Mortgage Broker Richmond Hill

As low as 2.49% Fixed

for a free consultation
  • Who We Are?
    Whether you need home equity or unsecured line of credit, a new to Canada mortgage, a self-employed mortgage, a first time home buyer or a second mortgage, our team has the experience to guide you through the process. We offer customized solutions to both commercial and individual clients in Richmond Hill, including clients with poor credit histories. We are licensed and regulated by the Financial Services Regulatory Authority of Ontario.
  • Why Trust Approved?
    You first: We put you first when it comes to negotiating with lenders, credit agencies, real estate agents, and other professionals. We work with a big pool of these professionals in Richmond Hill, which increases your chances of getting a good deal.
    Cost-saving: You save money when you hire us since we get our commission/referral fee from the lender and not from you. We also offer the initial consultation free of charge.

    Working with your own broker: We will assign a mortgage broker to you to guide you through the process, to ensure you provide the relevant documentation, and to ensure the correct accounts are paid out. This way, the process will not interfere with your work and social life and you don’t have to bother with industry jargon.

  • Something for Everyone
    Our team has many years of combined experience in all matters mortgage, allowing us to accurately determine what you qualify for, how much you can afford, and the best deals in the market. We endeavor to provide our Richmond Hill clients quick turnaround time on refinance and mortgage solutions, oftentimes getting approvals the same day you come to us. We will help you avoid the hustle of visiting and scrutinizing offers by different lenders.
    We go a step further and advise you on other matters related to mortgages and refinance. We will advise you on incentives and schemes offered by different lenders such as First Time Home Buyer’s Tax Credit, cash to cover relocation, expandable and assumable mortgages, and so much more. We will, however, ensure the incentives do not blind you from looking at the fine print. You can reach us on (416) 419-3939 to organize a free consultation.
Mortgage Offers
pick the one thats right for you.
  • get
    $ 2,000
    on purchase over
    $500, 000
  • Receive
    $ 1,400
    when you transfer
    your mortgage of over $500,000
  • complimentary
    12 months
    Home service plan
    fint out more
Purchase or Refinance
for a free consultation
  • Second Mortgage
  • Residential Mortgages
  • Commercial Mortgages
  • HOME EQUITY LINE OF CREDIT
  • New to Canada Mortgage
  • Unsecured Line of Credit
  • Self Employed Mortgage
  • Private Mortgage Lending
  • MORTGAGE REFINANCE
  • Second Mortgage
    A second mortgage allows you to borrow further on your property. The law allows you to borrow up to 80% of the appraised value of your home, less the remaining balance of your first mortgage. The interest rate for second mortgages is lower than that of credit cards and unsecured lines of credit. Our Mortgage Brokers team has the experience necessary to get you reasonable interest rates and administrative fees from lenders in Richmond Hill .



  • Residential Mortgages
    Residential mortgages are meant for those who intend to live in the houses, condos, or other properties for which they are taking a mortgage. The mortgages are government-insured for down payments of less than 20%, but the law only requires you to put down 5% as the deposit. Call us on (416) 419-3939 and we will help you get good rates and pass the pre-approval process.
  • Commercial Mortgages
    You can take a commercial mortgage to buy a real estate property for investment, for a new office/relocation, to renovate, and to develop a property in Richmond Hill. Qualification criteria include debt service coverage ratio, credit history, current business situation, and type of business. A good mortgage broker like our team of Mortgage Brokers helps you to get good interest rates and quick turnaround time hustle free.
  • HOME EQUITY LINE OF CREDIT
    A HELOC gives you a revolving line of credit which you can maintain by making interest-only payments. This and the fact that it is cheaper than credit card debt makes HELOC attractive to residents of Richmond Hill. Hiring our experienced team of Mortgage Brokers offers you convenience since you don’t need to compare interest rates and terms from different lenders.
  • New to Canada Mortgage
    Permanent Residents who have been in Canada for at least 5 years can get mortgages with a down payment of 5% (and 10% for those with no Permanent Residence status). You, however, have to meet the lender’s qualifying criteria, including a good credit score. If you don’t meet the qualifying criteria, Canada Mortgage and Housing Corporation (CMHC), Genworth Financial, and Canada Guaranty offer New to Canada mortgages. We help clients in Richmond Hill to get these mortgages at good rates.
  • Unsecured Line of Credit
    Unsecured lines of credit are usually advanced to borrowers who have a good credit rating or well-established businesses to reduce the risk of default. The interest rate is higher than with a secured line of credit. We helped residents of Richmond Hill, ON get unsecured lines of credit at good rates, with minimal fees, and in a timely manner.
  • Self Employed Mortgage
    The “gig” economy in Ontario is on the rise. To access a self-employed mortgage, the lender has to be satisfied your business is healthy enough to support the monthly repayments. Lenders in Richmond Hill request for such info as NOAs, T1s, T2s, and/or business statements. We have an experienced team of negotiators who will get the best deal for you and help you with the pre-approval process.
  • Private Mortgage Lending
    Residents of Richmond Hill who do not qualify for conventional mortgages for one reason or the other can still get their dream properties through private mortgage lenders. Private mortgages generally have shorter amortization periods and have higher interest rates. We will help you get a good interest rate, favorable processing fees and other terms, and quick turnaround time.
  • MORTGAGE REFINANCE
    The law allows you to refinance your mortgage should you choose to do so. Common reasons residents of Richmond Hill refinance their mortgages are to access equity on their homes and to get lower interest rates. Our experienced team helps clients get good terms on Home Equity Lines of Credit (HELOC), blending/extending their current mortgages, and reverse mortgages.
Banks and Mortgage Brokers
vs. RMA Mortgage
  • Big Bank Rates
    $ 706
  • Typical Broker Rates
    $ 3200
  • $ 5485
Our team consists of experienced negotiators. This and the relationships we have with different lenders allow us to get the best interest rates for you.
Featured Rates
Fixed
  • Lender
  • Rate
  • Term
  • Toronto-Dominion
    2.34%
    5 years
  • Scotiabank
    2.39%
    2 years
  • CMLS
    2.29%
    3 years
  • RFA
    2.44%
    5 years
  • First National Bank
    1.99%
    4 years
  • DUCA
    1.98%
    2 year
  • B2B
    2.84%
    2 years
  • Meridian
    2.19%
    5 years
  • RMG Mortgage
    2.29%
    5 years
  • Manulife Bank
    2.14%
    5 years
Variable
  • Lender
  • Rate
  • Home Trust
    4.49%
    5 years
  • Mcap
    2.15%
    5 years
Other
  • Type
  • Rate
  • Secured line of credit
    2.95%
  • Private mortgages
    5.99%
Questions?
We Are Here to Help
What our CLients Say
Customer Testimonials
  • Avatar Boyd Wehner ★★★★★
    I used Nick to renew my mortgage. He found me a better deal than my bank could offer and I intend to use him again the next time I need to renew. Nick did all the work, he made it easy and simple for me. He really knows his stuff!
  • Avatar Nicole B. ★★★★★
    I have been dealing with Masoud for my first mortgage back in 2016 and my second mortgage in 2019. He has always been of great help and easy access. He is the first person I go to with regards to mortgage questions. Keep up the good work guys!!
  • Avatar kit cathe ★★★★★
    Working with Masoud was a great experience. We learned about mortgage options that were new to us as we were first-time buyers. Knowledgeable and helpful with no pressure, we were able to make an informed decision that worked out very well for our needs.
  • Avatar David Smith ★★★★★
    I can't recommend Masoud enough if you need a mortgage, a renewal, or even help getting to that point. He is extremely knowledgeable and resourceful and works incredibly hard for his clients! He’s done our first mortgage in 2014, refinance in 2028 and now our second mortgage this winter.
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Across Toronto
…we offer a piece of mind when it comes to your mortgage needs every single time.