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.
Request a complimentary strategy call.
Tell us a bit about your file — Ramin or a senior broker will reach out within one business day. No obligation.