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Best Mortgage Rates Toronto

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We Offer The Best Mortgage Rates In Toronto

We Are The Leaders

We offer some of the best and most customizable mortgage rates in Toronto. We are committed to provide our customers with unparalleled mortgage services.

We Work With The Greatest Lenders
Toronto Mortgage Brokerage is one of the best mortgage brokers in Canada. Our customer service is unsurpassed and so are our rates. Our knowledgeable staff has numerous connections with the greatest lenders allover Canada.

We Serve All The GTA
We offer successful mortgage options for customers in Aurora, Markham, Mississauga, New Market, North York and all of the Greater Toronto Area. Even if you’re out of the area, give us a call to receive a no obligation consultation. Please contact us at any time to get a quick assessment and to discuss different options.

We’ll Give Your The Best

When thinking of rates it is not only lowest rate that matters. There are many different types of rates, starting from variable to fixed. Only a qualified professional can help you to make the right decision as to which rate is right for you. You priorities and needs are always put into first place. With our help you can feel confident and rely on the fact that you got the best of the best.

We Stay On Top
Market changes can be abrupt and unexpected. Along with market changes, mortgage rates inevitably fluctuate as well. Fortunately the expertise of our team enables us to always stay on top of these changes. We put in all our effort into doing our job right; that is exactly why we are able to provide the lowest rates. We have special access to hundreds of brokerage products that other companies are not even aware of. If you would like to find out the most current rates, don’t hesitate to contact us.

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There Is Nothing We Can’t Handle

Regardless of what your financial situation is, there is absolutely nothing that we can’t handle. At Toronto Mortgage Brokerage we promise that you will be happy with our services. We will help you to quickly determine how much you’re entitled to and what you can afford. In the end we guarantee to maximize your savings.

Google Reviews

Certified Mortgage Brokers
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Sean Hammond

I had to port a mortgage to a new condo, Leon had excellent knowledge to get me through the approval process. When the bank made an error, Leon was quick to contact them to make sure everything was done right and on time. He is very professional and courteous and I recommend his service to anyone who wishes to apply for a mortgage.

Ronald McDonald

Giving them 5/5 stars. Massoud helped me with my mortgage and he never missed a beat. He made the process very straightforward as a first time home buyer. Shopped around for other mortgages but he was always the first to get things for me. Highly recommend him

Shannon Jones

I was looking to renew my mortgage and my previous lender was less than willing to do anything to keep my business. So I started to look for another brokerage to do business with and Certified Mortgage Broker stood out purely based on my interactions with Massoud. Massoud was professional and clearly had a keen sense of customer service; which I make a high priority when doing business with anyone since I'm in the customer service business myself. Peter rolled out the red carpet for me, walked me through my options, inquired about my plans with my current property, give me opinions and facts about rentals in the area, sales/purchases. In some respects he gave me more information about real estate than my real estate agent has!

Glen Plummer

Selling and buying a home is a stressful experience and Leon with CMB in North York took all of the stress out of arranging the financing. He was very professional and clear about what I needed to provide to him. He used this information to arrange the best mortgage option on our new home, arranged the bridge loan to cover the closing period differential, and arranged closing out the mortgage with the previous lender.. Our experience with Leon is far better than the local in-person brokers that we contacted previously and Leon has helped us with a mortgage renewal in the past with the same excellent experience.

Colleen Power

Leon returned my called from a missed call within 15 minutes of my call and I left no message. Leon and his team were fantastic. Even with the money issues we had Leon made me feel important and valued as a person.

Mortgage Rates FAQ’s

What’s the point of comparing mortgage rates?

First of all, there are so many lenders out there who each has many diverse packages to choose from. It can take ages to go through each mortgage providers products and compare them by yourself. We’ve already identified the top mortgage providers and compared them for you to quickly and easily narrow down your search.

How often does Toronto Mortgage Brokerage update their rates?

There is no set rule for when mortgage rates are updated. Individual brokers, as well as lenders, choose when to update their rates at their own discretion. We are constantly checking the brokers we compare on our website as well as the Canadian Bank to ensure you get the most up to date rates. The most up to date mortgage rates from the best mortgage providers or brokers in Toronto. Compare any type of mortgage from fixed or variable-rate mortgages to open or closed mortgages as well as mortgages with various terms and down payments.

Fixed rate vs. Variable rate mortgages

As the name suggests, fixed-rate mortgages have interest rates that are fixed for the entire period of the mortgage. This rate is established before you buy the mortgage product based on the prime interest rate at the time. Your interest payments won’t change if the prime interest rate fluctuates later on, for better or worse.

A variable-rate mortgage usually starts out with an interest rate slightly lower than for fixed-rate mortgage products. However, your interest payments will follow the interest rate as it goes up and down during your mortgage period. This means that you will be making a trade-off between stability or instability when it comes to your payments for the chance of paying less interest.

What are my pre-payment options?

Your prepayment options will depend entirely on the mortgage provider you choose as they set their pre-payment terms on an individual basis. There are usually two types of pre-payment options: lump sum pre-payments and monthly prepayment increases.

A lump sum prepayment option means that you have the choice to make a lump sum contribution to what’s left of your principle. The maximum amount you can prepay will usually be given as a percentage of your remaining or initial principle, e.g. 20%. It might be possible to pay more if you pay a penalty.

A monthly payment increase allows you to increase your monthly payments at any time. The higher your monthly payments are the shorter the remaining amortization period. There will also usually be an upper limit on by how much you can increase your payments from their original amount.

What’s the difference between an open or closed mortgage?

The biggest difference between open and closed mortgages comes down to flexibility in how and when you pay off your principal mortgage amount. An open mortgage allows you to make additional payments or pay off the entire principal amount at any time during the mortgage period. The ability to free yourself from your mortgage commitment early comes at the cost of paying a higher rate.

On the other hand, a closed mortgage has fixed payment amounts, schedules, and terms to which you are bound. Some lenders allow you to amortize your principle early if you pay what is called a pre-payment penalty. However, these mortgages come with lower interest rates than open mortgages. An open mortgage can be a good option if you know you are due to receive a large sum of money soon.

Both open and closed mortgages can come in fixed or variable rate mortgages.

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