Toronto mortgage guides, written in plain language.
The questions we answer on the phone every day - down payments, penalties, renewals, self-employed income, and commercial underwriting - written out so you can read them before you call.
First-time home buyer guide for Toronto
Down payment minimums, the stress test, land transfer tax rebates, FHSA and RRSP programs, and the full path from pre-approval to keys.
Refinancing your Toronto mortgage
How much equity you can access, penalties, refinance vs HELOC vs second mortgage, and when a mid-term refinance actually pays for itself.
Mortgage renewal in Toronto
Why the renewal letter is rarely the best offer, how a switch works, the cost of transferring, and the timeline to start.
Self-employed mortgages in Toronto
How lenders read T1s, notices of assessment, and business bank statements - plus the alternative programs built for business-for-self income.
Commercial mortgages in Toronto
Debt service coverage, loan-to-value by asset class, CMHC MLI Select for multi-residential, and what lenders want in a submission package.
Related services in our network
- Toronto home valuation serviceFree property valuations for Toronto and GTA homeowners - useful before a refinance, equity take-out, or renewal so you know the value your lender will be working from.
- Toronto commercial real estate insightsMarket coverage on GTA multi-residential, retail, office, and industrial properties - a good starting point before arranging commercial mortgage financing.
- Toronto moversResidential and commercial movers across Toronto and the GTA for the closing-day side of a purchase once your mortgage funds.
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