Mortgage Broker · Toronto, Ontario

Mortgage Broker in Toronto

First condos, move-up homes, and refinances across the GTA — independent advice from a broker based right here in North York.

Toronto is one of the toughest markets in Canada to buy in — high prices, bidding wars, and a land transfer tax on top. Based in North York, I help buyers across the GTA turn a ‘maybe’ into an approval, and help owners refinance or renew on better terms. I shop 70+ lenders so you never have to settle for your bank’s single offer.

Why work with a local mortgage broker in Toronto

In a market this expensive, the difference between lenders can be tens of thousands of dollars over your term. I compare the whole market — banks, credit unions, monoline, B, and private — to find the structure that gets you approved for the most home at the best cost, and I handle the paperwork and lender back-and-forth for you.

How I help Toronto buyers and homeowners

• First-time buyers — down payment planning, pre-approvals, and access to first-time buyer programs so you can shop with confidence.
• Self-employed & business-for-self — bank-statement and stated-income programs that qualify you on real cash flow, not just your tax return.
• Refinances & debt consolidation — roll high-interest debt into your mortgage to lower your monthly payments and free up cash flow.
• B & private lending — solutions when the bank says no: bruised credit, power-of-sale rescues, and unique income situations.
• Renewals & switches — don’t just sign the bank’s renewal letter; I’ll shop it and often beat their offer.

The Toronto market

With average prices among the highest in the country, most Toronto buyers are stretched by the stress test, and Toronto adds a municipal land transfer tax on closing on top of the provincial one (first-time buyers get a rebate on both). For self-employed buyers and anyone a bank has declined, alternative and private lenders can open doors a bank won’t. I’ll map out exactly what you can afford before you start shopping.

Tyler Salmon, Mortgage Agent Level 2, Licence #M21003803 · Tango Ontario, Licence #13691. Serving clients across Ontario and Alberta.