Mortgage Broker · Ontario

Mortgage Broker in Ontario

From first homes in the GTA to refinances in cottage country — independent mortgage advice across Ontario, from a broker who works for you, not the bank.

Ontario is home to some of the most competitive — and expensive — housing markets in Canada. Whether you’re buying your first condo in the GTA, refinancing to consolidate debt, or purchasing an investment property up north, the right mortgage makes all the difference. As an independent mortgage agent licensed in Ontario, I compare 70+ lenders to find the fit for your situation.

Why work with a local mortgage broker in Ontario

Your bank can only offer its own products. I compare dozens of lenders — big banks, credit unions, monoline lenders, plus B and private options — and match you to the one that actually fits your income, credit, and goals. That means more options, sharper pricing, and real solutions when a bank turns you down. On most files I’m paid by the lender, so my advice usually costs you nothing.

How I help Ontario 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 Ontario market

From Toronto’s million-dollar market to more affordable pockets in Eastern and Northern Ontario, prices vary widely across the province. Ontario also charges a provincial land transfer tax (with a second municipal tax in Toronto), and the federal stress test applies everywhere — so knowing your true budget up front matters. I’ll help you factor in every cost before you make an offer.

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