Mortgage broker for Toronto.
Toronto is Canada's deepest and most competitive mortgage market — where bank-branch underwriting fails most often. We work it through our FSRA-licensed Ontario underwriting team.
Toronto is really 30 micro-markets stacked together. Downtown investor condo financing has nothing in common with West End semi-detached, and neither resembles Bridle Path or Forest Hill high-net-worth files. Foreign-income, newcomer, BFS, and stated-income files all need brokers who know which lenders actually fund them.
Files we close in Toronto
- →$2M–$10M Forest Hill, Rosedale, and Bridle Path purchases with non-T4 income
- →Downtown investor condo and rental refinances
- →Foreign-income and newcomer files
- →Self-employed BFS files banks decline on stated income
- →Pre-sale assignments across downtown and North York towers
Toronto mortgage services
We offer the full Mortgage Guru lineup in Toronto — every pillar, every program, every niche lender.
- 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.
Every program we place in Toronto
Neighbourhoods we serve in Toronto
We specialize in the Toronto files banks don't want — high-value, non-standard income, foreign buyers, complex commercial. Ontario-licensed underwriting routes them to the right lender from day one.
Toronto mortgage FAQ
Can you finance Toronto pre-construction condo assignments?+
Yes — assignments are one of the most-declined file types at big banks. We work with the lenders that fund assignments properly, including ones that count the original deposit toward your down payment.
Do you handle Toronto multiplex (duplex/triplex/fourplex) financing post-zoning reform?+
Regularly. The 2023 Toronto zoning reform unlocked as-of-right multiplexes city-wide. We use lenders that count rental income from all units (not just two) and underwrite on DCR.
What about jumbo financing for Toronto detached above $2M?+
Common. Once you cross $1.5M loan size, even A-lenders apply sliding-scale LTV. We have credit-union and private-bank programs that hold LTV at jumbo loan sizes in Toronto.
Do you arrange private and second mortgages in Toronto?+
Yes. When a bank declines — bruised credit, unreported income, a tight ratio, a tax-arrears situation, or a property the A-lenders won't touch — we place private 1st and 2nd mortgages in Toronto through MICs and individual investors we've worked with for years. Typical terms are 6–24 months, interest-only, with a clear exit plan back to an A or B lender. We quote the all-in cost up front (rate + lender fee + broker fee + legal) so there are no surprises, and we don't write a private deal unless the exit is realistic.
Can you set up a reverse mortgage (CHIP / Equitable PATH) in Toronto?+
Yes. Toronto — especially Lawrence Park, Forest Hill, Rosedale, the Bridle Path and the Kingsway — has a strong base of 55+ homeowners sitting on significant equity but qualifying poorly on income alone. We arrange CHIP Reverse Mortgage (HomeEquity Bank) and Equitable Bank's PATH Home Plan to draw tax-free funds with no monthly payments required. We model the long-term equity erosion honestly, compare it side-by-side with a HELOC, a standard refinance, or downsizing, and only recommend a reverse mortgage when it's genuinely the best fit — not the default.
Is Manulife One a good fit for Toronto homeowners?+
Often, yes. Toronto has a high concentration of dual-income professionals, business owners and investors carrying meaningful cash balances alongside the mortgage. Manulife One collapses your chequing, savings, mortgage and HELOC into one account, so every dollar sitting in cash offsets mortgage interest daily — frequently saving 5–7 years of amortization for clients with strong cash flow. The rate premium over a plain mortgage is real, so we model it against your actual deposit patterns before recommending it. If the math doesn't work we'll tell you, and we'll often pair it with a readvanceable structure instead.
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