Your Ontario Mortgage,
Simplified

A mortgage broker acts as your personal shopper for mortgages. Unlike bank employees who only sell their own products, brokers like Monica have access to 100+ lenders and find the best rate and terms for YOUR specific situation — at no cost to you.

Yes, 100% free for you. Mortgage brokers are paid by the lenders, not the client. You get expert advice, market access, and negotiation power at zero cost. There is never any obligation to proceed.

Banks can only offer their own mortgage products. A broker shops across major banks, credit unions, monoline lenders, and private lenders to find the best fit. Brokers also handle paperwork, negotiate rates, and guide you through the entire process.

Typically: ID, proof of income (T4s, NOA, pay stubs), bank statements, employment letter, and details about the property. Self-employed applicants may need additional business documents. We'll send you a complete checklist after our first call.

Pre-approvals can often be completed within 24-48 hours. Full mortgage approvals typically take 5-10 business days depending on the lender and complexity of the file. Starting early always helps!

For the best rates, a score of 680+ is ideal. However, we work with clients across the credit spectrum. Even with bruised credit, there are lender options available. Let's discuss your specific situation.

Absolutely! We specialize in self-employed mortgages and work with lenders who understand business income, stated income programs, and alternative documentation. Don't let traditional requirements stop you.

We serve all of Ontario including Toronto, Mississauga, Brampton, Ottawa, Hamilton, London, Kitchener-Waterloo, Barrie, and everywhere in between. Virtual appointments make it easy to work together from anywhere.