Key Features

Our Featured Services

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First Time Home Buyer Incentive

Purchase Quiz in 1 Minute
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Mortgage Refinance Calculator

Refinance Quiz in 1 Minute
Who We Are

Our Mission & Core Values

Transforming Financial Fears into Home Cheers.

Exceptional Customer Service
Unwavering Application Dedication
Mastery in Mortgage Solutions
Unyielding Integrity & Fairness

28

Years of Experience

57

Lenders Network

4K

Happy Clients

What We Offer

Our Core Services

Purchase Your Home

Please locate the following documents in support of your mortgage application, and have them on hand:

  • Proof of income - an updated employment letter, two recent paystubs, the latest 2-year T4.
  • Proof of your ability to make a down payment with a 90-day history.
  • Two government IDs, including one photo ID.


Purchase Quiz in 1 Minute
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Refinance

The Four Main Benefits for Refinance Your Mortgage include:

1. One easy monthly payment relieves much pressure from making 7 or 8 debt payments.
2. Tap into the money accrued in your home for making stock, RRSP, or rental property investments.
3. Take out equity from your home to help fund the university education of your beloved children and grandchildren.
4. Prolong your amortization to improve monthly cash flow.

Refinance Quiz in 1 Minute
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Switch/Transfer

About 70% of homeowners sending the mortgage renewal forms back to their existing lenders without asking any questions!

Maybe your mortgage needs have changed - this is the time to decide.

This is where an independent mortgage professional like me can offer helpful advice and options to help you get ahead!

Switch/ Transfer Quiz in 1 Minute
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Reverse Mortgage

Reverse Mortgages help homeowners ages 55 years old and above:

1. Pay off your mortgage and personal loans
2. Handle unexpected expenses
3. Help children or grandchildren pay for their education
4. Enjoy a vacation
5. Improve your monthly cash flow.

The beauty of Reverse Mortgages is that you maintain your standard of living, without mortgage payments and selling your home.

Reference: Reverse Mortgage Website

Reverse Mortgage Quiz in 1 Minute
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Second or Private Mortgage

Second Mortgages - with Reputable Trusts

A second mortgage gives you easy and convenient access to the equity in your home without having to refinance your current mortgage - saving you thousands-of-dollars in penalties.

Private Mortgages

We have access to private first and second mortgage funds to help you close your property purchase, consolidate your debts, make available of emergency funds, with minimal income proof.
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Chinese Clients 国 粵 語

郭泽文先生,按揭贷款经纪人 CPA MBA MA

服务大多市 27 年:包括 18 年在四大银行,及八年作 Mortgage Broker。

一按, HELOC 、二按、加按、转按、私按。

高净资产人士房贷,新移民,非加拿大居民,商业物业贷款。

自僱人士提供报税以外收入證明。

普通话,廣東話,英文,可致电、电邮,短訉,WhatsApp,WeChat 沟通。 Read More
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Client's Love

People Are Saying About Us

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Current Rates Mortgage & Payment Calculator Ontario

Discover your borrowing potential—utilize Payment Calculator Ontario & My Mortgage App to estimate monthly payments.

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57 Lenders Network

Providing expert solutions across a wide range of lending programs.

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First Time Home Buyer Video

Exploring the First Time Home Buyer Incentive with the GTA's Mortgage Broker

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Maurice Kwok 郭泽文 (国粵語), CPA MBA MA

Over 4,000 Mortgages Funded in the GTA Since 1995

Recently Funded Mortgages

by Top-Tier Mortgage Broker in Toronto Ontario

Brief Details
Our Strategic Plan

Here Is Our Roadmap: The 3C's

Communication

Discuss your needs, constraints, and objectives. We'll keep you updated at each stage.

Comprehensive Market Analysis

We scour the market to identify the optimal solution for your unique financial needs.

Convenience

Enjoy a seamless online application process that's both quick and secure.

Mortgage calculator
News & Blog

Mortgage News Canada

2024 Canada Housing Budget
Canadian Real Estate

2024 Canada Housing Budget: Explore Beneficial New Policies Affecting You

2024 Canada Housing Budget: A Closer Look at New Policies and their Impact

10 Steps for Homebuying Process
Canadian Real Estate

Homebuying Simplified: Unlock 10 Essential Steps to Your Dream Home

Understandably, starting the homebuying journey can be overwhelming and stressful. But with a

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Connect With Us

Your Ultimate Mortgage Broker Guide

    FAQ

    Need Our Mortgage Advice?

    Prime Lenders:
    For high-ratio mortgages, your Gross Debts Service (GDS) ratio needs to be within 39.0% and Total Debts Service (TDS) ratio within 44.0%. Your credit score should be over 680.

    Alternate Lenders:
    For conventional (20% or more down payment) mortgages, alternate (or called “B”) lenders offer more flexibility. Please let us guide you.

    For Purchase
    1. Good credit score (650 to 680+) for prime lenders.
    2. Proof of down payment with a 90-day history. 3.Gross Debts Service (GDS) ratio within 39%, and Total Debts Service (TDS) ratio within 44.0%.

    For Refinance or Switching Lenders
    1. Some flexibility if dealing with credit unions, which could have no Stress Test.
    2. Even more flexibility if dealing with alternate “B” lenders.

    The key is to get you approved!
    Talk with us, your Toronto Mortgage Broker!

    Prime Lenders:
    Purchase – 680 and above
    Refinance – 650 and above
    Switch – 650 and above

    Alternate Lenders:
    Can be a much lower credit score

    Fixed Rate Mortgage:
    Pros – Lock in the mortgage rate and monthly mortgage payments; no negative surprises.
    Cons – Beware of a large penalty in breaking the mortgage; lacks flexibility.

    Variable Rate Mortgage:
    Pros – Good for self-employed homebuyers, you can cancel the mortgage anytime with limited penalty.
    Cons – Not the best product in a high inflation with rising interest rates; significant increase in the monthly mortgage payment.

    Get A Weekly Rate Monitor