We fund your future!​

Key Features

Our Featured Services


Home Purchase: We'll Lock In the Best Interest Rate For You

Purchase Quiz in 1 Minute

Refinancing: Use The Money In Your Home Wisely

Refinance Quiz in 1 Minute

Renewal: Get Better Interest Rate for Your Mortgage

Switch /Transfer Quiz in 1 Minute
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


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


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

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.

Reverse Mortgage Quiz in 1 Minute

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.

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。



普通话,廣東話,英文,可致电、电邮,短訉,WhatsApp,WeChat 沟通。 .
Who We Are

Our Mission & Four Core Values

We help our clients fund their futures and achieve financial sustainability and success.

Unrivaled Customer Experience
Striving for Excellence
Ownership of Every Mortgage
Unquestionable Integrity


Years Of Experience


Lenders We Deal With


Happy Clients


Mortgage Rates & Mortgage Calculator

Do you know how much you are qualified for? Use our Calculator to work out monthly payment.

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57 Lenders & Mortgage Programs

We offer expert solutions from a wealth of lending programs.

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First Time Home Buyer Video

Get yourself educated and updated with short videos for first time home buyer.

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Maurice Kwok 郭泽文(国粵語), MBA CPA MA

We funded over 4,000 mortgages in the Greater Toronto Area.
Client's Love

People Are Saying About Us

Recently Funded Mortgages

See the mortgages we have successfully funded

Brief Details
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Here Is Our Roadmap: The 3C's

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Tell us your needs, concerns, constrains, and goal. We will keep you updated with the status.

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Comparing the Entire Market

We will research the market to find the best solution for your unique financial needs.

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The entire application process can be done online. Fast and safe!

Mortgage calculator
News & Blog

Canada Mortgage

Mortgage debt a ‘ticking time bomb’ as renewals come up, economists warn
Mortgage Tips

Mortgage debt a ‘ticking time bomb’ as renewals come up, economists warn

Mortgage Debt Economists at Desjardins Capital Markets have issued a dark warning about how much more damage high

Buy your home if you are ready. Homeownership is better than renting.
Canadian Real Estate

How Much Mortgage Can You Afford to Buy Your 1st Home?

An important and sometimes challenging topic for those looking to buy is how much they can afford to

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Your Toronto Mortgage Broker


    Need Help? Read the Frequently Asked Questions

    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