Mortgage Broker Toronto — your best rate, guaranteed.
Or we pay you $500.
Canada’s AI-powered mortgage brokerage. Maya answers your questions instantly in 50+ languages, and real licensed humans close the deal across 100+ lenders. How the guarantee works — keep the $500, or we’ll donate it to your favourite charity.
What brings you here today?
Pick one — Maya pulls the right products, math, and rate in seconds.
I'm buying
Pre-approved in 24 hrs. Maya pre-vets your offer in seconds.
I'm renewing
Beat your bank's first offer — typically $300+/mo back in pocket.
I want to refinance
Consolidate debt, unlock equity, drop your rate.
Self-employed
Bank said no? Stated-income, alt, and private programs.
New to Canada
We speak 50+ languages. Newcomer programs from $25K minimum.
Commercial
Multifamily, mixed-use, gas stations, hotels — we structure it.
Three steps to a better mortgage.
AI does the busywork. Licensed humans make every call.
Maya answers instantly, 24/7 in 50+ languages — or start your pre-approval in about a minute. No credit pull to begin.
Your licensed advisor finds your best fit while Harvey pre-checks your file — so issues get caught early, not on closing day.
Fund at a sharper rate than the bank offered. Best rate guaranteed, or we pay you $500 — keep it, or send it to your favourite charity.
Why work with a mortgage broker instead of a big bank?
A mortgage broker works for you — not for one financial institution.
Access to 100+ lenders — not one bank’s rate sheet
The big banks can only sell you their own products. As an independent mortgage brokerage we compare rates across banks, credit unions, monoline, and alternative lenders — including ones you can’t walk into — so you see the whole market, not a single financial institution’s answer.
We negotiate to save you money
A sharper rate can save you thousands over your term. Your licensed mortgage broker shops competing offers and negotiates so more of your mortgage payment pays down principal instead of interest.
Independent advice for your situation
First-time buyer, renewal, self-employed, or bruised credit — a mortgage specialist gives you unbiased mortgage advice tailored to your financial situation, and explains fixed vs variable rate in plain language.
Licensed, regulated, and on your side
We’re a licensed mortgage brokerage (FSRA #13737). On most residential deals the lender pays the broker — so working with a mortgage broker usually costs you nothing.
See your real numbers instantly.
Every slider recalculates your payment the Canadian way. See the payment, the lifetime interest, the prepayment win — before you talk to anyone.
- Numbers update as you type.
- The same numbers your advisor will use.
- Ask Maya "what would 2% more down do?" while you slide
The mortgage advisor that’s always on.
Maya knows every rate, every program, every lender quirk. Speaks the way you think. Available the second a question pops into your head — 3am or 3pm.
- 24/7 — never asleep
- 50+ languages, instantly
- Knows the math better than your bank
- Talk to her — voice-first calls
Show us their rate.
We’ll beat it.
Any Big-6 bank’s written rate offer — on a comparable, like-for-like product we beat it, or we e-transfer you $500 (keep it, or we’ll donate it to your favourite charity).
- Written competing offer from any major bank
- Same lender class, product, term and amortization
- We benchmark your file within 24 hours
- If we can't beat it like-for-like, $500 by e-transfer — or to your favourite charity
We put our money where our mouth is.
Real promotions and real savings, with no fine-print surprises.
Rate Beat or $500
Show us any Big-6 written offer. We beat it, or pay you $500 — yours or your charity's.
Learn more 👥Refer & Earn $500
Send a friend our way. When they close, you get $500. No cap.
Learn more 🔄Renewal Loyalty
Returning clients see our absolute best rate before anyone else.
Learn more 🏆$1M+ Concierge
Mortgages over $1M? Independent legal review on us. White-glove every step.
Learn moreDon’t take our word for it.
Five-star Google reviews. The good kind.
“Two banks said no. Mortgage Squad Advisors found a lender and got us our keys in three weeks.”
“Every bank lectured me about why I didn't qualify. MSA actually listened and saved me $290/mo.”
“RBC offered me 5.4%. By Thursday, MSA had me at 4.39% — $400/mo back in my pocket.”
“They explained everything in Punjabi. We got our first Canadian home. They felt like family.”
“I had a consumer proposal. No one would touch me. MSA closed in 10 days without judgement.”
“Two banks said no. Mortgage Squad Advisors found a lender and got us our keys in three weeks.”
“Every bank lectured me about why I didn't qualify. MSA actually listened and saved me $290/mo.”
“RBC offered me 5.4%. By Thursday, MSA had me at 4.39% — $400/mo back in my pocket.”
“They explained everything in Punjabi. We got our first Canadian home. They felt like family.”
“I had a consumer proposal. No one would touch me. MSA closed in 10 days without judgement.”
What does a mortgage broker do, and does it cost me anything?+
A mortgage broker compares mortgages across 100+ lenders on your behalf, negotiates the rate, and manages the paperwork to closing. On most residential deals the lender pays the broker, so our advice is free to you. See how brokers work.
Is a mortgage broker better than going to my bank?+
Your bank can only offer its own rates. A broker shops the whole market — banks, credit unions, and alternative lenders — so you compare many offers instead of one. That competition is what tends to save you money over the term.
I’m a first-time home buyer — where do I start?+
Start with a pre-approval so you know your budget and can hold a rate. We walk you through the down payment, closing costs, and first-time-buyer programs. See our first-time buyer page or run the affordability calculator.
My mortgage is up for renewal — should I just sign the bank’s letter?+
Rarely. The first renewal offer is usually not the lender’s best rate. We benchmark it against 100+ lenders, and a switch or rate-match often saves hundreds a month. See mortgage renewal.
Fixed or variable rate — which should I choose?+
It depends on your risk tolerance and the gap between rates. A fixed rate gives certainty; a variable mortgage can cost less if interest rates fall. A mortgage specialist will model both on your numbers — compare live mortgage rates first.
Do you serve Toronto and the GTA?+
Yes. We’re Toronto mortgage brokers serving the entire GTA and all of Canada, in 50+ languages. Find your city: Toronto, Mississauga, or Brampton.