Smart mortgage and credit solutions that fit your financial situation.

Whether you’re looking for a mortgage pre-approval, refinancing or renewal and have poor credit history or just want to get your debt under control, you’ve come to the right place. At Ross Taylor and Associates, we specialize in delivering smart mortgage and debt relief solutions tailored to each client’s unique needs and circumstances.

Experienced Team

Our team brings years of experience, creative credit solutions and a strong commitment to delivering results every time.

Mortgage Experts

Arranging a mortgage is both science and art, process and imagination – we use both to deliver optimal mortgage solutions.

Specialized Counselling

One of the only mortgage teams in Ontario with an in-house BIA registered insolvency counselor and excellent relationships with several Trustees in Bankruptcy.

No Surprises

Sidestep unwanted surprises as we explore and explain your options and develop a comprehensive strategy that works for you.

High-Touch Service

Always feel valued, informed and respected while working closely with our team of big-hearted mortgage and credit specialists.

No Cost to You

Your first consultation is free and in most cases, we’re paid by our lenders, which means we don’t pass costs along to you.

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Our Services

Ross Taylor & Associates offers life-changing mortgage and debt related services to hundreds of clients throughout Toronto and the GTA.

Mortgage Services

Just because you have bad credit, does not mean you cannot buy a home. Difficult mortgages are our specialty. Whether your credit history is ‘damaged,’ you’re self-employed, or you have a lot of personal debts, we can help you.

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Debt Relief

Stop worrying about payments and avoiding collections calls. If you’re in a tight corner with your credit burden and can’t manage to get out of it, our credit counselling experts are here to help and advocate for fair, balanced solutions to your debt problems.

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First-Time Home Buyers

Looking for a first-time buyer mortgage? Search no further. If you’ve been fretting about how to get an affordable and flexible first-time buyer mortgage, we’ve got the best services and repayment options for you.

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  • Thank you so much Ross for making the impossible possible and helping me keep my home. I thought my financial nightmare was a lost cause until I’ve met you. Nothing is impossible with Ross Taylor & Associates!

    Noemi Madrid
    Registered Practical Nurse
  • Ross is an incredible financial advisor and has been invaluable to me and my family. He is knowledgeable, thorough, caring, and a pleasure to deal with. He always has his clients’ best interests in mind. Ask Ross, and you will get help quickly whatever your financial concerns are.

    Irina Kundzich
    Graphic Designer at IK Design
  • I have known Ross for ten years and always respected his opinion on financial and social issues. I would recommend to everyone who is thinking of a major financial purchase; having financial problems; or worried about their financial future to read articles posted on “Ask Ross’ or to ask Ross for advice.

    Vlad Rojko
    CMA Manager of Operations at Liquid Capital
  • We cannot begin to express our gratitude to you for helping us keep our property. You have truly done the impossible with our refinances. We encountered many stumbling blocks (to say the least) along the way, but your professionalism and tenacity cleared the way. You have gone out of your way, on many occasions, in working with us (far above and beyond the call of duty).

    Hellen Kraisel

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Reliable Mortgage and Debt Counselling Services

Mortgage Agents

Buying, refinancing, renewing and pre-approvals

Whether you are looking for a mortgage broker in Toronto, or a skilled counselor to assist with debt consolidation or bad credit, difficult mortgages are our specialty. If your credit history is ‘damaged’, you are self-employed, or you have personal debts, we can help you. In most cases, we are paid by the lender, with no cost to you.

Our mortgage services include first-time buyer mortgages, home equity loans, private mortgages, bad credit mortgages, mortgage renewals, and much more. We work with our clients to deliver a mortgage solution that is tailored to match their individual needs and circumstances. Arranging a mortgage is both a science and an art – it requires both procedure and imagination.

Ross Taylor and Associates bring you years of experience, creative solutions and dedication to results -> seamless, transparent and effective mortgage planning in an environment where you will always feel valued, informed and confident.

We deliver the optimal mortgage solutions that will fit your expectations and circumstances. Make the first step towards building your financial relationships with trustworthy lenders by filling out a mortgage application here or call us for your free consultation. (link this to contact us page)

Get a Control on Your Debt with Our Credit and Debt Services

Just because you have bad credit, does not mean you cannot buy a home. You most certainly can buy a home with bad credit and we can help!

As experienced credit counsellors, we are also one of the only mortgage teams in Ontario with an in-house BIA registered insolvency counsellor. We also have excellent relationships with several Trustees in Bankruptcy.

Before you consider a consumer proposal or a bankruptcy, call us to make sure your debt strategy and your home ownership strategy are suitable for one-another. Too many times we have seen unnecessary or poorly explained debt strategies making little sense and resulting in unnecessary home ownership challenges.

Know your options, have a strategy. We will make sure you avoid any surprises and help you develop a comprehensive plan.

In case if you are getting in a tight corner with your credit burden and can’t manage to get out of it, our Toronto credit counselling experts are here to help. From stopping the debt collection processes and rebuilding your credit score to adequate preparation for bankruptcy, make sure that our specialists will do their best to get you back on your feet as soon as possible. Stop worrying about payments. With Ross Taylor & Associates, your first consultation is free of charge.

Find a Range of Helpful Tools

Does your mortgage still suit your budget? We can assess your mortgage is a matter of seconds. Just fill out an application at and get instant feedback.

We invite you to read the stories about real people we have helped, and also to use our FREE Mortgage Tools to help you, which include payment calculators, and a secure application form.

Mortgage payment calculator

  • Land transfer tax calculator
  • CMHS insurance calculator


Ross is a licensed mortgage agent with the Financial Services Commission of Ontario. (FSCO) His mortgage agent license is sponsored by Mortgage Intelligence, and their license number is 10428. His personal license number is M08006631. He is also a BIA registered insolvency counselor. If you would like to know more about Ross’ qualifications, please click here.

“If you would like to ask me a question about your financial matter, please call 416-989-1050 or send me an email . I answer everyone personally.”

Contact Us

Tel: 416-989-1000

5050 Dufferin Street, Suite 213
North York ON M3H 5T5