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Who Stands To Change The Industry


Meet Your #1 Mortgage Brokers In Montreal!

…a GTA based brokerage with a decade of experience under its belt.

Best Mortgages from Certified Mortgage Brokers in Montreal

Are you ready to take the first steps towards becoming a property owner? We are ready to help you. We provide trustworthy mortgage services to ensure that you do not make any costly mistakes during the home financing process. Certified Mortgage Broker in Montreal is dedicated to ensuring that property buyers, whether residential or commercial get the best deals. CMB offers residential and commercial mortgages, mortgage refinancing, second mortgages, private mortgages and construction mortgages amongst many other services.

We not only possess the experience in the industry, but also have built a number of relationships throughout the industry which helps us secure your financing at the best rate and term you prefer.

We started the brokerage after realizing the void in the Canadian Mortgage industry for customer oriented approach with ethical business practices and experience in the business.

Our Approach To Your Mortgage

Acting as an intermediary between you and the lender, with experience and preferred partner status with the most trustworthy mortgage lenders, to carry your interest forward.

We understand that each borrower comes with a unique set of requirements for personal and financial, as well as different aspirations. Our goal is to understand each situation and represent each client in the most professional and courteous way.

Although we are big enough to have a presence in the wider industry, we are still small enough to ensure that our clients enjoy the individualized attention. This ensures that clients are offered a solution tailored to their needs. We also ensure that we lay out the best mortgage options available to them in a concise and clear manner. Please don’t hesitate to get in touch with us so that our hard-working staff can discuss how we can help you!

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Understanding Mortgage Basics

A mortgage allows you to purchase real estate without having to pay the whole price up-front. Instead, you pay a certain percentage of the price to the lender, which is called the down payment, and the loan proceeds will take care of the remainder. You then pay off the loan by making regular payments, which cover both the interest on the loan and some of the principal.

What Happens After

At the end of the term, however, your mortgage may not necessarily be paid off and thus, you will need to renegotiate with your lender for a new mortgage or work with a new lender.

What You Need To Know

Interest rates may be fixed or variable. Fixed rates are set for the whole term of the loan, while variable rates may change depending on market rates. While variable rates are generally lower than fixed rates over the term of the loan and save you money, it is still difficult to predict which will ultimately be the more low-cost option.

The size of your mortgage payments will be determined by the amortization term. This refers to the length of time over which you will pay the loan. For instance, you can choose to pay off the loan over a 20-year or 25-year term. There are a number of factors to consider when choosing your amortization term. A shorter term means that you will make higher payments, but save money on interest, while a longer-term means smaller payments but higher interest costs.


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.

Montreal Mortgage Frequently Asked Questions

What is a Mortgage Term?

The loan that you make to buy a house or some other property is called a mortgage. The principal refers to the amount borrowed. Each mortgage payment pays off part of the principal plus the interest.

You have custody over the property. However, if you fail to pay the loan and interest according to the terms of the contract, the lender may repossess the property.

What is a Down Payment?

A down payment refers to the money you pay for real estate property. This money is paid upfront and the rest of the cost of your new home is covered by your mortgage. For properties that cost up to $500,000, the minimum down payment in Canada is 5% – however, do take note that your lender may sometimes require a higher down payment.

But what if the cost of the property is more than $500,000? If that is the case then the interest is 5% for the first $500,000 and then 10% for the remainder of the cost.

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