Mortgage Agent
Toronto & Scarborough
Sam Sethi — Licensed Mortgage Agent Level 2. Access 30+ lenders, get the best rates, and get approved — even with bad credit. Mortgage approval in 24 hours Toronto.
Serving Toronto, Scarborough, Markham, Brampton, Mississauga & all of the GTA.
30+
Lending Partners
24hrs
Approval Turnaround
Level 2
Mortgage Agent License
Free
Rate Comparison
Rate Comparison
Banks vs Brokers
Who Wins on Rate?
Sam shops all three lender tiers simultaneously — you get the best rate from 30+ options, not just one bank's offer.
| Lender | Type | 3-Yr Fixed | 5-Yr Fixed | Variable | Access |
|---|---|---|---|---|---|
TD Bank | Big 6 Bank | 5.49% | 5.24% | 5.25% | Direct |
RBC Royal Bank | Big 6 Bank | 5.44% | 5.19% | 5.20% | Direct |
BMO | Big 6 Bank | 5.54% | 5.29% | 5.30% | Direct |
Scotiabank | Big 6 Bank | 5.49% | 5.24% | 5.25% | Direct |
First NationalBest Value | Monoline | 4.89% | 4.74% | 4.65% | Via Sam |
MCAPBest Value | Monoline | 4.84% | 4.69% | 4.60% | Via Sam |
Merix FinancialBest Value | Monoline | 4.79% | 4.64% | 4.55% | Via Sam |
Equitable Bank | B Lender | 5.74% | 5.49% | 5.45% | Via Sam |
Rates as of April 2026. OAC. Subject to change. View full rate comparison →
Big 6 Banks
Convenient but limited to their own products. Posted rates are negotiable but rarely match broker rates.
Monoline Lenders
Mortgage-only lenders with lower overhead. Broker-exclusive rates consistently 0.40–0.75% below banks.
Private Lenders
Equity-based approvals for any credit score. Higher rates but fast approvals when banks say no.
Mortgage Solutions
Every Mortgage Type.
Every Situation.
As a Mortgage Agent Level 2, Sam has access to the full spectrum of mortgage products — from major banks to private lenders.
Residential Mortgages
Purchase, renewal, and refinance for all property types across the GTA.
Learn MoreBad Credit Mortgages
Specialized solutions for clients with bruised credit, bankruptcy, or non-traditional income.
Learn MorePrivate Mortgages
Alternative lending when banks say no. Fast approvals, flexible terms.
Learn MoreSelf-Employed Mortgages
Tailored for entrepreneurs and business owners with non-traditional income documentation.
Learn MoreCommercial Mortgages
Financing for commercial properties, investment portfolios, and business acquisitions.
Learn More24-Hour Approvals
Fast-track approvals when time is critical. Sam works with lenders who move quickly.
Learn MoreWhy Choose Sam
Your Mortgage Agent
in Toronto & Scarborough
As a Mortgage Agent Level 2 and licensed Realtor, Sam Sethi offers a unique advantage — he understands both the real estate and mortgage side of every transaction. This means better coordination, faster approvals, and often better rates.
Sam shops 30+ lenders simultaneously — major banks, credit unions, monoline lenders, and B lenders — to find the absolute best rate and product for your situation. Your bank will never do this for you.
Whether you're buying your first home, renewing your mortgage, refinancing to access equity, or dealing with bad credit — Sam has a solution. Mortgage approval in 24 hours Toronto is possible in many cases.
- We shop 30+ lenders — we beat the banks every time
- Approvals when others say no — bad credit, self-employed, new to Canada
- Mortgage approval in 24 hours Toronto for qualified buyers
- Yes we do give cashback on select mortgage products
- Free rate comparison — no obligation, no credit check required
Major Banks
TD, RBC, BMO, Scotiabank, CIBC, National Bank
Credit Unions
Meridian, Alterna, FirstOntario & more
Monoline Lenders
MCAP, First National, Merix & more
Private Lenders
For any credit score — equity-based approval
Get Your Best
Mortgage Rate Today
Sam shops 30+ lenders and presents you with the best options — free, no obligation.