Current Mortgage Rates (On Approved credit. Some conditions apply.)

I can offer you some of the best mortgage rates available in the Toronto area.

IMPORTANT: The lowest rate is not necessarily the best mortgage. Find out why

Variable Rate
Fixed Rate
Today's Deal:
Apr 19, 2019 – 2.80 Insured 5 year variable*

Not All Mortgages Are Equal

Some of the lowest fixed rates have BIG restrictions. Sometimes referred to as "No Frill" or "Value" mortgages, these deals can end up costing you much more money in the end.

Many of these type of mortgages can not be "ported" from one home to another. So if you buy a new home you would have to break the mortgage and pay the penalty.

Most of these no-frill mortgage products do not allow you to "Blend and Increase". This means if you choose to refinance your home for more money, you may be forced to pay a penalty.

So, when comparing rates, think twice, think smart. Those short-term gains may cost you in the long run.

Jim Payer: Toronto Mortgage Broker

Call me at (416) 662-6159 to get your mortgage pre-approval!
  • BEST RATES: I offer some of the lowest mortgage rates available, all with favourable terms
  • PERSONAL SERVICE: I take great pride in dealing with all of my mortgage clients personally
  • MORTGAGE EXPERIENCE: I have 10+ years of experience in the mortgage industry

Great Rates. Great Mortgages.

Call 416-662-6159

As a mortgage broker in Toronto, I have access to mortgage programs from over 25 lenders. This allows me to find low mortgage rates that suit your financial situation.

If you are self-employed and run your own business, there are special options that I can help you make the most of.

Or perhaps you are looking to reduce your debt load? With a debt consolidation mortgage I can roll all your high-interest payments into a low rate mortgage and save you thousands of dollars!

Mortgages for YOUR Situation

Understanding my clients' needs for today and goals for tomorrow allows me to suggest the "Right" mortgage product and terms to suit each person individually.

I am very pleased that most of my clients are repeat business or come by way of referral. This shows my unique approach with a high level of service is what people want.

TD Canada Trust   Street Capital   ScotiaBank   First National

1 Minute Application

… or fill out our full-length appplication

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Mortgage Amount
Household Income
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“During the recent drop in interest rates, Jim showed us all of our refinancing options. With his advice, we were able to save $560 per month on our payments! And at the same time we were able to pull some equity from our home for our much needed landscaping project.”

Ian & Christina
Mississauga, ON