Best Mortgage Rates – Mortgage Brokers 2017-10-27T14:43:34+00:00

A Better Mortgage Experience
Than You Will
Get Anywhere Else

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APPLY on-line

Paul Meredith - Mortgage Brokers

A Better Mortgage Experience Than
You Will Get Anywhere Else

apply on-line
learn more

I’ve Purchased
A Home

I Need The Best Mortgage Rates!

Let’s get it done!

My Mortgage is Up
For Renewal

I deserve a better deal!

Start Here

I’m About To Buy
A Home

How Much Do I Qualify for?

Get Advice Now

Need Cash?
Own Your House?

We’ll Make This Easy For You.

Get Started

As seen on:

I’ve Purchased A Home. I Need a Mortgage! Get Qualified In Less Than 6 hours!

Whether You Have  20% Down Or Only 5%, We Can Get You The Lowest Mortgage Rates

Here are the facts:

Providing you have decent credit, you can buy a house in Ontario with as little as 5% down… as long as it’s not an income property.  You can buy your primary residence, a second home for a relative, a home for your kids, a cottage, etc… all with as little as 5% down.

Let’s explain how it works:

  • You need 5% on a home valued up to 500K
  • For higher valued homes, you’ll need 10% for the amount over and above 500K.
  • Anything over 1 million, you’ll need 20% down.

For example, if you are purchasing a home for $800,000, you’ll need 5% on the first $500,000 ($25,000), and then 10% of the additional $300,000 ($30,000) for a total of $55,000 down.  Note that buying with less than 20% down will require mortgage default insurance (CMHC).

It’s easy to see if you qualify:

Simply fill out this online application, we will acknowledge when we receive it, and then we’ll get back to you within 6 business hours to let you know how much you will qualify for and offer you one of the best mortgage rates around. It’s that simple!

APPLY For your mortgage today

My Mortgage is Up for Renewal – And I Deserve A Better Rate!

Yes, You Deserve A Better Rate!

Even bank employees know they can get better rates than the banks in many cases! That’s why so many of them come to us.  We highly advise that contact us 90 days in advance of your renewal date.  Typical processing time with no stress is 3 to 4 weeks in advance.  Have a renewal coming up in less than 30 days? No problem, we can still do it, but you need to START THE PROCESS NOW!  This is an absolutely free service for qualified borrowers.

Really, We Serve Everyone!

  • Bank Employees

  • Police Officers

  • Emergency Responders

  • Nurses

  • Lawyers

  • Small Business Owners

  • Doctors

  • First Time Buyers

  • IT & Tech Specialists

  • Contractors

  • Newly Weds

  • Divorcees

  • Teachers

  • REALLY… we serve EVERYONE

Why is it that WE can often get YOU get better rates than the bank? Because banks like to play what we call ‘the rate game’.  They advertise ‘posted rates’ which are much higher than market rates.  Then they offer you a discount off the posted rate to bring the rate down to the market rate.  Who doesn’t like to get a discount, right?  The truth is, the market rate is really just the going rate and is not really a discount at all.  It’s a rate you can find anywhere.  Banks have the biggest buildings in every city for a reason. They are VERY good at making money. We don’t play the rate game. We have one rule: get our client the best mortgage rates while we give you a better mortgage experience than you will get anywhere else!

As mortgage brokers we deal with many different mortgage lenders, we are constantly sourcing out lenders offering the lowest rates.  We get them competing for YOUR business! Market rates are not acceptable to us and they shouldn’t be acceptable to you either. We’re about saving you money on your mortgage.  Money that is better left in your pocket, as opposed to your banks.

APPLY NOW

Yes, You Deserve A Better Rate!

Even bank employees know they can get better rates than the banks in many cases! That’s why so many of them come to us.  We highly advise that contact us 90 days in advance of your renewal date.  Typical processing time with no stress is 3 to 4 weeks in advance.  Have a renewal coming up in less than 30 days? No problem, we can still do it, but you need to START THE PROCESS NOW!  This is an absolutely free service for qualified borrowers.

Really, We Serve Everyone!

  • Bank Employees

  • Police Officers

  • Emergency Responders

  • Nurses

  • Lawyers

  • Small Business Owners

  • Doctors

  • First Time Buyers

  • IT & Tech Specialists

  • Contractors

  • Newly Weds

  • Divorcees

  • Teachers

  • REALLY… we serve EVERYONE

Why is it that WE can often get YOU get better rates than the bank? Because banks like to play what we call ‘the rate game’.  They advertise ‘posted rates’ which are much higher than market rates.  Then they offer you a discount off the posted rate to bring the rate down to the market rate.  Who doesn’t like to get a discount, right?  The truth is, the market rate is really just the going rate and is not really a discount at all.  It’s a rate you can find anywhere.  Banks have the biggest buildings in every city for a reason. They are VERY good at making money. We don’t play the rate game. We have one rule: get our client the best rate while we give you a better mortgage experience than you will get anywhere else!

As we deal with many different mortgage lenders, we are constantly sourcing out lenders offering the lowest rates.  We get them competing for YOUR business! Market rates are not acceptable to us and they shouldn’t be acceptable to you either. We’re about saving you money on your mortgage.  Money that is better left in your pocket, as opposed to your banks.

APPLY NOW

I‘m About To Buy a House? How Much Money Do I Qualify For?

Our goal is to make this as easy as 1 – 2 – 3!

Step 1. Complete application online

Step 2. Provide Supporting Documents

Step 3. Get qualified in less than 6 business hours!

*all deals are different. Additional supporting documentation may be required.

APPLY NOW

Need Cash? Own Your House?

There are many reasons people want to refinance their homes. When it’s time to pull equity out of your house to put it to good use and/or necessities, we can make this as painless as possible for you. Our goal is to provide you with a better Mortgage experience than you will get anywhere else!

What do you need the money for?

  • University | Education fees
  • Renovations
  • Debt Consolidation
  • Divorce settlement
  • Illness in the family
  • Financial planning
  • Business opportunity
  • Investment

These are all good reasons to call us 416-409-8009 and/or Start the Application Process Now or email us. You’ll know within 4 business hours if you qualify. Some situations may take a bit longer.

APPLY NOW

There are many reasons people want to refinance their homes. When it’s time to pull equity out of your house to put it to good use and/or necessities, we can make this as painless as possible for you. Our goal is to provide you with a better Mortgage experience than you will get anywhere else!

What do you need the money for?

  • University | Education fees
  • Renovations
  • Debt Consolidation
  • Divorce settlement
  • Illness in the family
  • Financial planning
  • Business opportunity
  • Investment

These are all good reasons to call us 416-409-8009 and/or Start the Application Process Now or email us. You’ll know within 4 business hours if you qualify. Some situations may take a bit longer.

APPLY NOW

I’M READY TO GET MY MORTGAGE!

You’ve already purchased a home, you know you qualify and you’re within 120 days of closing. It’s now time to get your mortgage set up, so, let’s get started:

Choose your first step:

Fill out the online application 

Call us right now at 416-409-8009 

Fill out this contact form and our office will call you right back.

Email us at paulm@citycan.com

APPLY NOW

Lenders We Deal With

First National

I’M READY TO GET MY MORTGAGE!

You’ve already purchased a home, you know you qualify and you’re within 120 days of closing. It’s now time to get your mortgage set up, so, let’s get started:

Choose your first step:

Fill out the online application 

Call us right now at 416-409-8009 

Fill out this contact form and our office will call you right back.

Email us at paulm@citycan.com

APPLY NOW

Our Promise To You!

  • Lower mortgage rates are what we do!

  • We tell you what you NEED to hear, not what you WANT to hear!

  • Your best interest ALWAYS comes first

  • We always do what’s best for you!

  • We treat you as we’d like to be treated.

  • We give you the same advice as we’d give our own mothers!

  • We teach people what to look out for and choose the right mortgage.

Help Us Help The Homeless

A portion of all proceeds are donated to raisingtheroof.org

Call Us Now!