Outline Financial stands as one of Canada’s premier mortgage and insurance companies, offering clients direct access to a wide array of rate and product options from over 30 banks, credit unions, mono-line lenders, and insurers.

By offering direct access to rate and product options from over 30 banks, credit unions, mono-line lenders, and insurers, Outline Financial provides clients with a wide array of options, ensuring that they can find the most suitable mortgage and insurance solutions tailored to their needs.

The company’s commitment to being available when clients need them and providing direct, straightforward advice ensures that clients receive a personalized and approachable service experience, built on trust and professionalism.

Outline Financial’s focus on getting things done and delivering tangible results underscores their dedication to helping clients navigate the complexities of mortgage and insurance planning, ensuring that they achieve their financial goals.

The extensive range of options from over 30 lenders may potentially overwhelm clients who are not familiar with the mortgage and insurance landscape, requiring them to invest time in understanding the available choices and making informed decisions.

Paul Meredith is an accomplished figure in the mortgage industry, renowned for his bestselling book and prominent roles on real estate television.

Recognized consistently as one of Canada’s top 75 mortgage brokers, his accolades underscore his expertise and credibility.

Upon engaging with The Paul Meredith Team, we were immediately struck by their professionalism and genuine care.

Their commitment to treating clients like family is evident, which is reflected in their stellar reputation. Moreover, their dedication extends beyond their clients, as they actively contribute to community causes such as The Canadian Alliance To End Homelessness.

Specializing in residential mortgages across Ontario, The Paul Meredith Team prides itself on offering competitive rates and comprehensive solutions.

With access to a diverse network of lenders, including major banks, we like that they serve as a comprehensive resource for various mortgage needs. Notably, they excel in assisting clients with complex or previously declined mortgage applications.

As part of CityCan Financial, a respected brokerage, they offer a wide array of mortgage options tailored to individual needs.

Whether purchasing a home, refinancing, or considering renewal options, clients can rely on The Paul Meredith Team for personalized solutions.

Renowned for delivering exceptional customer experiences, they provide tailored mortgage solutions and stay abreast of market trends to keep clients informed.

Online resources and calculators further facilitate informed decision-making, while Paul’s insightful blogs serve as invaluable sources of mortgage information.

For those seeking unparalleled professionalism and competitive rates, we think that The Paul Meredith Team is the epitome of excellence in the mortgage industry. Their commitment to service and expertise make them a top choice for clients seeking mortgage solutions in Toronto and beyond.

Jane Tran offers more than just mortgages; she provides clients with access to a diverse range of financial products and services to meet their evolving needs. From mortgages to insurance and legal assistance, Jane Tran serves as a trusted advisor and partner on the journey towards financial stability and home ownership.

The RightMortgage program by Mortgage Alliance offers clients a customer-focused mortgage experience characterized by flexibility, savings, and personalized service.

With access to a wide network of lenders and exclusive broker offerings, clients can secure the best mortgage terms tailored to their unique circumstances and future goals.

Jane Tran streamlines the mortgage process through RightClose, eliminating the need for clients to navigate back and forth to a lawyer’s office.

With easy access to legal advice and title insurance on their terms, clients enjoy enhanced convenience, time savings, and peace of mind throughout the mortgage transaction.

The mortgage brokerage industry in Toronto is highly competitive, with numerous brokers vying for client attention and market share. While Jane Tran distinguishes herself through personalized service and comprehensive solutions, navigating the crowded market requires continuous innovation, differentiation, and strategic positioning to stand out amidst competitors.

Ross Taylor’s two-time national award-winning status reflects a high level of expertise and excellence in the mortgage industry, instilling confidence in his ability to navigate complex scenarios. This is why we’ve included him in the list.

The focus on difficult mortgages showcases Ross’s commitment to helping clients facing challenging circumstances, such as inadequate credit or post-bankruptcy situations.

This specialization adds value for clients in unique financial situations.

We like the constant support and effectiveness in getting clients approved for mortgages, even in challenging financial situations.

This level of personal attention and support can be crucial for clients navigating complex financial circumstances.

With Ross Taylor’s services, one can expect fast and smooth approval process, along with securing affordable rates, demonstrates efficiency and effectiveness in managing mortgage applications.

TurnedAway.ca specializes in assisting homeowners who have been turned down by traditional banks or mortgage professionals.

With a team of experts boasting over 30 years of combined industry experience, we find that the brokerage has the knowledge and resources to navigate complex financial situations and find suitable mortgage solutions for clients with diverse needs.

Unlike traditional lenders, TurnedAway.ca offers a variety of unique financing solutions tailored to each client’s specific circumstances.

Whether it’s consolidating debts, purchasing a home, or investing in commercial properties, the brokerage leverages its extensive network of institutional and private lenders to provide customized mortgage options that meet the unique needs of each client.

Through its strong relationships with lenders, TurnedAway.ca is able to secure some of the lowest rates and most flexible terms available in Canada.

By focusing on common-sense lending criteria rather than rigid credit or income requirements, the brokerage ensures that clients have access to mortgage financing that aligns with their long-term financial goals.

We highly recommend!

What we like about True North Mortgage is how long they’ve been serving Canadians. They’ve been around for over 17 years—speaks about their expertise in the local mortgage market, no?

We also like that they’re accessible with many branches in the country, with two in Toronto: King Street and Richmond Adelaide Centre. Convenient, eh?

Speaking of accessibility, we highly appreciate True North Mortgage for providing in-person and virtual appointments. They have virtual agents you can talk with no matter where you are in Canada.

Additionally, we found it impressive that you can speak to someone in your preferred language. It’s a very helpful feature, which earns them big points from us!

On top of that, we were glad to learn that they have mobile brokers who will travel to your location. Another advantage is they can accommodate your schedule!

However, we noticed their King Street location has a limited number of mortgage brokers. It’s a downside for us, considering Toronto’s competitive real estate market.

Nonetheless, we think we can let that slide, considering they’re highly accessible in Toronto! It’s a feature that not all brokers have.

Also, we appreciate their Toronto mortgage brokers for being attentive to each client’s needs. Our surveys showed that they were easy to talk with, which resulted in a smoother process.

True North Mortgage also offers a wide range of services, whether you’re a first-time buyer or have bad credit. We like that they’re a one-stop destination for your needs!

Lastly, we commend their Rate Guarantee, where they’ll beat a competitor’s rate or give you $500. But you might have a hard time looking for low rates since they’re 0.20% lower than their competitors.

We appreciate Get A Better Mortgage for getting a BBB accreditation, which we believe shows their dedication to client satisfaction. Impressively, they earned an A+ rating!

They don’t have a large team of mortgage brokers available, which is a drawback for us during busy months. They only have one commercial mortgage specialist, unfortunately.

Nonetheless, we admire the team’s helpfulness. Their past clients were grateful for how easy the communication was—it shows their dedication, don’t you think?

As for their services, we appreciate they cater to first-time homebuyers, mortgage refinance, and mortgage renewals. That’s not all well liked, though!

They focus on offering custom solutions to their clients, which we greatly appreciate. It can be challenging for self-employed individuals to qualify for a mortgage, and that’s why we appreciate Get A Better Mortgage for assisting.

Moreover, they have access to a tonne of lenders who offer many mortgage options for self-employed Torontonians. Plus, we like their competitive price financing options for small businesses and freelancers, so monthly payments won’t be hard on the wallet.

Although Get A Better Mortgage is one of our picks because of their flexible solutions, we hope they can add virtual services in the future. We believe that would be helpful for clients with busy schedules or those who want to move to Toronto.

Kim Gibbons of Mortgage Superhero is a pretty well-known mortgage broker in Toronto. We can confidently say that because she’s earned several features in the media.

Some of the media outlets that featured her are the Toronto Star, CTV News, Global News, CBC News, and the National Post. Don’t you think it speaks about her real estate and mortgage knowledge?

But the thing we were most concerned about is she’s practically a one-woman team, being the only broker at Mortgage Superhero. While that doesn’t affect her skills in any way, the problem lies with her delayed responses, based on our client surveys.

Nevertheless, we’ve seen a massive improvement since these issues. For us, it shows her dedication to client satisfaction by improving her communication skills.

Plus, Gibbons now responds within 24 hours of your online mortgage application. It’s quick and easy now!

We were pleasantly surprised at the many services she offers despite not having a large team of mortgage brokers. She works with first-time homebuyers, self-employed individuals, and investment property owners.

Notably, Gibbons offers low mortgage rates, sometimes as low as 1.99% for a 5-year term. It’s helpful as it can save you more money than other brokers in Toronto!

One of the things we like about Mortgages.ca is their A+ BBB accreditation. For us, that speaks about their dedication to making their clients happy.

Besides that, we found it impressive that they earned trust from various media outlets over the years. They were featured in the National Post, Rogers TV, CNC News Network, and Top Million Dollar Agent.

That’s not the main reason we included them on our list. They’ve earned various awards as well, showing their service quality!

Some of the awards they earned are the CMP Top 75 Brokers in 2016, 2017, and 2018. They also won the 2020 Mortgage Architects Award of Excellence and a 2020 Finalist for Broker of the Year from the Canadian Mortgage Awards.

Their awards shouldn’t have been surprising since many clients expressed satisfaction due to their service quality. They’ve even earned loyal clients, which shows how they take care of everyone they serve!

Mortgages.ca caters to first-time home buyers, individuals who want a second home, and those who want to invest in rental properties. However, they don’t specialize in commercial project mortgage solutions as they mainly cater to rental properties.

Still, we appreciate their brokers arranging the best rates for their clients. It helps that they have access to many lenders to find the best solutions!

Finally, we want to give Mortgages.ca more points because they’re attentive and quick to respond! It’s some of our favourite qualities that we heard from our surveys.

Monster Mortgage has been around since 1997—that’s over 26 years of experience! It’s impressive how they’ve helped over 100,000 Canadians.

Another impressive factor is their dedication to educating Canadians about making real estate decisions. In fact, they’re part of the CP24 “Hot Property” show, which started in 2002!

In addition, they’ve been featured in the Globe and Mail, National Post, and Canadian Real Estate Magazine. In our opinion, this shows that they’ve earned the trust of Canadians.

Monster Mortgage has also won Mortgage Brokerage of the Year by the Canadian Mortgage Award three times! That’s an impressive feat, eh?

It’s pretty helpful that they have access to many lenders, including big banks, if that’s what you prefer. Also, it means they can find you the best financial solutions that will meet your needs.

Although we appreciate their focus on residential real estate, it’s a disadvantage for commercial clients. They don’t have a lot of commercial real estate services, but they offer refinancing if you want to buy an investment property.

We also appreciate their large team, allowing them to cater to many Torontonians at once. It can also help you find the mortgage broker you feel most comfortable with.

Furthermore, they partner with RE/MAX Hallmark’s Corbo Kelos Group. As a result, working with their real estate partner gets you a 1% cash rebate of the amount of your mortgage, which you’ll receive after closing the deal with your real estate agent.

With nearly two decades in the mortgage industry, we think that Patrick Soy brings a wealth of experience, making him a seasoned professional well-versed in the intricacies of real estate financing.

Patrick’s national recognition and awards highlight his expertise and excellence in the mortgage industry.

We think that such accolades often indicate a commitment to high standards and customer satisfaction.

Patrick’s collaboration with top Canadian mortgage lenders and brokerages across various sectors demonstrates a broad network and access to diverse mortgage solutions.

We find that this can be advantageous for clients seeking tailored financing options.

Patrick’s active involvement in the LGBTQ+ community and his commitment to values of diversity and inclusivity contribute to a positive and welcoming approach, potentially resonating well with a diverse clientele.

With his wide range of services and great delivery, we recommend!

Brilliant Mortgages emphasizes helping clients achieve their goals as their top priority. From the initial connection to the successful closing of a mortgage loan, the company is dedicated to demystifying the mortgage process, educating clients, and developing tailored solutions to meet individual needs.

We like how this client-centered approach ensures that customers receive personalized attention and support throughout the mortgage journey.

Brilliant Mortgages offers a diverse selection of loan products and programs to cater to various financial needs and preferences, which we really like about them.

Whether clients are interested in investment properties, fixed or variable rate mortgages, home equity lines of credit, or first-time buyer loans, the company provides options to suit different situations and objectives.

We think this breadth of offerings allows clients to explore different financing options and find the most suitable solution for their circumstances.

We highly recommend!

As an independent advisor, Janice Gerardi offers unbiased guidance and solutions tailored to each client’s unique needs and circumstances.

Unlike banks or generalist advisors, we like that Janice is not limited to promoting specific products or services, allowing her to explore a wide range of mortgage options to find the best fit for her clients.

Janice emphasizes full and frequent communication with her clients, ensuring that they are informed and involved throughout the mortgage process. This is what we like about her and her services.

By providing clear explanations and guidance, Janice helps alleviate confusion and empowers clients to make informed decisions about their mortgage options.

We appreciate Janice’s commitment to confidentiality and transparency throughout the mortgage process.

Whether discussing financial goals, exploring mortgage options, or navigating the approval process, we find that clients can trust that all conversations are confidential and conducted with integrity.

We recommend!

Guardian Mortgages is a distinguished mortgage brokerage firm serving local communities across Ontario. With a mission to change lives through financial literacy, Guardian Mortgages offers guidance, protection, and care in every aspect of mortgage financing. Led by a team of experienced professionals, the firm specializes in providing tailored mortgage solutions to help clients achieve their financial goals and shape the lifestyle they envision.

We like that Guardian Mortgages prioritizes personalized service and genuine care for its clients. Through a white-glove mortgage process, the firm offers tailored solutions that align with each client’s unique needs, goals, and financial situation. Clients can expect attentive support and clear communication at every stage of the mortgage process.

Furthermore, their team boasts extensive experience and expertise in mortgage financing, including various specialties such as wealth creation, refinancing, and purchasing properties. With a deep understanding of market trends and financial strategies, the brokers offer valuable guidance and personalized solutions to clients.

Note though that while Guardian Mortgages serves local communities across Ontario, its services may be limited to clients within a specific geographic area. Clients outside of Ontario may not have access to the firm’s specialized mortgage brokerage services.

Overall, Guardian Mortgages emerges as a leading provider of mortgage brokerage services, offering expertise, care, and innovative solutions to clients across Ontario. With a mission to change lives through financial literacy, the firm’s unique AYME mortgage strategy and comprehensive approach set it apart in the industry. 

Pekoe Mortgages aims to revolutionize the mortgage industry by providing homebuyers and homeowners with the tools and knowledge they need to make informed financial decisions. With a mission to offer full, transparent mortgage products and competitive rates, Pekoe Mortgages is dedicated to helping clients navigate the complexities of financing a home. 

By partnering with over 45 lenders, including major banks like Scotiabank, BMO, and TD Bank, Pekoe Mortgages can offer clients exclusive rates that are often lower than publicly advertised. This extensive network ensures that clients have access to a wide range of options, enabling them to find the best possible deal for their specific needs. Furthermore, Pekoe Mortgages’ online platform allows clients to easily compare rates and terms, streamlining the mortgage process and making it more accessible.

Furthermore, their team of mortgage professionals is dedicated to helping clients understand the intricacies of various mortgage products, ensuring that they make informed decisions. This personalized approach includes guidance on everything from initial mortgage applications to renewals and refinances. 

However, there are some potential drawbacks to working with Pekoe Mortgages. The reliance on an online platform may not suit everyone, particularly those who prefer face-to-face interactions. While their digital approach offers convenience, it may lack the personal touch that some clients value. 

Overall, Pekoe Mortgages stands out as a forward-thinking mortgage brokerage that combines competitive rates with expert advice. Their commitment to transparency and client empowerment makes them a strong choice for anyone looking to finance a home.