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Mortgage Squad Advisors
Disclaimer

Disclaimer

Last updated: April 29, 2026

The information on mortgagesquad.ca is provided for general informational purposes only. While we make every effort to ensure the accuracy of our content, we make no representations or warranties about the completeness, accuracy, or suitability of any information for your specific situation. Nothing on this website creates a brokerage-client relationship between you and Mortgage Squad Advisors until we have explicitly agreed to act for you in writing.

1. Rate Information

All rates displayed on this website are illustrative and subject to change without notice. Actual rates depend on lender, product, term, qualification, property type, location, insurance status (insured / insurable / conventional), and prevailing market conditions at the time of application. Rate quotes are not binding until you receive written confirmation from a lender. O.A.C. (On Approved Credit). E.&O.E. (Errors & Omissions Excepted). Rates and program details on this site are reviewed periodically; see our /rates page for the most recent review date.

3. Maya AI Output

Maya is an AI assistant. Maya's responses are generated by machine-learning systems and may contain inaccuracies, hallucinations, or outdated information. Maya cannot make binding decisions, provide formal pre-approvals, or guarantee any rate. Treat Maya's output as informational only — confirm all material decisions with a licensed advisor before acting. Conversations with Maya are subject to our Privacy Policy.

4. Calculator Output

Calculators on this website provide estimates based on the inputs you provide and current modelling assumptions (interest rate, amortization, stress-test rate, property tax rate, default insurance premium tiers, etc.). Actual mortgage qualification, payment, and savings depend on lender-specific underwriting, credit history, property valuation, OSFI B-20 stress test (for federally-regulated lenders), and market conditions at the time of application. Calculators are educational tools, not commitments.

5. Forward-Looking Statements & Rate Forecasts

Some content on this site — including blog posts, market commentary, and Bank of Canada rate forecasts — contains forward-looking statements about future interest rates, housing market conditions, or regulatory changes. Forward-looking statements are based on assumptions and current information; actual outcomes may differ materially. Do not rely on forward-looking statements as a guarantee of future events. We update market commentary periodically but do not undertake to update every forward-looking statement as new information emerges.

6. Educational Content

Guides, blog articles, glossary entries, and explainer content are written for general educational purposes. They explain general concepts and industry norms, not your specific file. Industry norms change with regulatory updates, lender appetite, and market conditions; older articles may reference rules or programs that have since changed. For decisions about your own mortgage, always work with a licensed advisor who can apply current rules to your file profile.

7. Jurisdiction

Mortgage Squad Advisors is licensed by FSRA in Ontario (Brokerage #13737). We serve clients across Canada via a network of licensed mortgage professionals appropriate to each jurisdiction. Some content on this site references Ontario-specific programs, rebates, taxes, or rules (e.g., Ontario Land Transfer Tax rebates, Toronto Municipal Land Transfer Tax, FSRA disclosure forms). Equivalent programs and rules in other provinces may differ — your advisor will confirm what applies to your specific market. See our /licensing page for the full regulatory disclosure.

9. Testimonials

Testimonials reflect the experiences of individual clients and are not representative of all clients. Results vary based on individual file profile, lender market conditions, regulatory environment at the time of the transaction, and other factors. We do not guarantee similar outcomes for any specific client. Testimonials may be edited for length and clarity; original wording is retained on file.

10. Third-Party Information

Lender profiles on /lenders summarize each lender's positioning from our brokerage's perspective based on industry experience. Lender programs, rates, and underwriting criteria change frequently and without notice. We do not represent any specific lender, and lender details on this site should not be relied on as a substitute for the lender's own current product disclosures.

Contact

  • Mortgage Squad Advisors (Ontario) Inc., 310-3100 Steeles Ave W, Vaughan, ON L4K 3R1
  • Email: info@mortgagesquad.ca
  • Phone: (905) 553-8550
  • See also our Privacy Policy, Terms of Service, Cookie Policy, Accessibility Statement, Compliance Disclosure, and Licensing page.