New Home

/Investment

Mortgage

Buying your First Home or an Investment Property,

We have you Covered!

First-Time & Move-Up Home Buyers

New Purchase

Secure the keys to your home with expert, regulation-ready guidance.

Minimum Down

Payment Clarity

5% on the first $500,000
10% on the portion between $500,001 to $1.5M
20% on homes $1 M+ (not CMHC-insurable)

Stress-Test

Success

We pre-qualify you at the higher of the contract rate + 2% or the benchmark rate, so there

are no last-minute denials.

Insurance &

Incentives

CMHC/Sagen/Canada Guaranty coverage up to $1.5M with <20% down, plus guidance on

the FHSA, Home Buyers Plan (HBP), and up to $4,000 Ontario Land Transfer Tax rebate.

Rate-Hold

Advantage

Lock today’s rate for up to 120 days while you shop at no cost.

Full-Service Closing

We coordinate appraisals, lawyers, and title insurance, keeping your move-in date on track.

Quick Tip

Pair your FHSA and HBP withdrawals to boost your down payment without triggering tax.

New Low Mortgage Rates Everyday

Expand your portfolio—compliantly and profitably—from Windsor to Ottawa.

Investment/ Second Home

Down Payment Rules

20 % minimum on 1–2 unit rentals
25 %+ on 3–6 unit properties

CMHC insurance is unavailable unless you occupy a unit (in which case as low as 5 % is possible).

Rental-Income Utilization

Up to 80% of market rent can be added to your income for

qualification-maximizing power.

Product Flexibility

Access conventional, B-lender, and private options (interest-only, variable, or short-term) tailored to cash-flow goals.

Cost & Tax Transparency

We itemize Ontario Land Transfer Tax, potential Non-Resident Speculation Tax, HST on new builds, and amortization impacts—before you commit.

Refinance & Equity-Pull Strategy

Post-closing, we monitor equity growth and rates, ready to refinance when it makes sense to fund your next purchase.

Quick Tip

Buying a property built after 1974? Some lenders waive the rental-offset cap if the unit is separately metered—ask us how.

Working for you, not

the Banks

Markets Served: Serving Toronto and Surrounding Area

Serving Toronto and surrounding areas, I provide expert Mortgage solutions purchases, refinances, renewals, and more. Get a free quote today and experience service focused on your goals, not the lenders

Our Process

Offer-Time Advisory

We review your deal. projected rents and closing costs before you sign.

Funding & Beyond

We liase with appraisers lawyers and insurers. then stay on-call to optimize relis and additional purchases.

Pre-approval

Receive a written ratehold and max purchase price within 24hours.

How it works?

Pre-approval

Offer-Time

Advisory

Funding & Beyond

What do People say to us?

★ ★ ★ ★ ★

I would just like to personally thank you in regards to our latest Mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again.

Karen

★ ★ ★ ★ ★

The automation capabilities are incredible. We've saved countless hours and Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze! improved our customer engagement significantly.

Mina

★ ★ ★ ★ ★

I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.

Samir

★ ★ ★ ★ ★

Got me a mortgage when all other places rejected me. Ben worked tirelessly to get me approved. Will always be grateful for their help! A+++

Mohammad Hendesi

★ ★ ★ ★ ★

Highly recommended! They have unbelievable expertise in tax diversification. Miibroker provided asset protection and liquidity options that our traditional bank had never even mentioned to us. A total game-changer for our portfolio.

Kekzky 24

★ ★ ★ ★ ★

Transparent, quick, and highly reliable. There are no hidden surprises or unnecessary delays with Miibroker, which is exactly what I was looking for. It's a solid, trustworthy platform that gets the job done right.