Mortgage Agent
Toronto
Sam Sethi shops 30+ lenders to get you the best mortgage rates in Toronto — banks, credit unions, and monoline lenders all competing for your business.
30+
Lenders Shopped
0.5–1.5%
Below Bank Rates
24hr
Pre-Approvals
Free
Consultation
Toronto Mortgage Rate Comparison
Why Toronto homebuyers choose Sam over going directly to a bank
| Mortgage Type | Big Banks | Avg Broker | Sam Sethi |
|---|---|---|---|
| 5-Year Fixed | 5.49% | 4.99% | 4.64% ✓ |
| 3-Year Fixed | 5.79% | 5.19% | 4.84% ✓ |
| Variable Rate | 5.95% | 5.45% | 5.10% ✓ |
| HELOC | 7.20% | 6.80% | 6.45% ✓ |
*Rates are indicative. Contact Sam for your personalized rate.
Toronto Mortgage Services
Every mortgage need covered — from first purchase to investment portfolio
First-Time Buyer Mortgages
Navigate Toronto's competitive market with cashback mortgages, FHSA, and land transfer rebates up to $8,475.
Mortgage Renewals
Don't auto-renew with your bank. Sam shops 30+ lenders to get you a better rate at renewal — often saving $10,000+.
Refinancing
Access your home equity for renovations, debt consolidation, or investment. Toronto home values make refinancing powerful.
Self-Employed Mortgages
Specialized programs for Toronto's entrepreneurs and business owners. Stated income and alt-doc solutions available.
Bad Credit Mortgages
B-lenders and private lenders for Toronto buyers with bruised credit. Rebuild your credit while owning property.
Investment Property
Finance Toronto condos, duplexes, and multi-unit properties. Rental income strategies to maximize your portfolio.
24-Hour Approvals
Fast pre-approvals so you can make competitive offers in Toronto's fast-moving real estate market.
New to Canada
Newcomer mortgage programs with as little as 5% down. Sam helps new Canadians build equity in Toronto.
Toronto Clients Love Sam
“Sam got us 0.8% below what TD offered. On a $750K mortgage that's massive savings. Highly recommend!”
Priya M.
North York
“Self-employed and thought I'd never qualify. Sam found a lender that approved us in 48 hours. Incredible.”
James K.
Downtown Toronto
“Renewal was coming up and Sam saved us $340/month vs staying with our bank. Should have called him sooner.”
Fatima A.
Etobicoke
“Bad credit from a divorce. Sam worked with a B-lender and we're now homeowners. Life-changing service.”
David L.
Scarborough
Mortgage Agent Toronto — FAQ
Ready for the Best Mortgage Rate
in Toronto?
Free consultation. No obligation. Sam shops 30+ lenders so you don't have to.