Mortgage Agent
Scarborough
Licensed Mortgage Agent Level 2 serving Scarborough & the GTA. Best rates from 30+ lenders, bad credit solutions, and mortgage approval in 24 hours.
4.09%
Best 5-Yr Fixed
3.35%
Best Variable
24hr
Approval
Current Rates — April 2026
Scarborough Mortgage Rates
Bank vs. Broker vs. Sam
See how Sam's exclusive broker rates compare to what the big banks offer. On a $700K mortgage, even 0.5% lower saves you over $25,000 over 5 years.
| Term | Big Banks | Avg Broker | Sam's Rate |
|---|---|---|---|
| 1-Year Fixed | 5.54% | 4.89% | 4.74% |
| 2-Year Fixed | 5.19% | 4.54% | 4.39% |
| 3-Year Fixed | 4.94% | 4.29% | 4.14% |
| 5-Year Fixed | 4.89% | 4.24% | 4.09% |
| 5-Year Variable | 4.45% | 3.60% | 3.35% |
Rates sourced from Ratehub.ca. Rates subject to change. OAC. Contact Sam for your personalized rate.
30+ Lender Network
Sam Shops Every Lender
So You Don't Have To
Unlike going to a single bank, Sam has access to all lender types — finding the best fit for your unique situation.
Big 6 Banks
TD, RBC, BMO, Scotiabank, CIBC, National Bank. Best for strong credit and employment history.
From 4.49%
Monoline Lenders
First National, MCAP, Merix. Mortgage-only lenders with lower overhead — better rates.
From 4.09%
Credit Unions
Meridian, Alterna, DUCA. Member-owned, flexible qualifying, great for self-employed.
From 4.19%
Private Lenders
For bad credit, recent bankruptcy, or unique situations. Fast approval, short-term bridge.
From 7.99%
Mortgage Services
Every Mortgage Solution
for Scarborough Residents
First-Time Buyer Mortgages
Down payment assistance, FHSA, RRSP Home Buyers Plan, and step-by-step guidance for Scarborough first-time buyers.
Mortgage Renewals
Don't auto-renew with your bank. Sam shops 30+ lenders to get you a better rate at renewal — often saving thousands.
Refinancing
Access your home equity for renovations, debt consolidation, or investment. Sam finds the best refinance rates in Scarborough.
Self-Employed Mortgages
Specialized programs for business owners and self-employed borrowers who don't qualify under traditional income verification.
Bad Credit Mortgages
B-lender and private mortgage solutions for Scarborough residents with credit challenges, past bankruptcy, or consumer proposals.
Investment Property
Rental property financing, BRRRR strategy mortgages, and multi-unit property loans for Scarborough real estate investors.
24-Hour Approval
Fast-track mortgage approval for qualified buyers. Get your pre-approval letter in as little as 24 hours.
Cashback Mortgages
Select programs offer cashback at closing — real money back in your pocket to cover moving costs or renovations.
Why Choose Sam
Scarborough's Most Trusted
Mortgage Agent
Sam Sethi is both a licensed Realtor AND Mortgage Agent Level 2 — a rare combination that gives Scarborough clients a complete advantage. One expert handles your home purchase and mortgage, saving you time, money, and coordination headaches.
- Access to 30+ lenders — banks, credit unions, monoline, private
- Mortgage Agent Level 2 — highest individual designation in Canada
- Also a licensed Realtor — one expert for buying AND financing
- Mortgage approval in 24 hours for qualified Scarborough buyers
- Bad credit, self-employed, and newcomer mortgage specialists
- Free mortgage consultations — no obligation, no pressure
- Cashback mortgage options available for qualifying buyers
- Serving Scarborough, Agincourt, Bluffs, Malvern, West Hill & all GTA
Sam Sethi
Mortgage Agent Level 2 — Scarborough
Licensed Realtor & Mortgage Agent
Client Reviews
What Scarborough Clients
Say About Sam
“Sam got us approved when two banks turned us down. He found us a rate of 4.09% through a monoline lender — saving us over $400/month compared to what the bank offered. He explained everything clearly and was available 7 days a week.”
Priya & Raj M.
First-Time Buyers, Scarborough
“I needed to access equity for a renovation. Sam found me a refinance rate 0.75% lower than my bank quoted. The process was smooth and he handled all the paperwork. Highly recommend for anyone in Scarborough.”
James O.
Refinanced in Agincourt
“We were self-employed and worried about qualifying. Sam knew exactly which lenders to approach and got us approved in 48 hours. He also handled our real estate purchase — one person for everything was amazing.”
The Chen Family
Upgraded in Scarborough Bluffs
“After a difficult divorce, my credit was damaged. Sam found me a private mortgage solution that let me buy my own home in Scarborough. He was compassionate, professional, and never judged my situation.”
Maria S.
Bad Credit Mortgage, Malvern
People Also Ask
Mortgage Agent Scarborough
FAQ
Mortgage Services
Get Pre-Approved Today
Free mortgage consultation. No obligation. Sam responds within 1 hour.