Looking for a mortgage broker in Toronto?

Book a free call

Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Toronto. We will ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.

We shop 30+ lenders

We compare rates, terms, and qualification criteria across the entire market. We handle all the applications, paperwork, and lender communication. You get a clear recommendation with the numbers behind it.

You close with confidence

We walk you through every document before you sign. No surprises at the lawyer. Jeff and Emily send personalized video walkthroughs for every milestone, and stay available by phone or email throughout the process and beyond.

A mortgage broker in Toronto costs $0. Brokers are paid by the lender at closing, not by the buyer or homeowner. The rate you get through a broker is typically the same or better than going to a bank directly. There is no fee or cost trade-off for using a mortgage broker in Toronto.

The median detached home price in Toronto is approximately $1,300,000 in 2026. Condos average around $650,000. Semi-detached homes and townhomes typically range from $900,000 to $1,100,000. Prices vary significantly by neighbourhood - a detached home in Scarborough costs far less than one in Leaside or High Park.

Yes, in the majority of cases. Banks only offer their own mortgage products. A broker accesses 30+ lenders - banks, credit unions, and monolines - and finds the one that fits your income, property type, and goals. Toronto buyers frequently save $5,000-$15,000 over a 5-year term by working with a broker.

No. You can buy a condo in Toronto with as little as 5% down on the first $500,000 and 10% on the amount above that, up to $1,499,999. On a $650,000 condo, the minimum is $40,000. You will pay CMHC mortgage insurance with less than 20% down, which gets added to the mortgage balance.

Provide a mortgage broker or lender with your income documents, employment letter, government ID, and credit consent. Pre-approval takes one to two business days and locks in a rate for 90-120 days. In Toronto, getting pre-approved before you start looking is essential because offers move quickly.

Yes. Toronto is the only city in Ontario that charges a municipal land transfer tax on top of the provincial one. On a $650,000 condo, the combined tax is approximately $16,475. First-time buyers can claim rebates on both taxes - up to $4,000 provincial and $4,475 municipal - reducing the total significantly.

Toronto buyers pay two land transfer taxes - provincial and municipal. On a $1M home that's roughly $32,950 before rebates. First-time buyers can recover up to $8,475 combined.

Condo financing has lender-specific rules (status certificates, deposit structure, assignment deals). A broker knows which of 30+ lenders is friendliest to your specific building and situation.