Everything Mortgages

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Everything Mortgages Toronto Mortgage Brokerage, LIC # 12755 We're in the business of helping Canadians achieve their goals.

What drives our motivation to succeed is not the loan we secure but the difference we make. Whether it’s helping the first-time home buyer purchase their first home, the small business owner looking for a better solution or the hardworking professional break free from high-interest debt, we work hard to help you become mortgage-free sooner and build wealth creation faster. It’s the people who would otherwise be denied, forgotten or refused that drive our motivation to succeed.

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Products:
Residential Mortgages, Private Mortgages, Purchase Financing, Refinancing, Mortgage Consulting and Planning. Over 9 years of mortgage underwriting experience with leading lenders in Canada. We specialize in:
Investment Property Financings, Self Employed Clients Financing, New Immigrant Financing, Refinance and Debt consolidation Financings. Our team of mortgage experts are ready to help find the financing solution that is right for you.

Does your mortgage payment include property taxes? Some lenders collect them with your regular payment, while other arra...
10/16/2026

Does your mortgage payment include property taxes? Some lenders collect them with your regular payment, while other arrangements leave you paying the municipality separately. Collection through the lender may be a condition of financing. We check the payment breakdown before comparing options, so your budget includes the bills outside the mortgage withdrawal too. Ask who will pay the municipality and how the tax amount is collected. Save this for your next mortgage comparison.

Everything Mortgages | Mortgage Brokerage Licence #12755

Moving home? Check whether your mortgage can come with you.Porting may preserve your existing rate and terms, but eligib...
10/06/2026

Moving home? Check whether your mortgage can come with you.

Porting may preserve your existing rate and terms, but eligibility and restrictions depend on your lender. If you need more borrowing, ask how it will be arranged. Buying a home below your mortgage balance may also mean a prepayment penalty. We review the conditions before you rely on portability in your moving budget.

Message us MOVE to discuss your options.

Everything Mortgages | Mortgage Brokerage Licence #12755

Your home may be your largest asset while your retirement budget feels tight.A reverse mortgage may let an eligible home...
09/20/2026

Your home may be your largest asset while your retirement budget feels tight.

A reverse mortgage may let an eligible homeowner access some of that equity without selling. Products are generally aimed at homeowners aged 55 and older.

You keep ownership. Interest and fees still apply, and obligations such as property taxes, insurance and maintenance continue. Repayment is generally triggered by a sale, a permanent move, the last borrower's death or default, subject to the contract.

At Everything Mortgages, we can help compare reverse-mortgage options, including CHIP/HomeEquity Bank and Equitable Bank, with other suitable ways to meet your needs.

DM RETIRE to talk it through.

Everything Mortgages — Brokerage Lic # 12755

Eligibility, borrowing amounts and terms vary. Unpaid interest increases the debt and can reduce the equity remaining in your home.

A bank decline may leave you with other options.Some private mortgage programs place more weight on the property and ava...
09/18/2026

A bank decline may leave you with other options.

Some private mortgage programs place more weight on the property and available equity, with flexible income documentation or credit requirements.

We still need to understand the costs you can manage and how the mortgage will be repaid. Private loans can carry higher rates and fees. Interest-only payments do not reduce the principal, and renewal is not guaranteed.

At Everything Mortgages, we compare suitable options, including whether to refinance the first mortgage or consider a second. Having 20% equity or a 20% down payment does not guarantee approval.

DM EQUITY for a private conversation.

Everything Mortgages — Brokerage Lic # 12755

Subject to property review, lender criteria and approval. Failure to meet mortgage obligations can put your home at risk.

Canada's employment fell by 42,000 in August, while unemployment held at 6.4%, according to Statistics Canada's Septembe...
09/17/2026

Canada's employment fell by 42,000 in August, while unemployment held at 6.4%, according to Statistics Canada's September 4 release.

For your mortgage, we need to understand your own situation: what changed, what you earn now and how you can document it.

Moving from salary to contract work, losing overtime or starting a business can change the assessment. Tell your mortgage professional promptly if your circumstances change during an application.

At Everything Mortgages, we can review the timing and compare suitable lender options. If payments are becoming difficult, contact your current lender early too.

DM PLAN to start privately.

Everything Mortgages — Brokerage Lic # 12755

Financing depends on individual circumstances and lender approval.

The Bank of Canada held its policy rate at 2.25% on September 2. That number is not the rate a borrower is automatically...
09/16/2026

The Bank of Canada held its policy rate at 2.25% on September 2. That number is not the rate a borrower is automatically offered.

The Bank's September 9 data showed a typical major-bank prime rate of 4.45%. Each lender sets its own prime rate, and your mortgage contract determines how it applies to you.

If you're renewing, look at the payment you can sustain, the term and the cost of making changes. For business owners with uneven monthly income, that budget conversation matters as much as the headline.

DM RENEW to compare your options.

Everything Mortgages — Brokerage Lic # 12755

Figures are dated market information, not a mortgage quote. Sources: Bank of Canada, September 2 and September 9, 2026. Individual rates and eligibility vary.

You run a business. You pay yourself in a way that works for that business. Then a mortgage application asks for a strai...
09/15/2026

You run a business. You pay yourself in a way that works for that business. Then a mortgage application asks for a straightforward salary.

That mismatch deserves a proper review.

Some lenders offer self-employed mortgage programs that consider business income beyond a conventional salary. The documents and qualifying approach vary, and business revenue is not the same as personal income available to make mortgage payments.

At Everything Mortgages, we review the business picture and compare suitable options across our lender network, including prime and alternative programs.

DM BUSINESS to start a conversation about your purchase, renewal or refinance.

Everything Mortgages — Brokerage Lic # 12755

Subject to lender approval and eligibility. Rates, fees and documentation vary.

📈 Home Prices Hit All-Time High—Here's What to Do About ItThe median home price just hit $440,600 nationally (June 2026)...
07/22/2026

📈 Home Prices Hit All-Time High—Here's What to Do About It

The median home price just hit $440,600 nationally (June 2026). Inventory is still tight. If you've been on the fence, here's the reality: waiting for both rates and prices to drop is a double bet you'll likely lose.

Let's talk strategy 👇

Why Aren't Your Mortgage Rates Budging?June inflation came in at 3.5% annually—still well above the Fed's 2% target. 🔥 I...
07/17/2026

Why Aren't Your Mortgage Rates Budging?

June inflation came in at 3.5% annually—still well above the Fed's 2% target.

🔥 Inflation is cooling...but not fast enough. That's why mortgage rates are stuck in the mid-6% range. Energy prices, geopolitical tensions, and stubborn price pressures are keeping lenders cautious.

Here's what that means for your homebuying timeline -->

07/01/2026

True North Strong and Free 🇨🇦

Happy Canada Day

Address

Suite 307/18 Wynford Drive
Toronto, ON
M3C3S2

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14168406368

Website

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