafuyi
16:15 17 Nov 21

Scott was absolutely fantastic in helping us arrange for our mortgage. The processes were clear and well explained and he took his time to understand us and our needs. He walked with us every step of the way and took extra efforts to ensure that all the required documentation were well presented to the bank. This was an entirely stress free process and in the future we will definitely use Scott’s services!read more

Nick Berube
Nick Berube
01:21 05 Nov 21

Steve was incredibly helpful…again! We’ve gone to Steve 3 times in the last 10 years (new and renewal) and he has delivered the best product on the market each and every time. He has a wealth of experience, knows the industry very well, and was always quick to answer my calls or emails. Definitely recommend reaching out to Steve for your next mortgage!read more

Tyler Flockhart
Tyler Flockhart
10:00 03 Nov 21

We have used Steve for 2 mortgages and a re-financing so far and it is always a pleasure working with him. He is easy to get a hold of, super knowledgeable, reassuring and kind. His focus is always to provide the best option for his clients. Highly recommended! Thanks again for all your help Steve!read more

Asad Durrani
Asad Durrani
16:06 02 Nov 21

Incredibly helpful, responsive, an knowledgable for first time homebuyers/mortgage seekers. 10/10 would recommend!read more

Mirela Antonescu
Mirela Antonescu
15:56 26 Oct 21

I worked with James and Mayra for my mortgage re-financing and I was impressed with the attention to details and responsiveness! They are also very nice making you comfortable with the otherwise stressful process. The product I got was better than expected. I highly recommend them!read more

Anjali Chawla
Anjali Chawla
13:26 26 Oct 21

James and his team were incredible to work with. They were extremely professional and knowledgeable, and guided us through all the steps of getting our first mortgage. James is a true expert in his field and I highly recommend him. Be assured that he will go above and beyond for your needs and do so in a professional, timely and calm manner.read more

Konstantin Borschiov
Konstantin Borschiov
22:58 21 Oct 21

Second time getting a mortgage with Steve, worked out great.read more

Ramin Mafi
Ramin Mafi
05:07 21 Oct 21

Few years back, we started looking for a good mortgage rate. Being first time home buyers plus rather short closing date added to our stress, but we were lucky to work with James at Mortgages.ca. James was confident and was able to offer us a good deal in a couple of days. Zayna, who helped us with the application process was super nice and responsive and made this process as smooth as possible. We recently sold that property and purchased a new house. James and Zayna were fantastic as before and we repeated our positive experience again.read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
15:24 12 Oct 21

Update 12-Oct-21: Once again I leveraged the expertise of James Harrison and his team at Mortgage Architects (mortgages.ca) for my latest real estate transaction and everything went super smoothly! They simplify the entire process, which, as we know, can get super complex. I am comforted knowing that I have the best team to support me through the deal. They are superstars in their field and best of all they are very responsive so you are apprised of the status at all times. I have high standards and they always exceed them. Thanks again James, Zayna and mortgages.ca team for another great experience!James Harrison and his team at Mortgage Architects (mortgages.ca) embodies the modern brokerage firm you need to help you with the biggest transaction of your life. Their speed, responsiveness, professionalism, accuracy and customer-centricity strengthen their unique value proposition against other competitors. From my first interaction with James, to the closing process with Zayna, I can confidently say that their team is the very best. Thank you for a great experience, you’ve earned a client for life!read more

William Soraine
William Soraine
20:32 28 Sep 21

James and Zayna were great to work with. Engaged their services twice, within a span of 3 years – which in itself is a testament of their quality of service. Professional, very quick to respond and follow up (if you forget any items that are outstanding on your side). Highly recommended!read more

Danielle Prior
Danielle Prior
13:24 28 Sep 21

I worked with Steve when I got my mortgage a few years ago and then again just recently for a refinance. He is great! He is always quick to respond to any of my emails and he always takes the time to answer all my questions and really explain the process. He definitely goes above and beyond! I highly recommend Steve! 🙂read more

Stephanie Radcliffe
Stephanie Radcliffe
13:21 28 Sep 21

Steve is fantastic. He went above and beyond, answering all of our questions and securing us a great rate. We went with a big bank for our first mortgage but I will always go with a broker from now on.read more

Chaitanya Mukkamala
Chaitanya Mukkamala
14:18 23 Sep 21

As a first time home buyer and a newcomer to Canada, Scott Nazareth was very patient and helpful in explaining the process and hand holding us on every step of the process. He was very quick in responding to our queries and would give us a detailed explanation whenever we needed help. Thanks for making the process easy for us, Scott. We will definitely come back to Mortgages.ca and Scott for any future mortgage needs.read more

Alan B
Alan B
00:41 15 Sep 21

This was my second time working with James. Each time has been fast and seamless. Quick responses to all my questions. Very professional Clear explanations of everything going during the buy / sale. I would recommend James to everyone!read more

Michael Mooney
Michael Mooney
23:46 14 Sep 21

Steve & Zayna were incredibly helpful and supportive through the whole process. Highly recommend!read more

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

We worked with Steve for the mortgage of our dream house. He and his team were so supportive and responsive and patiently addressed any concern that we had. The process was very smooth and he handled everything on time and as promised. I definitely recommend him for anyone looking for a smart, honest, professional and responsible mortgage broker.read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

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

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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.read more

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blog, Home Ownership, Mortgage News, Mortgage Refinance, Uncategorized

Urgent Message on Mortgage Rates

As many of you may have seen in the media recently:

 

“Rates are going up,” and “Mortgage rates have to go up.”

 

We all know the media tends to focus on the negative – but rest assured, rate changes are nothing new for us as Mortgage Brokers, and this news does not change our client recommendations.

 

Is inflation high right now? Yes. But for the Bank of Canada to even consider raising the prime rate, we’d need to see sustained inflation for 6+ months to move the needle in any meaningful way.

 

For reference: a 0.25% increase in the prime rate = $12 increase per month per $100,000 mortgage borrowed.

 

Below just a few of the many reasons to maintain your variable rate mortgage – or refinance and get a new variable.

 

 

1) The primary reason: Once you lock into a fixed rate, your future potential prepayment penalty goes up 900% on average.

 

No client plans on breaking their mortgage, but over 70% of Canadians do for one reason or another, and over 85% of Canadians will either move or refinance every 3.5 yrs. In other words, the probability is high. Simply put, life happens.

 

2) If you lock in, you are self-imposing a rate increase that is 4 times greater than any Bank of Canada rate increase, as the average fixed rate is 1.00% higher than variable on average.

 

3) The prime rate would have to go up 9 times in the next 5 years for you to lose money comparatively (when comparing fixed to variable today).

 

4) If you are concerned about your payments going up, give me a call. We can lock into a variable rate around product 1.20 to 1.45% with a fixed payment 🙂 Win-win. We are happy to help with that at Mortgages.ca.

 

5) If you think that the prime rate will go up, simply increase your payments now (maybe $200-300 a month). This way, you are paying off principal instead of interest while you wait, and you maintain the FAR superior terms and conditions of the variable product!

 

Pay off your mortgage (ie: put it in your pocket – not the bank’s profit margin).

 

6) The Banks/lender will call you to fear monger you into locking in your variable rate to a fixed within weeks of any prime rate increase:

 

Why? Because it is what is best for them, not you. The fixed rate is more profitable for the banks, especially the 5-year fixed.

 

Don’t get mad. They are a business, and a very successful one at that. Just buy more of their stock and enjoy the dividends.

 

The prime rate goes up and down – not that often, but it happens. The bottom line is that those who take a variable rate mortgage, pay less total interest than those who go fixed (every time for the last 50 years). PLUS they benefit from far superior terms and conditions – if life happens.

 

Life is Variable – Your mortgage should be too!

 

Stay strong – and stay the course 🙂

 

Douglas Fox
Douglas Fox
01:30 15 May 22

James Harrison and his team helped us as first time buyers to secure a mortgage at a challenging time, in February and March 2022. He was a knowledgeable and helpful guide, responding to our questions often within the hour. He secured us a good mortgage deal for the lovely downtown condo that is now our home. Very happy!read more

Iyabo Ogundipe
Iyabo Ogundipe

17:11 06 May 22

indeed Brenda you are a great and perfect account manager for proving that binary and crypto investment is highly profitable. I made a deposit of $1,500 and she traded on my account and behold I’m earning $15,500 weekly no hidden charges no withdrawal fee so happy and I will always testify about her.. Thank you Mrs Brenda William, Contact 👇
Email: brendawilliam784@gmail.com.
WhatsApp: +1 (754) 400-0330
read more

Caitlin Ross
Caitlin Ross
16:53 29 Apr 22

I was incredibly grateful for James and his team of professionals at Mortgages.ca. Buying my first home was overwhelming, and seemingly confusing process. Once I was connected with James, he made the mortgage process incredibly simple and stress free. I never felt silly asking what I’m sure to him were very basic question about mortgages, and all my concerns were always addressed fully. James was very quick to respond and always available to my agent and I while house hunting. Thanks for making this such a smooth process James!read more

mai Amr
mai Amr
14:59 29 Apr 22

We worked with James and his team twice to get our mortgages for our first home purchase and our current one. They always have a can do attitude, very helpful and always take the time to explain your options and with them you can just rest assured you are getting the best rates in the market, and with all the things you worry about when buying a new home, getting your mortgage is one less thing to worry about! Highly recommended!read more

Rob Webster
Rob Webster
13:48 29 Apr 22

James and his team were professional, helpful, and positive from start to finish, and were instrumental in helping us navigate the increasingly complicated world of mortgage financing for our first home. They struck the right balance between giving us choices, and breaking it down to support us with all of the information and data we needed to make those choices informed. Very strongly recommended!read more

Julian Torres Santeli
Julian Torres Santeli
00:57 27 Apr 22

Worked with Steve Harrison to secure the mortgage for our condo, and cannot recommend him enough. As first time home buyers, we were very new to the process and had tons of questions. Steve and his team were knowledgeable, friendly, prompt, and always reachable. They went above and beyond in walking us through the process, and were there for us at each step of the process. Plus, they got us a very competitive rate, much better than we were getting when we contacted the banks ourselves.read more

Dahx Cazorla
Dahx Cazorla
14:05 18 Apr 22

Amazing people, excellent work!

Harshal K
Harshal K
17:01 11 Apr 22

I have been working with Scott (& Adam recently) for over 4 years now for all my mortgage and real estate financial needs. When I was looking for a mortgage agent first time around, my basic requirement was to look for a reliable partner that I can trust, someone who can deliver on time and can act on urgencies if/when arises. Scott always goes above and beyond for any of my request and ensures that everything runs smoothly. Scott presents me with current situations, the ask, available options and recommends based upon his expertise to which I felt are signs of what I am looking for.Thank you Scott, Adam and Mortgages.ca for flawless experience all the time.read more

Joy Okoli
Joy Okoli

03:08 09 Apr 22

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Erin Ayres
Erin Ayres
14:13 03 Apr 22

James has been our mortgage broker for over ten years helping us buy and renew mortgages for two properties. James and his team are the best!read more

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Akash Shivankar
Akash Shivankar
03:00 21 Mar 22

I met James in 2019 and discussed my plan about buying a home. Unfortunately soon after that the pandemic started and my plans fizzled. In the 3rd quarter of 2021, I re-engaged with Mortgages.ca. James was going on vacation and so my case was handled to Scott. To my surprise, not only the info about my case was properly handed over, every minute detail I had discussed with James reached Scott and he took over exactly where James left. This not only shows the efficient work culture in the team but also made me think that how well was I heard by the team who preserved all the small details through 2 years. Not only did Scott give me the best mortgage rates, clarifications on each of my queries, proper justifications, excellent advices from time to time, he also took great care of my changed circumstances without letting it impact on the original promise. It was a breeze working with Scott because of his unparalleled professional commitment, excellent knowledge and very effective customer-centric dealing approach. I highly recommend Mortgages.ca to anybody who is interested in availing the best mortgage rates in Ontario through hassle-free and speedy professional service. Thanks Scott for all your help.read more

Christopher Sunthgolam
Christopher Sunthgolam
00:00 18 Mar 22

We worked with James and Zayna on getting our first mortgage. They were very patient with us and answered dozens of emails and hours of phone calls of questions. I was apprehensive going into the whole deal and very confident coming out, I’m very glad I found them.read more

Laura Camacho
Laura Camacho
22:38 16 Mar 22

I have used Mortgages.ca for both my mortgages and both times Scott has exceeded my expectations. Scott & Adam were absolutely fantastic this past time in securing me a great rate and putting my mind at ease in the process. They were able to navigate and mitigate complex issues with cross boarder signing and made the process as smooth as possible. Outstanding work by them both, I will certainly be recommending to friends + family and utilizing Mortgages.ca in future as well.read more

Kate Applin
Kate Applin
16:47 15 Mar 22

James and his team are excellent to work with. They’re very knowledgeable and worked hard to find us the best rate for our mortgage. They’re friendly, highly responsive, and efficient. I fully intend to continue working with James and the Mortgages.ca team for any future financing needs, and recommend them to my friends all the time.read more

Kirin Sennik
Kirin Sennik
00:26 04 Mar 22

Steve Harrison helped me purchase my first home. He was an outstanding mortgage broker and we closed within one month of working together due to his outstanding customer service and superior knowledge of the real estate market. Highly recommend 🙂read more

Steven Hempell
Steven Hempell
01:26 03 Mar 22

We found Steve when we were shopping for our first mortgage 5 years ago. He not only got us a lower rate than we expected, but it was with a reputable lender. When it was time to renew, we thought we’d give him another try. He didn’t disappoint, and again negotiated a rate that was better than we could find advertised anywhere online. Beyond that, he was always professional and went out of his way to answer our questions. He was able to speak with us at times that were convenient, and we couldn’t have expected better service. See you in another 5 years, Steve!read more

Colin Kelly
Colin Kelly
17:06 02 Mar 22

We have enjoyed working with Steve Harrison at Mortgates.ca on two consecutive mortgages. He has been a great partner to us. He is knowledgeable, responsive, and works hard to get the best results for his clients. Thank you Steve!read more

Basil Hatto
Basil Hatto
13:11 28 Feb 22

James and his team were a pleasure to work with. They were professional, knowledgeable and very efficient.read more

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Ogboh Chijioke

14:29 26 Feb 22

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Gucci BOY
Gucci BOY
23:53 25 Feb 22

I wouldn’t go anywhere else

Mosope Adebowale
Mosope Adebowale
22:50 18 Feb 22

I was very happy with the services provided by Scott. He communicated all through and really explained the details of my mortgage as a first time home buyer. Gladly recommend them.read more

Lindsay Mc
Lindsay Mc
14:07 17 Feb 22

James and Mayra are an amazing team! James is very knowledgeable and takes the time to explain every step of the process in a way anyone could understand. Mayra goes above and beyond, is an absolute gem. Without Mayra we would have been lost. I highly recommend James & Mayra for anyone looking for a new broker!read more

Ross Taylor
Ross Taylor
14:28 05 Feb 22

Matt from Mortgages.ca has deservedly built a reputation as THE industry expert on all things related to mortgage pre-payment penalties. I reached out to him for assistance with one of my clients and he generously gave me all his time and knowledge to help me come up with the best strategy for my client. Thank you Matt!read more

Eva Skura
Eva Skura
01:02 05 Feb 22

James and Mayra were incredibly responsive. They helped us with a refinance on a current property and a mortgage for a new property… back-to-back. Given all the pieces that were in motion we were very happy with the services they provided. Thank you James and Mayra!-Eva and Brianread more

Derek O'Neill
Derek O’Neill
04:30 01 Feb 22

We were very happy with the services and advice we got from James. The process of getting our mortgage for the purchase of our home couldn’t have been any easier! James and his team were always willing to take our calls and answer any of our questions (which is good because we had a lot!)As first time home buyers, we felt very taken care of. Would definitely recommend working with the team for your mortgage needs!read more

Alena Moravcova
Alena Moravcova
12:04 26 Jan 22

Thank you so much James. It was an absolute pleasure working with you for the purchase of my home. 10 stars!read more

Ashish Chaturvedi
Ashish Chaturvedi
20:55 25 Jan 22

Excellent service, quality, and the best rates! I would recommend James and his team over any other any day. Keep it up James!!read more

Aziz Fazal
Aziz Fazal
01:55 25 Jan 22

I am amazed at the speed with which James secured a bridging loan at an unbelievable 2.7% interest rate. James is to the point; extremely knowledgeable about all aspects of financing and readily available to discuss any issues. With Mayra working behind the scenes to ensure that all the details are tended to in a timely fashion. We have particularly appreciated her regular updates on activities. Together an amazing “can do” team who are deserving of their Google description as the best mortgage brokerage in Toronto.read more

Tara Jainudeen
Tara Jainudeen
12:20 21 Jan 22

James was extremely helpful from the very beginning of our home search, his guidance and the final work to obtain a great mortgage made our house hunting experience a breeze in these very unpredictable times.A special mention of Zayna who was very patient and thorough in helping us get all the paper work together!Our family will go them James again any time and highly recommend his and his team to all our friends and family.read more

Andrew Jeffrey
Andrew Jeffrey
03:26 17 Jan 22

We received great advice from Steve and the whole process was very easy.read more

Kate MacLean
Kate MacLean
19:36 10 Jan 22

James and Zayna were fantastic to work with!! They were so helpful in guiding us through our first home purchase and were very patient with all of our questions. I strongly suggest using Mortgages.ca and look forward to working with them through this mortgage and beyond!Kate & Pat.read more

simon mcneil
simon mcneil
16:22 10 Jan 22

I initially got a mortgage broker with my bank who was very complicated to understand and difficult to work with. I randomly and luckily fell on James Harrison at Mortgages.ca, and he was phenomenal. He was extremely easy to work with, provided the info that I needed, and answered all the questions that I had.On top of the mentioned things I said, he was also able to get me a much better mortgage rate and price then what the mortgage advisor at the bank was offering me.When I need another mortgage I’ll for sure be going back to James!read more

Allison Partington
Allison Partington
18:46 07 Jan 22

I can’t say more about James Harrison and the Mortgages.ca team. I’ve been working with James since entering into the housing market in 2009, and just completed our 3 transaction with him. He provides you with all options, offering his opinion and finding one that works for your unique circumstance. He’s very responsive and generally a great person to know.read more

Michael Moore
Michael Moore
17:16 14 Dec 21

James and his team helped us through the process of securing our first mortgage. No issues and he was always happy to answer questions and explain our options. Also sent a very nice housewarming basket!read more

Ikekhuamen Nora
Ikekhuamen Nora

14:13 13 Dec 21

I saw a page review about Mrs Susan Ryan and I must confess that She is a good trader and best in her field as they said, She managed my account after I invested $700 I got $6,200 within few day’s of investment I was so shocked, with Mrs Susan Ryan, your money is 100% secured,. Trust me you have nothing to lose
You can contact her via
Email: susanryan3221@gmail.com
WhatsApp: +13523292265
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Michelle Eisen
Michelle Eisen
14:34 06 Dec 21

James was so helpful and patient. He took time to explain everything I needed to know and provided me with a number of different options. He was quick to respond and worked through each scenario that was brought forward to him logically and skillfully.read more

Mariam Olafuyi
Mariam Olafuyi
16:15 17 Nov 21

Scott was absolutely fantastic in helping us arrange for our mortgage. The processes were clear and well explained and he took his time to understand us and our needs. He walked with us every step of the way and took extra efforts to ensure that all the required documentation were well presented to the bank. This was an entirely stress free process and in the future we will definitely use Scott’s services!read more

Nick Berube
Nick Berube
01:21 05 Nov 21

Steve was incredibly helpful…again! We’ve gone to Steve 3 times in the last 10 years (new and renewal) and he has delivered the best product on the market each and every time. He has a wealth of experience, knows the industry very well, and was always quick to answer my calls or emails. Definitely recommend reaching out to Steve for your next mortgage!read more

Tyler Flockhart
Tyler Flockhart
10:00 03 Nov 21

We have used Steve for 2 mortgages and a re-financing so far and it is always a pleasure working with him. He is easy to get a hold of, super knowledgeable, reassuring and kind. His focus is always to provide the best option for his clients. Highly recommended! Thanks again for all your help Steve!read more

Asad Durrani
Asad Durrani
16:06 02 Nov 21

Incredibly helpful, responsive, an knowledgable for first time homebuyers/mortgage seekers. 10/10 would recommend!read more

Mirela Antonescu
Mirela Antonescu
15:56 26 Oct 21

I worked with James and Mayra for my mortgage re-financing and I was impressed with the attention to details and responsiveness! They are also very nice making you comfortable with the otherwise stressful process. The product I got was better than expected. I highly recommend them!read more

Anjali Chawla
Anjali Chawla
13:26 26 Oct 21

James and his team were incredible to work with. They were extremely professional and knowledgeable, and guided us through all the steps of getting our first mortgage. James is a true expert in his field and I highly recommend him. Be assured that he will go above and beyond for your needs and do so in a professional, timely and calm manner.read more

Konstantin Borschiov
Konstantin Borschiov
22:58 21 Oct 21

Second time getting a mortgage with Steve, worked out great.read more

Ramin Mafi
Ramin Mafi
05:07 21 Oct 21

Few years back, we started looking for a good mortgage rate. Being first time home buyers plus rather short closing date added to our stress, but we were lucky to work with James at Mortgages.ca. James was confident and was able to offer us a good deal in a couple of days. Zayna, who helped us with the application process was super nice and responsive and made this process as smooth as possible. We recently sold that property and purchased a new house. James and Zayna were fantastic as before and we repeated our positive experience again.read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
15:24 12 Oct 21

Update 12-Oct-21: Once again I leveraged the expertise of James Harrison and his team at Mortgage Architects (mortgages.ca) for my latest real estate transaction and everything went super smoothly! They simplify the entire process, which, as we know, can get super complex. I am comforted knowing that I have the best team to support me through the deal. They are superstars in their field and best of all they are very responsive so you are apprised of the status at all times. I have high standards and they always exceed them. Thanks again James, Zayna and mortgages.ca team for another great experience!James Harrison and his team at Mortgage Architects (mortgages.ca) embodies the modern brokerage firm you need to help you with the biggest transaction of your life. Their speed, responsiveness, professionalism, accuracy and customer-centricity strengthen their unique value proposition against other competitors. From my first interaction with James, to the closing process with Zayna, I can confidently say that their team is the very best. Thank you for a great experience, you’ve earned a client for life!read more

William Soraine
William Soraine
20:32 28 Sep 21

James and Zayna were great to work with. Engaged their services twice, within a span of 3 years – which in itself is a testament of their quality of service. Professional, very quick to respond and follow up (if you forget any items that are outstanding on your side). Highly recommended!read more

Danielle Prior
Danielle Prior
13:24 28 Sep 21

I worked with Steve when I got my mortgage a few years ago and then again just recently for a refinance. He is great! He is always quick to respond to any of my emails and he always takes the time to answer all my questions and really explain the process. He definitely goes above and beyond! I highly recommend Steve! 🙂read more

Stephanie Radcliffe
Stephanie Radcliffe
13:21 28 Sep 21

Steve is fantastic. He went above and beyond, answering all of our questions and securing us a great rate. We went with a big bank for our first mortgage but I will always go with a broker from now on.read more

Chaitanya Mukkamala
Chaitanya Mukkamala
14:18 23 Sep 21

As a first time home buyer and a newcomer to Canada, Scott Nazareth was very patient and helpful in explaining the process and hand holding us on every step of the process. He was very quick in responding to our queries and would give us a detailed explanation whenever we needed help. Thanks for making the process easy for us, Scott. We will definitely come back to Mortgages.ca and Scott for any future mortgage needs.read more

Alan B
Alan B
00:41 15 Sep 21

This was my second time working with James. Each time has been fast and seamless. Quick responses to all my questions. Very professional Clear explanations of everything going during the buy / sale. I would recommend James to everyone!read more

Michael Mooney
Michael Mooney
23:46 14 Sep 21

Steve & Zayna were incredibly helpful and supportive through the whole process. Highly recommend!read more

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

We worked with Steve for the mortgage of our dream house. He and his team were so supportive and responsive and patiently addressed any concern that we had. The process was very smooth and he handled everything on time and as promised. I definitely recommend him for anyone looking for a smart, honest, professional and responsible mortgage broker.read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
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Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

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

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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.read more

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