Mortgage broker for Ontario.
Ontario files are a regular part of our work, from Toronto and the rest of the GTA to Halton, Hamilton, Ottawa, London, Kitchener-Waterloo and Barrie. They are placed through DLC AIMI Collective Mortgage Group, licensed in Ontario, by our in-house underwriter, with Ramin Hallaji structuring the deal and on it from start to finish.
Greater Toronto Area
Toronto · Mississauga · Brampton · Vaughan · Markham
Toronto is thirty micro-markets stacked together, and detached pricing in Vaughan, Markham and Mississauga pushes most files past insurable limits. Newcomer, foreign-income, stated-income and self-employed files are routine, along with pre-construction assignments from Square One to the Vaughan Metropolitan Centre and the Highway 7 corridor, and multi-generational purchases in Brampton that combine gifted down payments, co-signers and business income.
Halton
Oakville · Burlington
Uninsured lakefront and Glen Abbey detached, executive income that blends salary, bonus and RSUs, and move-up files that hinge on selling one home while buying the next, so porting and bridge financing come up often.
Hamilton & Niagara
Hamilton
Multiplex conversions in the lower city, Mountain and Stoney Creek family detached, Ancaster and Dundas higher-end homes, McMaster-area student rentals, and small commercial along the industrial corridor.
Ottawa & Eastern Ontario
Ottawa
Federal employee and contractor income, Kanata tech RSU and bonus income, Glebe and Westboro infill and heritage homes, and suburban detached through Kanata, Barrhaven and Orléans.
Southwestern Ontario
London · Kitchener-Waterloo
Western, Fanshawe, Waterloo and Laurier student-rental investors, tech RSU and bonus income in Kitchener-Waterloo, healthcare and insurance employment in London, Old North and Old South character homes, and GTA equity moving west.
Central Ontario
Barrie
GTA commuters at the top of the Highway 400 corridor, Lake Simcoe waterfront that is often uninsured, new-build detached in the growth areas, and cottage and recreational files across Simcoe County toward Muskoka.
Files we close in Ontario
- →$2M–$10M uninsured detached purchases with non-T4 income
- →Pre-construction condo assignments and completions
- →Newcomer and foreign-income files with limited Canadian credit history
- →Self-employed and small-business-owner files on stated or add-back income
- →Executive bonus and RSU income files
- →Multiplex and student-rental investor purchases underwritten on rental income
- →Federal government and contractor employee files
- →Move-up purchases that depend on selling and buying at once (porting and bridge financing)
- →Lake Simcoe waterfront, cottage and recreational properties
- →Commercial mortgages and small multi-family
Ontario mortgage services
The full Mortgage Guru lineup is available in Ontario, every pillar, every program, every niche lender, structured and managed by Ramin and placed under Ontario licensing through DLC AIMI Collective.
- Commercial mortgage
Multi-family, mixed-use, industrial, owner-occupied & private commercial.
- Residential mortgage
Purchases, refinances, renewals — purchase, port, refi, and rental.
- Private mortgage
Short-term bridge, equity take-out, and credit-rehab capital.
- Construction loan
Draw mortgages for custom builds, infill, and small multi-family.
See the full program list on our Residential, Commercial, and Construction pages.
Cities we serve in Ontario
Ontario pricing pushes most detached files past insurable limits, and the income behind them is exactly what branch underwriting discounts: executive bonus and RSUs, business add-backs, foreign income, a short Canadian credit history. We place those files with lenders that count the income at face value and underwrite rental income properly, and our in-house Ontario-licensed underwriter places them through DLC AIMI Collective.
Ontario mortgage FAQ
Are you licensed in Ontario?+
Ramin Hallaji is licensed in British Columbia (BCFSA) and Alberta (RECA). Ontario files are placed through DLC AIMI Collective Mortgage Group (FSRA #13717), which is licensed in Ontario, by our in-house underwriter, who holds an Ontario licence. Ramin structures the deal and runs it from start to finish, so you deal with one broker throughout.
Can you finance pre-construction condo assignments in Ontario?+
Yes. Assignments are one of the most-declined file types at the big banks. We work with the lenders that fund assignments properly, including ones that count the original deposit toward the down payment, across Toronto, Mississauga, Vaughan and Kitchener-Waterloo.
Do you finance multiplexes and student rentals in Ontario?+
Regularly. Zoning reform in Toronto and Hamilton allows multiplexes city-wide, and London, Kitchener-Waterloo and Hamilton have strong student-rental demand around Western, Fanshawe, Waterloo, Laurier and McMaster. We use lenders that count rental income from every unit and underwrite on debt coverage, which keeps investors on residential rates longer.
What about jumbo financing above $2M in Toronto, Oakville or Vaughan?+
Common. Past a $1.5M loan, even A-lenders apply a sliding-scale loan-to-value. We have credit-union and private-bank programs that hold loan-to-value at jumbo sizes, and lakefront and view properties get local-specialist appraisals rather than the bank's lowest-bid panel.
Can newcomers and buyers with foreign income get a mortgage in Ontario?+
Yes. Mississauga, Markham, Brampton and Oakville have some of the highest newcomer purchase activity in Canada. We use newcomer programs that don't require a full Canadian credit history, and we document foreign income and down-payment sources properly so the file holds up.
Do you count RSU and bonus income?+
Yes. Kanata and Kitchener-Waterloo tech employees and Oakville executives often have income that is half salary and half bonus or vesting stock, and many banks ignore the second half. We use lenders that count RSU vesting and bonus income properly, so the file qualifies on what the client actually earns.