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Mortgage & Refinance

Mortgage & Refinance Mortgage & Refinance Mortgage & Refinance

Mortgage & Refinance

Mortgage & Refinance Mortgage & Refinance Mortgage & Refinance
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Get the Mortgage & Refinance options you need! - Ontario Wide

We work for you, not the lender.

Toronto Mortgage Broker

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Get the Mortgage & Refinance options you need! - Ontario Wide

We work for you, not the lender.

Toronto Mortgage Broker

Toronto Mortgage BrokerToronto Mortgage BrokerToronto Mortgage Broker
Let's Talk
Call us Today!

Mortgage & Refinance Services in Toronto

With the wide variety of options available today, your Mortgage Broker can assist with all your mortgage needs! Free of Charge!* O.A.C. Your Mortgage Broker works for you, not the lenders. We serve Ontario wide, not only Toronto!


  • Residential, investment, and commercial real estate
  • First Time Home Buyer Program
  • 1st, 2nd, & 3rd mortgages
  • Five Percent Down Mortgages
  • Debt consolidation
  • Bad Credit Mortgages
  • Private Mortgages
  • Investment Properties
  • Self employed
  • New to Canada
  • Mortgage Equity Take Out
  • Construction Loans
  • Franchise Loans
  • Buying a New Business
  • Consumer Proposal Mortgages
  • Any difficult situations
  • The real estate buying and selling process
  • Or any other Mortgage need you have

Click the button below to fill out the Form, & have one of our care specialists get in touch with you today!

Get in Touch!
Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

Why Choose Us?

  •  Access to top Leading institutions & products
  • Find you the best rates, may be better then banking rates
  • Keep your needs top of mind
  • Always available to answer all your questions
  • One person to shop 50+ rates for you
  • No obligation! Give us a call today


Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

You Choose the Amount

Your in control! You don't hear that often in this industry. We keep your financial interests top of mind. You tell us how much you need for your mortgage or refinance, and your mortgage broker can show you how it can be done.

Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

Unique options Tailored For You

We know everyone is different. Your mortgage broker works with you, to find the solution that best fits your needs. Whether it is a simple renewal, private mortgage, debt consolidation, self employed, mortgage refinance, or new to Canada. We are here to help! Reach out to us today. 

Mortgage Broker Refinance Refinancing Mortgages Home Loan Home Equity Take Out HETO HELOC Equity

Why use a Mortgage Broker?

Calling your mortgage broker is like calling over 50 different Banks, Credit Unions, and Trust Companies. We do all the heavy lifting for you! We have access to interest rates, the banks don't want you to know about. Regardless of refinance, renewal or a new purchase. We secure the rates for our clients.

Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

Ontario Wide Service

We are licensed to serve you Ontario Wide. With offices based in the Greater Toronto Area, your Mortgage Broker have lenders that can fund property deals anywhere in Ontario. New mortgage and refinance. Residential, Commercial, new builds, vacant land purchases, & many more. Talk to us today to find out more! Remote services available.

Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

Ready to see how much your payments could be?

Try out the mortgage calculator today. Click the button below to go to the calculator and try a few potential scenarios. 

Mortgage Calculator
Refinance Mortgage Toronto, Refinance Your Home in Toronto, Refinance Mortgage Service in Toronto

Get Approved Today!

Get approved for a mortgage in less then 24 hours! Fill out the form if you are also looking for a renewal or have any other mortgage needs. Click the link below to fill out the form and one of our specialists will be in touch soon.

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How does the mortgage process work?

Mortgage Guides

Mortgage Terms

First time buyer

First time buyer

Learn more about mortgage & refinance today. Click below to read now.

Learn Now

First time buyer

First time buyer

First time buyer

Learn about the 5% down payment program and other first time home buyer programs available for you today.

5% down mortgage

Credit Issues?

First time buyer

Credit Issues?

Your mortgage broker can take care of almost any situation possible. Find out more!

Bad Credit Mortgage

Your Credit Report

Your Credit Report

Your Credit Report

Learn more about your credit report and what goes into it. The credit bureaus and dispute process.

Credit Report

Home Equity

Your Credit Report

Your Credit Report

Find out how to access your home equity. The available options to you.

Access Home Equity

2nd Mortgages

Your Credit Report

2nd Mortgages

Learn the options you have with second mortgages and what that can unlock for you.

Second Mortgage

Closed Mortgage

Fixed Rate Closed Mortgage

Fixed Rate Closed Mortgage

A mortgage that has restrictions as per the principal repayment, and when you can pay it off. Usually has better mortgage rates when compared to an open mortgage. This is because the lender is sure they will earn as per the contract terms and there are penalties if paying off before term ends. This mortgage can only be renegotiated, prepaid, or refinanced in accordance with its conditions.

Fixed Rate Closed Mortgage

Fixed Rate Closed Mortgage

Fixed Rate Closed Mortgage

Get peace of mind knowing that your interest rate won't rise during the term you choose. A fixed rate mortgage delivers stability, and with it, peace of mind. You can be sure that your interest rate won't change for the duration of the term once you've chosen it. The term length options are 6 months, 1, 2, 3, 4, 5, 6, 7 or 10 years.

Open vs Closed Mortgage

Fixed Rate Closed Mortgage

Open vs Closed Mortgage

The ability to pay off the mortgage during the term is the major distinction between the two. Your mortgage broker tries to assist if you're unsure about which mortgage package is best for you. If you're considering buying a property, learn about the distinctions between these two types of mortgage programs, compare open and closed mortgage, and seek the advice of your mortgage broker. 

Open Mortgage

Mortgage Amortization

Open vs Closed Mortgage

A mortgage that has flexibility to make free principal repayments on your mortgage at any time. beyond your fundamental payment schedule. Make sporadic prepayments whenever you wish without incurring any fees. You can switch to a closed mortgage whenever you'd like,  if you realize that you're not taking use of the opportunity to make additional payments.

Mortgage Amortization

Mortgage Amortization

Mortgage Amortization

The mortgage amortization period is based on the belief that the interest rate and monthly payments won't change. Since the mortgage is paid off over a longer period of time with a longer amortization period, the mortgage payments are reduced. In contrast to a shorter amortization term, a longer amortization period will need more interest payments throughout the course of the loan because less principal will be paid off with each payment.

Mortgage Renewals

Mortgage Amortization

Mortgage Amortization

Many homeowners believe it is best to continue doing business with the bank or lender who issued their initial mortgage. This is frequently not the case. It is recommended to have your mortgage broker check the current lender products, and see if there any better rates available. This is done at no cost to you,  the borrower. Reach out to us today to have a comprehensive review of your mortgage options!

Variable Interest Rate

Convertible Term Mortgage

Variable Interest Rate

With a variable rate mortgage, the interest rate might alter in accordance with the lender's prime lending rate. If interest rates fall, you'll pay more toward your principle and less toward interest on a variable mortgage, but your monthly payment amount will remain the same.

Fixed Interest Rate

Convertible Term Mortgage

Variable Interest Rate

When your interest rate is fixed with a fixed rate mortgage, you can plan your finances with confidence. Your interest rate and your set monthly payments would remain the same even if interest rates increased.

Convertible Term Mortgage

Convertible Term Mortgage

Convertible Term Mortgage

A convertible term mortgage allows for the extension of some shorter-term mortgage to longer terms. It is usual for the interest rate to vary once the mortgage is converted or extended. The lender will often provide the new interest rate for the extended duration.

Adjustable Rate Mortgage

Adjustable vs Variable Mortgage

Convertible Term Mortgage

The most common mortgage. This is a version of a variable rate mortgage. Your normal mortgage payment fluctuates in tandem with fluctuations in the lender's prime rate. As the prime rate rises, your mortgage payment may go up or down. This is the kind of mortgage you have if you noticed an increase in your payment during the most recent rate increases.

Adjustable vs Variable Mortgage

Adjustable vs Variable Mortgage

Adjustable vs Variable Mortgage

The main difference between an Adjustable Rate Mortgage and a Variable rate is, in a Variable the monthly payment stays the same. But the allocation towards interest and principal may differ. While in an Adjustable Rate, your mortgage payment will fluctuate as interest rate's with your lender change.

Trigger Rate

Adjustable vs Variable Mortgage

Adjustable vs Variable Mortgage

The trigger rate is the point at which the monthly mortgage payments are insufficient to pay the interest that has accumulated. The variable rate's interest rates have risen so high that the entire payment is allocated to paying interest and nothing to cover the principal. In other words the principal is not being paid down.

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Time Financial Group

100 Matheson Boulevard East Unit 102, Mississauga, Ontario L4Z 2G7, Canada

Anuu Logan - (416)418-2089

Frequently Asked Questions

Please reach us at (416)418-2089, if you cannot find an answer to your question.

Using a mortgage broker is almost as similar as using an insurance broker to shop around rates for you. You fill out the application and answer all necessary questions, and we do all the hard work for you! We have access to over 50 lenders and may be able to beat the rates offered by the banks!

There is no cost to filling out an application and speaking with a mortgage broker. In certain instances there may be of costs. This could be in certain difficult situations such as prior bankruptcy, consumer proposal,  or private mortgages. Feel free to reach out today! This will be a transparent process and you will be told upfront if there is any fee required. The fees will be taken ONLY if the mortgage is funded under these circumstances and you were aware of it.

In essence, we handle all the challenging procedures involved in obtaining a sizable loan from our lenders. Before a lender will even consider loaning you money, dozens of documentation must be obtained, confirmed, and provided. We package together your entire financial status for our lenders to understand in order to expedite your approval and property purchase.

The access to lenders is the main distinction between a mortgage broker and a bank. Mortgage brokers can look around for the best rates available, including those at the big banks, however the banks will only give you prices and services supplied within their corporate structure.

A homeownership opportunity exists for everyone, giving them access to the housing market. Calculating your numbers and determining our choices must come first. We have connections with credit unions and private lenders who will approve you with less stringent debt service ratios and a lower credit score. If not, we can cooperate to improve your financial status and secure your mortgage approval.

Mortgage refinancing is the process of replacing an old loan with a new one. Homeowners do this in order to access their home's equity, consolidate debt, switch mortgage products, or take advantage of a reduced interest rate. As long as your home has at least 20% equity, you can refinance (possible exemptions on this with some creative financing). Refinancing can result in thousands of dollars in cost savings over the life of your mortgage if done wisely. A lower interest rate indicates that a greater percentage of each payment is allocated to the principle if you maintain the same monthly payment plan. This not only helps you save money, but it might also shorten the amortization period by many years. Some of the main reasons people refinance their mortgage is to consolidate debt, take advantage of lower interest rates, or access equity in their home. There is no reason needed to refinance your current mortgage.

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  • First Time Home Buyer
  • Second Mortgage
  • Private Mortgage
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  • Home Equity HETO HELOC
  • Your Credit Report
  • Mortgage Affordability
  • Frequently Asked Question
  • Apply for a Pre-Approval
  • My Account
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Mortgage & Refinance services

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Call Your mortgage broker today! (416)418-2089

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