Mortgage Broker Serving Ontario
Ontario is where most of my clients are, and Ontario has its own quirks — from land transfer tax to the regulatory framework brokers work under.
The short answer
Mortgage brokers in Ontario are licensed and regulated by FSRA (the Financial Services Regulatory Authority of Ontario) and must be authorised through a licensed brokerage. Ontario borrowers pay provincial land transfer tax on purchases, with an additional municipal land transfer tax in Toronto, and refinances are capped at 80% of appraised value as they are across Canada.
What's specific to Ontario borrowers
- Provincial land transfer tax on purchases, with first-time buyer rebates available to those who qualify.
- A deep lender pool — big banks, credit unions, monoline lenders and alternative lenders all compete here.
- Strong equity positions in many established markets, which makes consolidation a realistic option for homeowners who feel stuck.
- Broker activity in Ontario is regulated by FSRA, and every deal runs through a licensed brokerage — mine is Pineapple Financial Inc.
Who I typically work with here
Homeowners carrying credit card and line of credit balances after a stretch of higher rates. People renewing off a low pandemic-era rate and facing a payment jump. Self-employed borrowers whose tax returns don't tell the whole story. First-time buyers who want a straight answer about what they can actually afford.
Common questions
Do I have to meet in person?
No. Ontario files are routinely completed by video call, phone and secure document upload, with a lawyer handling signing. In-person works too if you'd rather.
Does a mortgage broker cost me anything in Ontario?
On standard residential deals with prime lenders, the lender pays the broker. If a file requires an alternative or private solution where a fee applies, that fee is disclosed in writing before you commit — always.
What could refinancing actually look like for you?
Enter 5 numbers. We estimate your available equity, your new mortgage payment at 5% over 30 years, and the monthly cash-flow difference.
Fixed for this scenario
- 5%
- New rate
- 30 yrs
- Amortization
Your Estimated Scenario
Read this before you celebrate a lower payment
A lower monthly payment does not always mean lower total interest. Stretching short-term debt over 30 years can cost more over time even when the monthly number improves — that trade-off is the conversation.
This is an illustration, not a mortgage approval or financial recommendation. Actual results depend on interest rates, penalties, lender guidelines, qualification and your full financial situation.
I shop your mortgage across 30+ lenders — banks, monolines and private
One application, compared across lenders. You are not stuck with your bank's answer.
Start the conversation
Tell me a little about your situation and I'll come back with the honest version — including whether waiting is the smarter move.
Step 1 of 3
Get your personalised plan
Three quick steps. No credit check, no application, no obligation — just a clear read on your options.
Not sure which option fits your situation?
Bring your numbers — mortgage balance, balances you're carrying, and what's stressing you out. I'll walk you through what's realistic, including when doing nothing is the better call.