Fixed vs. variable rate - which is better?

It depends on your risk tolerance and financial goals. Fixed rates offer payment stability, while variable rates historically save money over time but can fluctuate. We'll analyze both options for your specific situation.

Do I pay for your services?

In most cases, no. The lender compensates us directly. For certain private or alternative lending scenarios, a broker fee may apply, which we always disclose upfront.

What documents do I need?

Typically you'll need: government ID, recent pay stubs, T4s/NOAs for the last 2 years, bank statements, and a signed purchase agreement. Self-employed borrowers may need additional documentation.

How much are closing costs in Ontario?

Closing costs typically range from 1.5% to 4% of the purchase price. They include land transfer tax, legal fees ($1,500-$2,500), title insurance ($300-$500), home inspection ($400-$600), and property tax/utility adjustments. We help you budget for all costs upfront.

Can I buy a home if I have existing debt?

Yes, having existing debt does not automatically disqualify you. Lenders look at your total debt service ratio (TDS), which should generally be below 44% of your gross income. We assess your full picture and advise on the best approach.

Mortgage Service

Purchase Mortgage

Competitive rates for your next home purchase

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Overview

Home Purchase Mortgage Options in Ontario

Whether you're upsizing, downsizing, or relocating within the GTA, getting the right mortgage is critical. I shop your mortgage across 40+ lenders to ensure you get the most competitive rate and terms. From fixed to variable, open to closed, I help you choose the product that fits your financial goals.

Have questions? Call us directly647-222-7071

Benefits

Advantages of Using a Mortgage Agent to Buy a Home

Access to 40+ lenders including major banks and credit unions
Fixed, variable, and hybrid rate options
Flexible amortization periods up to 30 years
Pre-approval within 24-48 hours
Tailored advice based on your unique financial profile
No cost to you - the lender pays our fee

Whether you are purchasing your first condo in downtown Toronto, a family home in Brampton, or an investment property in Mississauga, securing the right mortgage is critical. As your dedicated mortgage agent in Ontario, we shop across 40+ lenders to find you the most competitive purchase mortgage rate and terms available.

The Ontario real estate market moves fast, and having a properly structured mortgage pre-approval gives you a significant edge. We help you understand your total purchasing power, calculate closing costs including Ontario land transfer tax, legal fees, and home inspection costs, and structure your financing to align with your long-term financial goals.

From conventional purchases to high-ratio insured mortgages, we handle all property types including condos, townhomes, detached homes, and multi-unit properties. Our process is designed to get you from application to approval as quickly as possible, with most pre-approvals completed within 24 hours.

How It Works

How to Get a Purchase Mortgage in 4 Simple Steps

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Rate Shopping

We compare rates and terms across 40+ lenders to find the best option for you.

Application

We prepare and submit your application with all required documentation.

Approval

Once approved, we review the terms and ensure everything meets your needs.

Closing

We coordinate with your realtor and lawyer for a seamless closing experience.

Areas We Serve

Home Purchase Financing Across the GTA & Ontario

We provide purchase mortgage services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby