Looking for a mortgage broker in Toronto?

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

We shop 50+ lenders

We compare rates, terms, and qualification criteria across the entire Canadian mortgage 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. Craig stays available by phone, email, or podcast question throughout the process and beyond.

A mortgage broker in Toronto costs $0. Brokers are paid by the lender when your mortgage closes, not by you. The rate you get through a broker is the same or better than going directly to that lender. There is no cost trade-off for using a broker in Toronto or anywhere in Ontario.

The median detached home in Toronto is approximately $1.65M in spring 2026. Premium pockets like Rosedale, Forest Hill, and Lawrence Park regularly exceed $2.5M. East-end neighbourhoods like Leslieville and Riverdale run $1.3M-$1.6M for detached. Semis and townhomes sit $1M-$1.4M across most of the 416. Condos start in the high-$400Ks downtown.

Toronto is the only Ontario city with a municipal land transfer tax in addition to the provincial tax, so you pay it twice. On a $1.65M home the combined land transfer tax is roughly $56,000 before first-time buyer rebates. First-time buyers get up to $4,475 off the provincial portion and up to $4,475 off the Toronto portion. Craig walks every Toronto client through the exact closing cost number before they make an offer.

Yes. Physicians, residents, and dentists in Toronto qualify for physician-specific mortgage programs that accept signed contracts and offer letters instead of two years of T4s. These programs often allow higher loan amounts with less down payment and ignore student debt in qualification. Craig specializes in physician financing for doctors at UHN (Toronto General, Toronto Western, Princess Margaret), Sick Kids, Mount Sinai, St. Michael's, and Sunnybrook.

In most cases, yes. A mortgage broker has access to 50+ lenders including every major bank, credit unions, and monolines like MCAP, First National, and Strive. Your bank can only offer its own products. Brokers compare rates and terms across the full market in one application. Many Toronto homeowners save $5,000-$15,000 over a 5-year term by switching lenders at renewal instead of signing the bank letter.

Not always. Homes under $1.5M can be purchased with less than 20% down using CMHC insurance. On a $1.3M Toronto home, the minimum down is $105,000 (5% on the first $500K, 10% on the remaining $800K). Homes priced at $1.5M or higher require 20% down and cannot be CMHC-insured, which rules out most Toronto detached homes from the insured market.

Pre-construction requires careful financial planning. Deposits are typically 20% paid in stages over 12-24 months. Occupancy fees during interim closing can run $2,500-$4,000 per month with no equity building. Final mortgage approval happens at final closing, often years after you signed, so rates and your income situation may have shifted. Craig reviews the deposit structure, occupancy cost, and mortgage qualification timeline before clients commit.

Yes. Craig is based in Burlington but works with Toronto clients every week. The full mortgage process runs remotely: document upload is online, signatures are electronic, lender communication is handled by the broker, and closing happens with your real estate lawyer. There is no reason to visit a branch or office to get a Toronto mortgage.