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Mortgage Squad Advisors
Ontario · GTA

Mortgage broker in Toronto — best rates across 50+ lenders.

Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich. FSRA Licensed (#13737), five-star rated, thousands of mortgages funded across Canada — and Maya AI 24/7 in 50+ languages.

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5-star rated| FSRA #13737| 50+ languages
Avg. price
$1,150,000
Toronto benchmark, 2026
Population
~3.0M
Latest census + StatCan
Lender network
50+ lenders
A · B · monoline · private
Languages
12+
Punjabi, Mandarin, Arabic, French + more
Programs in Toronto

Whatever your situation in Toronto.

First home, renewal, refinance, investor portfolio — we have a path. Same FSRA license, same 50+ lender network, same dedicated advisor model nationwide.

First-time buyer

5% down to your first Toronto home with FHSA + RRSP HBP optimization.

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Renewal

Don't auto-renew with your bank. Average Toronto client beats their bank's first offer by 30-60bps.

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Refinance

Toronto home prices have grown — unlock that equity for renovations, debt consolidation, or investment.

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HELOC

Up to 65% LTV on a stand-alone HELOC. Variable rate, interest-only, redraw any time.

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Investment

Build your Toronto rental portfolio — multi-unit, BRRRR, DSCR-style products available.

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Self-employed

Toronto's BFS borrowers deserve lenders who understand the math. We have dozens that do.

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New to Canada

Newcomer programs at all 5 majors. International credit accepted. We speak your language.

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Bad credit

No judgment in Toronto. B-lenders + private mortgages get you in now; we plan the exit to A-pricing in 12-24 months.

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Multiplex (2-4)

Federal policy now finances owner-occupied 2-4 unit Toronto properties with as little as 5% down.

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Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

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Toronto neighbourhoods we serve

From Downtown Core to The Beaches — we know the local market, the typical price band, and the lender appetites that fit each pocket.

Downtown Core
Etobicoke
North York
Scarborough
East York
Forest Hill
Leslieville
The Beaches
Why us in Toronto

Local market knowledge + national lender access.

Canada's largest mortgage market — multi-tiered, multi-cultural, lender-rich. Our advisors know which lenders price aggressively in Toronto, which ones flex on GTA property types, and which programs match the buyer profile here.

  • FSRA Licensed #13737 · MBLAA · FINTRAC-reporting
  • Dedicated advisor in your time zone
  • Maya AI for instant answers, 24/7
  • Rate Beat Guarantee — beat any Big 6 offer or $500
Run the math See today's rates Read our blog
5★
Five-star reviewed

From Canadians, including dozens in Toronto.

Frequently asked questions — Toronto

Don’t see yours? Ask Maya — instant answer in 50+ languages.

Do you serve all of Toronto?
Yes — we provide mortgage brokerage services across Toronto including Downtown Core, Etobicoke, North York, Scarborough and surrounding areas. Our advisors know the local market and lender preferences.
What's the average home price in Toronto?
As of 2026, the benchmark price in Toronto is approximately $1,150,000. Your specific neighbourhood and property type can vary materially. We'll model your file at the price band that matches your search.
What documents do I need for a mortgage in Toronto?
Standard Canadian mortgage documents: two pieces of government photo ID, two years of T4s/NoAs, recent pay stubs, 90-day proof of down-payment funds, and your purchase agreement once you have one. Self-employed and newcomer files have additional requirements — we'll send a precise list after a 5-minute intake.
Do you work with first-time buyers in Toronto?
Yes. First-time buyers are a core part of our practice. We help with FHSA + RRSP HBP planning, FTHB land transfer tax rebates (where applicable in Ontario), CMHC insured paths starting at 5% down, and stress-test simulation before any offer.
Is Mortgage Squad Advisors licensed to operate in Ontario?
Mortgage Squad Advisors holds FSRA Brokerage License #13737. We hold or partner under the appropriate provincial regulator for each market we serve, including Ontario. All advisors are licensed and FINTRAC-trained.
How long does pre-approval take?
Most clients receive a written pre-approval within 24-72 hours of submitting documents. Maya AI gives you ballpark numbers in 60 seconds; the formal pre-approval requires a credit pull and underwriting review.
Do you handle complex files like self-employed or new-to-Canada in Toronto?
Yes. Toronto's buyer pool reflects the broader Canadian market — self-employed, newcomer, multi-unit, alt-A, and private files are all in our daily flow. We pair you with an advisor experienced in your file type.
What rates can I get in Toronto today?
Today's best 5-year fixed across our network is approximately 4.19%. Variable is around 4.04%. Your personalized rate depends on your file (income, credit, LTV, property type). See our live rate board or ask Maya for an instant quote.

Other Ontario markets we serve

View all →
Vaughan
Mississauga
Brampton
Markham
Oakville
Richmond Hill
Ajax
Pickering
Whitby
Oshawa
Burlington
Milton

Get the best mortgage in Toronto.

No obligation. No credit check to begin. Just answers — and the best rates Toronto has to offer.