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The Best Mortgage Brokers in Toronto

The Best Mortgage Brokers in Toronto
We extensively test and research all services we review. Here's why you can trust us.

Trying to apply for a mortgage yourself can be a harrowing experience. We understand why you’d want a trained professional to do all the legwork on your behalf because of that.

Lucky for you, the best mortgage brokers in Toronto can find superior rates and match you with your best-suited mortgage. You can find them all on this list.

Are you ready to get the best deals on real estate through them? Let’s get started by discussing how much they cost first.

How Much Do Mortgage Brokers Cost in Toronto?

A mortgage broker’s services should be completely free in most residential real estate transactions. That is if you have good credit and can qualify through an institutional lender.

So how are mortgage brokers compensated? Lenders will pay them a finder’s fee and a one-time commission for the mortgage sold.

Would you ever have to pay broker fees yourself? Yes, in the following cases:

Private Mortgages

When it’s impossible to get a mortgage through an institutional lender, you and your broker will have to resort to private lenders. Private lenders don’t pay finder’s fees.

So, you as the client will have to pay the broker for his or her services. You’ll often have to pay for access to their network of private funds too.

Commercial Mortgages

Commercial lenders also don’t pay broker finder’s fees, so you’ll be charged for your broker’s services. Commercial deals are risky for brokers because they take a long time and they rarely ever close, which results in the broker not getting paid at all.

B Lenders

B Lenders fall under institutional lenders, but they usually advance mortgages at a rate between 1-2% higher than A lenders. B lenders are the option when borrowers have already been turned down.

Of course, B lenders won’t compensate brokers as handsomely as A lenders, so you’ll have to supplement the average difference.

The Best Mortgage Brokers in Toronto

Now that you know how mortgage brokers get paid, check out our top picks for the best mortgage broker companies around.

1. Paul Meredith Team of CityCan Financial

PRODUCTSMortgages For Purchase, Refinance, Renewal (switch), Pre-Approvals, Self-Employed Mortgages, Bad Credit Mortgages (minimum 20% Down Payment/equity), Specializing in Industry Leading Low Mortgage Rates for Qualified Applicants
ADDRESS640-110 Sheppard Ave. E, Toronto, ON M2N 6Y8
CONTACT DETAILSPhone: (647)-368-5009
Email: [email protected]
OPERATING HOURSMonday to Friday: 9:30am – 7:00pm

Paul Meredith is the author of the Amazon #1 best selling book ‘Beat The Bank – How To Win The Mortgage Game in Canada’, and the exclusive mortgage broker on season two and five of the real estate reality TV show Top Million Dollar Agent (Global, Slice TV, Rogers).  He has been ranked as one of the top 75 mortgage brokers in Canada by CMP Magazine in every year since 2015, and was a finalist for Mortgage Broker of the Year from 2018 through 2021 at the Canadian Mortgage Awards.

As soon as you contact The Paul Meredith Team, you’ll quickly notice their high level of professionalism and how much they care about their clients. They’ll aim to treat you like family, and their high level of service, honesty, and strong dedication to their clients explains why they have so many five star reviews on Google. They are also big in giving back to the community, as a portion of all mortgage proceeds are donated to The Canadian Alliance To End Homelessness. 

The Paul Meredith Team specializes in residential mortgages throughout Ontario and pride themselves on providing industry leading low mortgage rates for qualified applicants. They deal with many different mortgage lenders, including some of the big banks, making them a one stop shop for all your mortgage needs. They are also experienced in handling clients who have been previously turned down by lenders and those who are looking for hard-to-place mortgages.

As part of CityCan Financial, one of the oldest brokerages in Canada, they can offer a wide range of mortgage solutions to suit your needs. Whether you want to purchase a new home, refinance an existing mortgage, consider your mortgage renewal options, or anything in between, the Paul Meredith Team has got you covered. 

As leaders in providing an exceptional customer experience, they will present you with personalized mortgage solutions, allowing you to choose the options best suited to your needs. They will guide you to select the right mortgage solution and then personalize your options to ensure you’re getting the mortgage that best suits your needs. They stay current with the housing market and are quick to adapt and inform you of any changes to ensure you’re always well-informed. 

We also like that they offer a suite of online resources and cost calculators to assist you in crunching the numbers quickly and accurately. Whether you need help with your land transfer tax or need to double check what mortgage you can afford, their online tools can guide you to the right decision. The library of Paul’s blogs are invaluable resources for mortgage information, and can answer just about any question you could imagine. 

If you’re looking for a true mortgage professional that will bend over backwards for you, then the Paul Meredith Team will not disappoint. You will never have to sacrifice professional service to get the lowest mortgage rates, as their reviews speak for themselves. They have definitely earned their spot as one of our top mortgage brokers in Toronto. 


  • Specializes in residential mortgages
  • Can assist clients who have been turned down by lenders
  • Can provide below market mortgage rates
  • Offers mortgages for self-employed and new to Canada applicants


  • Limited commercial options
  • Limited availability for in-person meetings

Customer Reviews

Let’s take a look at what their clients have to say:

“5 Stars! We purchased our first home in October 2020 and this would not of been possible without Paul and Luisa! They were extremely professional and helped us “beat the bank”! We were so pleased with the experience and look forward to working with the Paul Meredith Team in the future!” – John David

“Paul is a first-class mortgage broker and professional. He spent several weeks emailing and calling back and forth with me to find me the best deal, answering my many many questions promptly with patience and detail. When it ended up that my current lender was offering me the best rate as well, he honestly recommended I take the rate, and also told me how he could match it if I still wanted to switch. He is so honest and generous with his time that it really blew me away. I’ve since mentioned him to anyone around me who has been looking for a mortgage broker, and I absolutely would not hesitate to contact him again if I was looking for a mortgage. Go with him – you won’t regret it.” – Noreen Kh

2. Ross Taylor Mortgages

PRODUCTSFirst-Time Homebuyers, Investment Property Mortgages, Mortgage Refinancing, Private Mortgages, Bad Credit Mortgages, CRA Debt, Debt Consolidation, Reverse Mortgages, Difficult Mortgages
ADDRESS567 Roehampton Avenue, Unit 28, Toronto, ON M4P 1S5
CONTACT DETAILS(416) 800-3157
[email protected]
OPERATING HOURSMonday to Friday: 8:30am – 6:00pm
Saturday 8:30am – 2:00pm

Ross Taylor is a veteran mortgage broker with more than 20 years of experience. Recognized by his peers and clients as a leading expert in the Canadian mortgage industry, Ross is a two time national award-winning mortgage broker.

We find Ross Taylor Mortgages’ services to be particularly ideal for first-time homebuyers, investors and anyone facing challenging circumstances such as credit blemishes or overwhelming debt. The company offers low interest rates, customized solutions and dependable guidance throughout the entire mortgage financing process.

The company provides clients with a knowledgeable support team to walk them through every step, delivering clear strategies and solutions regardless of whether they require a new mortgage or are renewing/refinancing an existing loan. The team has a knack for helping match clients with the very best mortgage products and rates catered to their unique financial situations.

Another thing we find commendable is their easy-to-navigate, highly informative website, which is jam-packed with useful information that both new homebuyers and existing homeowners can use as reference when they are in the market for a new mortgage or refinance.

Ross is a renowned speaker and published author of more than 700 original articles, and is often quoted by popular media outlets such as The Globe and Mail and The Toronto Star. Additionally, he wrote three chapters for Ellen Roseman’s most recent book entitled “Fight Back”.

Today, the Ask Ross blog and monthly newsletter are read by thousands, offering a reliable and authoritative source for information about mortgages, particularly the issues faced by those whose credit has been damaged. Ross is also a regular columnist for Canadian Mortgage Trends – Canada’s premiere mortgage news site.

Ross Taylor Mortgages’ recently opened two new locations in Toronto and Mississauga to help better serve clients across the GTA and beyond.

Overall, past clients have posted rave reviews based on their positive experiences with Ross Taylor Mortgages. In particular, they have found the team to be extremely pleasant, and felt thoroughly guided and updated on all important issues pertaining to their mortgage in a timely and professional manner.


  • Applications can take less than 5 minutes
  • Highly responsive and client-centric
  • National award-winning brokers
  • Good selection of mortgage programs


  • Limited availability for in-person meetings

Customer Reviews

Here are some reviews from their clients:

“Ross was extremely pleasant to work with and took the time to learn about our situation when purchasing our first home. He is very knowledgeable in the industry and clearly loves what he does. He gave me and my partner valuable advice and we felt supported throughout the entire process of being his clients. He was available outside of regular hours as well, which was a relief for our busy schedules. In the end, we got a great rate. We would recommend Ross in a heartbeat to anyone.” – Sasha B.

“Ross is incredibly helpful with his advice on credit scores, mortgage approvals, etc. He’s given me better information than any other advisor I’ve been in touch with. I scheduled a call and instead of selling me on services he was honest, helpful and willing to answer any questions. Thank you Ross for all your help! Looking forward to working with you again in the future! Highly Recommended!”
– Nicole Rodriguez

“We have twice asked Ross and his team to arrange a mortgage for us and both times their service has been superb. They make us feel so important and our questions are always answered quickly and accurately. We feel really special with Ross and will be happy to recommend his services to our family and friends.” – Atilla M.

3. Outline Financial

ADDRESSHead Office
465 King Street East, Unit 15
Toronto, ON, M5A 1L6
(King & Parliament)

Carlaw Avenue
326 Carlaw Ave – Suite 103
Toronto, ON M4M 2R6
(Carlaw & Eastern)

First Canadian Place
100 King Street West, Suite 5700
Toronto, ON, M5X 1C7
(King & Bay)

90 Richmond Rd, Suite H
Ottawa, ON, K1Z 6V9
(Richmond Rd. & Island Park Dr.)
CONTACT DETAILS(416) 536-9559 | [email protected]

Outline Financial is among Canada’s leading mortgage and insurance providers, granting clients direct access to diverse rate and product options from over 30 banks, credit unions, mono-line lenders, and insurers.

By facilitating direct access to a wide spectrum of rate and product choices from over 30 financial institutions, Outline Financial empowers clients to discover tailored mortgage and insurance solutions aligned with their specific requirements.

The company’s commitment to accessibility and clear-cut advice ensures clients receive personalized and approachable service experiences founded on trust and professionalism.

Outline Financial’s emphasis on efficiency and delivering tangible outcomes underscores their dedication to guiding clients through the intricacies of mortgage and insurance planning, facilitating the realization of their financial objectives.

While the extensive array of options from over 30 lenders may present a challenge for clients unfamiliar with the mortgage and insurance landscape, it necessitates investing time to comprehend the available selections and make informed decisions.


  • Access to Diverse Lenders
  • Exceptional Service Experience
  • Results-Driven Approach


  • No Promos At The Present

Customer Reviews

“After having reached out to numerous other brokers and lenders who couldn’t or weren’t helpful, I was referred to Samantha by my real estate broker, Jordan Epstein (who is amazing, but this review is not about him). Samantha and her underwriter, Sandra, helped me to secure an atypical mortgage. They were awesome to work with—very knowledgeable, punctual, and always professional, above and beyond my expectations. Samantha provided guidance and suggestions to address my specific needs and situation and was very attentive to timelines. Sandra was equally great to work with, always very diligent with documents that needed to be completed and helping to coordinate between myself and the lender. The both together are a perfect duo and I have no reservations recommending to anyone looking for a mortgage – I would rate them 6 out of 5 stars if I could (especially when it is very hard to find competent service, let a lone outstanding service like Samantha and Sandra offer).” — Dat Nguyen

“My wife and I were blown away by the quality of service we received from Outline – and specifically from our broker Shannon and underwriter Brett – securing a mortgage during the purchase of our first home. They were so responsive, clear, helpful and went above and beyond to negotiate us a really great rate. They made the whole process feel far less stressful than it could have been. We wouldn’t hesitate to recommend them.” — Christopher Gairdner


ADDRESS179 King St E, Unit 1, Oshawa, Ontario L1H 1C2
CONTACT DETAILStel:+1-855-668-3074 | [email protected]
OPERATING HOURSMonday to Friday: 9:00am-5:00pm
Saturday: 9:00am-1:00pm specializes in assisting homeowners who have been turned down by traditional banks or mortgage professionals.

With a team of experts boasting over 30 years of combined industry experience, we find that the brokerage has the knowledge and resources to navigate complex financial situations and find suitable mortgage solutions for clients with diverse needs.

Unlike traditional lenders, offers a variety of unique financing solutions tailored to each client’s specific circumstances.

Whether clients seeking for debt consolidation, foreclosure prevention, resolution of property tax arrears, or investment in commercial properties, aids in securing Home Equity Loans even for individuals with bad credit.

Leveraging its extensive network of institutional and private lenders, the brokerage delivers personalized mortgage options that address the distinct requirements of each client and secures the most flexible terms available in Canada.

By focusing on common-sense lending criteria rather than rigid credit or income requirements, the brokerage ensures that clients have access to mortgage financing that aligns with their long-term financial goals.

We highly recommend!


  • Specialized Expertise
  • Unique Financing Solutions
  • Flexible Terms and Competitive Rates


Customer Reviews

“The team at are absolutely amazing to deal with. They made the process very painless and were exceptional at answering all questions I had during the whole process. They show kindness and compassion. They truly care about their clients with no judgement. I would 100% recommend them to anyone I know. Thank you for making what would normally be a stressful experience to go through, a much more enjoyable experience.”– Nicole T

“We couldn’t have asked for a better experience, the staff was incredibly kind and easy to work with. They made shopping for a mortgage while navigating a newborn baby an extremely painless process for us. We would definitely entrust them with all of our future real estate investments.”– Lindsay Jaroslawski

“This is the second time they have helped us out every one there was so helpful and friendly and they get the job done in a timely manner Thanks to everyone !!”– Steve Shafto

5.'s Homepage
PRODUCTSRenewal and switch, H.E.L.O.C. mortgages, pre-approvals, cashback mortgage, investment properties, new to Canada financing, purchase plus improvements, vacation homes
ADDRESS145 Front Street East, Suite 205, Toronto, ON M5A 1E3
CONTACT DETAILS(647) 795-8700
[email protected]
OPERATING HOURSMonday to Friday: 9:00am – 6:00pm is a team of top-performing mortgage brokers based in Toronto. We recommend this company to first-time homebuyers who have no idea how to navigate Toronto’s crazy real estate market.

Why? is known to give its clients the best rates and terms for mortgages. Theirs is a clean and honest operation, and they even support well-known charities like Red Door and Daily Bread.

So has a solid reputation, and they have the awards to back it up. But how distinct are their product offerings?

Their services are fairly standard and can accommodate complex mortgage setups for every financial situation. We specifically like their cashback mortgage option, where clients can receive up to 5% cashback towards their down payment and closing costs.

Overall, there’s almost nothing negative to be said about, with their shining 5-star rating on Google Reviews and regular features on prominent Canadian media outlets.


  • Applications can take less than 5 minutes
  • Award-winning brokers
  • Good selection of mortgage programs


  • It can take a while to book your first appointment

Customer Reviews

Check out what these clients had to say about their services:

“James and his assistant Mayra did a great job on our mortgage! They were very honest about what I could afford and responded at all times of the day and night to questions I had. To top it all off, he got me a great rate and even sent a gift basket to congratulate me on my new home.”

– Daniel Ling

“Scott Nazareth was awesome from the start to my wife and I when we were looking to buy our first house. He was always super responsive to our questions, whether a call or email, and made the whole process a complete breeze. We also secured an unreal rate! Highly recommended.”

– Rahman Atta

6. True North Mortgage

True North Mortgage's Homepage
PRODUCTSPurchase plus improvements, investment properties, renewals and transfers, second homes, refinancing options, newcomers to Canada, bad credit mortgage, equity-based mortgages, home equity line of credit, international home purchase, prepayment penalties and privileges, mortgages for the self-employed, reverse mortgage, non-residence lending
ADDRESSPathway Level, 145 King St W #21, Toronto, ON M5H 1J8
CONTACT DETAILS(416) 640-5675
Toll free: 1-877-977-7995
OPERATING HOURSMonday to Friday: 8:30am-6:00pm

Do you have bad credit and still want to get a mortgage? True North can help you out even though it’s generally believed that mortgage brokers are only for good credit individuals.

Of course, you have to manage your expectations because their ultra-low rates only apply to those who qualify for institutional lending. However, you can still get approved for a mortgage and save thousands of dollars as the team helps you rebuild your credit.

We like that True North is inclusive of all types of financial situations. Another example is their mortgage program for the self-employed.

If you’re a freelancer or business owner, you must know that it’s harder to get approved for loans since you’re not traditionally employed. But True North can get you a mortgage with as little as a 10% down payment through Sagen’s Business for Self program.

So you might be more financially capable than you think. True North truly makes it possible for almost everyone to get a mortgage, with rates that are 0.15% below their competition!


  • Inclusive and varied mortgage programs
  • Proven lower rates
  • Pre-qualify in minutes


  • Extensive credit check and financial history is required

Customer Reviews

Here are two Google reviews for True North Mortgage:

“We had the pleasure of dealing with Cezary L. in order to facilitate a mortgage refinancing. He was polite, professional, and very responsive. True North provides a good rate, and Cezary shepherded the whole process efficiently without requiring any heavy-lifting from my partner and I. I definitely recommend tn and Cezary for a good mortgage experience.”

– Mark Rawlinson

“I recently completed my third mortgage. The first two did not require as many steps as this one. However, Chris Eigbe made all the steps straightforward. I have a very busy life and career. Chris Eigbe took care of every arrangement within his means, even providing the lawyer. However, I was always free to make my own choices and nothing was pushed upon me. I would highly recommend Chris Eigbe/True North and any affiliates he recommends.”

– Marshall E.S.M.

7. Mortgage For Less

Mortgage For Less' Homepage
PRODUCTSPurchase mortgage, bridge loan, refinancing & switch, renewal, home renovation loan, equity take-out, H.E.L.O.C., second mortgage, debt consolidation, reverse mortgage, self-employed mortgage, new Canadian mortgage, future financial planning, property assessment
ADDRESS500 – 120 Eglinton Avenue East, Toronto, ON M4P 1E2
CONTACT DETAILS(416) 699-1010
Toll free: 1-888-448-2222
OPERATING HOURSMonday to Friday: 9:00am-9:00pm
Saturday: 12:00am-6:00pm

At the forefront of Mortgages For Less is Nick Mitskopoulos, an expert broker who has been in business since 1989.

He can handle a vast array of mortgage situations, from bridge loans to debt management strategies. We particularly like that he has seamlessly extended his services online, and you get personalized mortgage consultations without leaving your home.

One of the team’s unique offerings is the bridge loan option. If you’re buying and selling real estate at the same time and the closing dates aren’t lining up, Nick can handle this mess for you.

If a mortgage is a little out of your reach at this time, Nick can even help you plan your financial future and improve your credit. We’d say that’s going beyond your standard mortgage services.

Overall, we recommend Mortgages For Less if you feel out of your depth. You might as well let experts determine what your options are and what you can afford.


  • Flexible work hours
  • Has the most choices for mortgage programs
  • No hidden fees
  • Has many online services


  • Only a few brokers on the team

Customer Reviews

Curious about what Mortgage For Less clients had to say about their services? Here are two reviews:

“I have had two dealings with Nick Mitskopoulos over the past two years. Nick has helped my son and daughter both get mortgages to buy condos. Nick is extremely knowledgeable about the local market and provided sound advice and worked hard to find the best deals to meet our needs. He was very responsive to all questions and kept everyone up to date on the progress. Nick set proper expectations on what would be required. For new home buyers, this was very comforting. If you are looking for a mortgage, Nick is the right guy to contact.”

– Ed Shepherdson

“Nick has helped my wife and I navigate a financially intimidating purchase 10 years ago and has helped us with mortgage advice on numerous occasions since then. I have also recommended his services to friends who were equally impressed with his professionalism and personable work.”

– Mike Murley

8. Tridac Mortgage 

Tridac Mortgage's Homepage
PRODUCTSPrivate mortgages, refinance, first-time homebuyers, renewal, self-employed mortgages, reverse mortgages, debt consolidation, moving to Canada, construction mortgage
ADDRESS276 Danforth Ave. Toronto, ON M4K 1N6
Toll free: 1-855-502-9377
[email protected]
OPERATING HOURSMonday to Friday: 9:00am-6:00pm
Saturday to Sunday: by appointment

Tridac Mortgage is an institution, having been around for four decades and having funded well over 5,000 mortgages so far. It’s undeniable that the team has tremendous insight into real estate with over 80 years of combined mortgage industry experience.

Sure, that seems impressive, but how do they measure up against all other companies on this list? Extremely well!

Aside from the usual mortgage program offerings, Tridac has a Construction Mortgage plan. This plan is perfect for those who are having trouble finding the right property to buy.

Maybe you’re one of the lucky ones who get to build their dream home. Tridac can finance everything from permits to architectural designs.

Of course, their mortgage financing solutions will depend on the scale of your project. It could involve something as simple as a home equity line of credit to something as complex as setting up a second mortgage.

Construction mortgages fall under a specialized niche that most lenders don’t accommodate, which is why you might want Tridac on your side if you go this route.


  • Two generations of broker experience
  • Can arrange niche mortgages
  • Can arack private mortgages for denied applications


  • Team is deceptively small with only four people

Customer Reviews

Check out these recent reviews for Tridac Mortgage:

“Chris and his team are rock stars. He’s proactive and explained the entire refinance process to my wife and me. We were refinancing our home after being halfway through a major renovation. While it was a complicated situation, Chris got us a super low rate on very flexible terms.”

– Brent Diefenbacher

“Christopher at Tridac Mortgage truly cares about me and my family. With his guidance, we were able to enter the market and purchase our first home, our second home, and more recently he navigated through a refinancing of our mortgage. Honestly, there is no one better out there! He is a kind genius who makes complicated situations seem easy to understand. I look forward to working with him for all our years to come!”

– Lauren Benini

9. Mortgage Delivery Guy 

Mortgage Delivery Guy Homepage
PRODUCTSMortgage Planning, Investment Property Mortgages, Credit Repair Services, Non Mortgage Solutions
ADDRESS208 – 52 Village Centre Place, Mississauga, ON L4Z 1V9
CONTACT DETAILST: 1-800.808.1613 | 416.848.0469
OPERATING HOURSMonday to Friday: 9:00am-6:00pm
Saturday to Sunday: by appointment

Mortgage Delivery Guy offers a personalised, boutique-style approach when it comes to finding a mortgage lender for its clients. This ensures that each and every one of his clients will end off with a mortgage that is suited to their needs and budget.

They offer a wide range of services, such as Mortgage Planning, Investment Property Mortgages, Credit Repair Services, and more.

One of their brokers is Paramjit Singh, a professional praised by many for being intelligent and hardworking. He makes sure to understand his client’s situation in order to provide a workable as soon as possible.

If you decide to employ Mortgage Delivery Guy’s services, you can expect transparent communication at regular times. Status updates every 48 hrs are guaranteed.

Mortgage Delivery Guy’s attentive services extend beyond mortgaging as well. On the off change that they are unable to provide the best option for you, they will connect you to someone who can.


  • Call back time is almost instantaneous
  • Application status update within 48 hrs
  • Quick, workable private mortgages
  • Reasonable alternative mortgage solutions
  • Free mortgage payment calculator app


  • Small team of brokers

Customer Reviews

Check out these recent reviews for Mortgage Delivery Guy:

“I would like thank Paramjit Singh for his help and terrific service. He was so kind and helpful at a time when I needed it. I would recommend him and will certainly use his services in the future. Very professional, very quick and a pleasure to work with. Thank you Mr. Singh.

“A special shout-out to Paramjit Singh of MDG. He’s our go-to person especially in a crucial situation. Words cannot express how grateful we are for all your help with our mortgage application. Thank you for everything you’ve done for us. I highly recommend MDG, a good choice to get the high-quality service.”

10. Sheldon Brown – Mortgage Architects 

Mortgage Architects Homepage
ADDRESS5675 Whittle Road
Mississauga, Ontario
L4Z 3P8
[email protected]
OPERATING HOURSContact company for more information

Mortgage Architects is a company that strives to meet their customer’s mortgage expectations each and every time. Sheldon Brown is one of the expert mortgage brokers under their wing.

Sheldon Brown specialises in 1st, 2nd, and SME commercial mortgages. Being in the mortgage industry for more than 17 years has given him a wealth of experience handling residential and commercial mortgaging.

He has numerous established relationships with banks and mortgage lenders nationwide, which allows him to find the lowest possible mortgage rates for his clients. Moreover, these lenders have a good reputation, so you won’t need to worry about being taken advantage of by a suspicious bank.

More importantly, he takes the time to walk you through the entire process, so you never feel lost regarding the mortgage. No matter your mortgage, Sheldon Brown a financial companion you would benefit greatly from.


  • Many years of experience
  • Strives to find low mortgage rates
  • Exceptional customer service
  • Welcomes all credit circumstances


  • Rates subject to change without notice

11. Ross Taylor Mortgages

PRODUCTSFirst Time Home Buyers
Bad Credit Mortgages
Private Mortgages
Second Mortgages
Mortgage Renewal
Mortgage Refinancing
Reverse Mortgages
CRA Debt Mortgages
Self Employed Mortgages
Credit Repair
ADDRESS70 East Beaver Creek Rd #30, South Building, Richmond Hill, ON L4B 3B2
CONTACT DETAILS1 905-971-0495
[email protected]
OPERATING HOURSMonday – Saturday: 8:30 AM – 9 PM

Ross Taylor Mortgages is a company that’s dedicated to providing their clients with the most suitable mortgage or credit solutions they may need. Alongside their quality services is their top-notch customer service, which ensures a pleasant experience when working with their agents.

They have been in the mortgage industry for more than 30 years, which has led to them being recognized as one of the leading experts for mortgaging in Canada. They have experience working with various kinds of cases, from financial planning to consumer proposals and everything in between.

Their team may be small, but it’s composed of individuals skilled in the various areas of mortgaging. You can count on them to assist you to the fullest and guide you towards your ideal outcome.

To further help their clients, Ross Taylor Mortgages has various articles on his website regarding mortgaging and other financial matters. This client-focused approach is one of the main reasons why they continue serving clients excellent results until now.


  • More than 30 years of experience
  • Award-winning mortgage services
  • Offers services Canada-wide
  • Dedicated agents


  • Small team of mortgage agents

12. Crosstown Mortgage

PRODUCTSPrivate Mortgage Funding
Mortgage Pre-Approval
Mortgage Refinancing
Mortgage Renewals
First Time Buyers
Bad or Bruised Credit Mortgages
CHIP Reverse Mortgages
New To Canada
Investment Properties
Debt Consolidation
Credit Improvement
Vacation Homes
ADDRESS1877 Eglinton Ave West 2nd floor
Toronto, ON
M6E 2J5
CONTACT DETAILSTel: 416-701-0085
Cell: 416-278-6280
Email: [email protected]
OPERATING HOURSContact company for more information

Crosstown Mortgage strives to offer the best and lowest possible mortgage rates to their clients, which they’re able to provide thanks to their numerous connections around Canada. Moreover, they offer these mortgage rates at wholesale, at the best rate you can get it.

Their team comprises of professionals well-versed in mortgaging, all of which have many years of experience in the industry. With their expertise, they can handle cases both simple and complex from their clients.

Unlike banks that offer mortgaging, Crosstown Mortgage places the customer above all. That means you won’t need to worry about getting a mortgage that was offered with ulterior motives– instead you’ll get the loan most suited to your needs.

Most importantly, you get total transparency when working with Crosstown Mortgage. Given their reliable services and swift delivery, they’re a mortgaging company that you should consider no matter the mortgage you may need.


  • Best and lowest mortgage rates available
  • Experienced team of professionals
  • Connected to over 50 lenders across Canada
  • Mortgage rates at wholesale


  • No operating hours listed on site

13. Kim Gibbons – Mortgage Superhero®

Kim Gibbons - Mortgage Superhero®'s Homepage
PRODUCTSPurchasing super plan, Self-employed solution, debt consolidation relief strategy, first-time homebuyer gameplan, investment property super strategy, home reno solution, new chapter solution, second home dream plan, welcome to Canada strategy
ADDRESS210 Victoria Street, Toronto, ON M5B 2R3
CONTACT DETAILS(416) 400-8107
OPERATING HOURSMonday to Friday: 9:00am-6:00pm

It looks like Kim Gibbons is trying to make the process of getting a mortgage a little less intimidating. However, we’re pleased to say that her fun tagline isn’t facetious.

Gibbons is a member of Mortgage Intelligence, a team of respected mortgage professionals based in Toronto. She opened her own “practice” because she’s an absolute mortgage whiz.

She offers standard mortgage programs, but one that is distinctively hers is The New Chapter Solution. It’s a customized mortgage plan for couples going through a legal separation or divorce.

She provides personalized mortgage financing advice to ease and set up a successful separation. Trying to accommodate terms between you and your partner can be tricky, but she can set you on the best possible start on a new financial path.

Many divorcing couples assume that their house has to be sold, but that’s not always the smartest decision. One partner may opt to stay in the home for the sake of the kids.

Kim can arrange a refinance of up to 80% of the value of the home and come up with the funds needed to pay off the couple’s joint debt. Another route would be to purchase the home outright from the other spouse.

Whatever the case may be, her expertise is to create mortgage plans based on people’s unique financial situations. She might be your best bet if you have a complicated one.


  • Customized mortgage plans
  • Responsive around the clock
  • Backed by efficient staff


  • Often manages multiple clients at once

Customer Reviews

Take a look at these reviews for Kim Gibbons and her team:

“I am deeply thankful for all your help, Kim. Thank you for sharing all the information and being available to answer all my queries even in the middle of the night of your meetings. I admire your professionalism and enthusiasm to help everyone with the best possible suggestions and best rate. I am amazed by your quick response and regular updates even when your dad was hospitalized and you were going through so much in your life.

My experience was so seamless while working with you and your team. My first home was possible only because of your efforts and dedication as I lost hope after getting a few disapprovals from other consultants. It has been a true pleasure working with you.”

– Alisha Rani

“I have now worked with Kim on two mortgage transactions over the past few years and can wholeheartedly and genuinely say she is simply the best. Her responsiveness, attention to detail, and working with me to find the most appropriate deal is first class. She is very patient and understanding, which in my case really helped a lot. She was with me every step of the way and made sure once things were complete that I was happy and satisfied. There’s nobody better out there who knows the business like Kim does. Thank you, Kim.”

– Jason Watson

Tips for Your First Mortgage

Now that you know who to approach for your mortgage concerns let’s get you ready if you’re planning to submit a mortgage application.

1. Hang on to your current job.

One of the things that lenders check when you apply for a mortgage is how long you’ve stayed with your current employer. Ideally, you want this to be a decent length of time.

So if you’re planning to switch jobs, it’s best to hold off until your mortgage is in place. For the best chances, you want to be in your existing position for at least three to six months.

2. Reduce or eliminate all debts.

Having a massive amount of debt is a red flag to lenders. You don’t want to have outstanding loans before you apply for a mortgage.

Some of the companies above have debt management services to help you increase your chances of getting approved. We suggest you sort all this out before your first attempt.

3. Get your documents in order.

A mortgage broker can only do so much in terms of arranging mortgage terms for you. It’s your responsibility to provide the necessary proof of income and financial history documents to make their job as seamless as possible.

The same goes if you’re self-employed. Lenders will want to see an SA302 and your full accounts for the last three years. Without these documents, you’re unlikely to get approved.

4. Save for a bigger deposit.

You dramatically increase your options for mortgages if you’re able to put down a larger deposit. Lenders usually reserve their lowest rates to those who can afford hefty initial deposits.

Some of the companies above can help you plan out your financial future and see the best way to maximize your mortgage payments.

FAQs about Mortgage Brokers 

The best mortgage brokers in Toronto have stellar performances across the board. It’s just a matter of choosing the one that can accommodate your unique financial situation and mortgage requirements.

Once you settle on a deal on your dream home, you may want to check out these best movers in Toronto too for when you move in!