Canada's Smartest
Mortgage Solutions
Licensed Mortgage Agent Level 2 with access to 30+ lenders including A lenders, B lenders, and private lenders. Whether you're buying, refinancing, or have been declined elsewhere — we find a path forward.
30+
Lenders
24hr
Approvals
0
Upfront Fees
A+B+P
Lender Types
Get Your Mortgage Quote
Free, no-obligation consultation with Sam
Today's Best Mortgage Rates
Exclusive broker rates — not available directly from lenders
Bank vs Broker Rate Comparison
Rates sourced from Ratehub.ca — April 2026. OAC.
| Lender | Type | 3-Yr Fixed | 5-Yr Fixed | Variable | Access |
|---|---|---|---|---|---|
TD Bank | Big 6 Bank | 4.99% | 4.89% | 4.24% | Direct |
RBC Royal Bank | Big 6 Bank | 4.94% | 4.59% | 3.95% | Direct |
BMO | Big 6 Bank | 5.04% | 4.49% | 4.15% | Direct |
Scotiabank | Big 6 Bank | 5.09% | 4.94% | 4.90% | Direct |
First NationalBest Value | Monoline | 4.44% | 4.14% | 3.55% | Via Sam |
MCAPBest Value | Monoline | 4.49% | 4.19% | 3.60% | Via Sam |
Merix FinancialBest Value | Monoline | 4.39% | 4.09% | 3.45% | Via Sam |
Equitable Bank | B Lender | 5.74% | 5.49% | 5.45% | Via Sam |
Rates as of April 2, 2026. OAC. Subject to change. Sourced from Ratehub.ca.
View full rate comparison →* Rates shown are for insured mortgages. OAC. Subject to change without notice. Last updated: April 2, 2026.
What We Offer
Every Mortgage Solution, Under One Roof
Residential Purchase
Get pre-approved and funded fast for your new home purchase anywhere in Ontario
Mortgage Refinance
Access your home equity to consolidate debt, invest, or fund renovations at lower rates
Mortgage Renewal
Don't auto-renew with your bank — shop the market and save thousands
Bad Credit / Bruised Credit
Past bankruptcy, consumer proposal, or missed payments? We still find solutions
Self-Employed Mortgages
Declared income, stated income, or bank statement mortgage programs
New to Canada
Newcomer mortgage programs with as little as 5% down — no Canadian credit history required
Commercial Mortgages
Office, retail, industrial, and mixed-use properties up to $25M+
Bridge Financing
Short-term bridging when your purchase closes before your sale
Construction Financing
Draw mortgages and construction loans for new builds and major renovations
Our Lending Network
30+ Lenders — A, B & Private
A Lenders
Big 6 banks, credit unions — best rates for strong applications
TD, RBC, BMO, CIBC, Scotiabank, Meridian, FirstOntario
B Lenders
Alternative lenders for self-employed, new-to-Canada, or bruised credit
Home Trust, Equitable Bank, CMLS, Street Capital
Private Lenders
Short-term solutions — last resort or bridge financing
MICs, individual investors, trust companies
FAQ
Common Mortgage Questions
Ready to Find Your
Best Mortgage Rate?
Sam will personally review your situation and find the best lending option — no matter your credit or income type.