Reliable Mortgage and Debt Counselling Services

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.”

Mortgage Agents & Debt Relief Specialists 416-989-1000


Mortgages available for everyone. Good credit, even bad credit, self-employed, and marriage breakup.

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Mortgage Rates

Rate specials are available, and are always lower than our posted rates. See Terms.

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Debt Reduction

We can eliminate or settle your debts, and stop collection processes. We represent you, not your creditors.

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Rebuild Credit Score

You would be amazed at how quickly your score can increase. No matter what your situation, we can do it.

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Not the time for short closings in the Toronto real estate market

Not the time for short closings in the Toronto real estate market Strange things are happening in the mortgage world the past few weeks. It’s as if all the government and media’s efforts to slow down the real estate industry are finally taking effect. Couple this with the typical annual Spring Real Estate Market, and everything …

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Toronto appraisal too low and led to big time trouble

Toronto appraisal too low and led to big time trouble The AskRoss hotline received a call on the weekend from a first time buyer in major league stress. His unconditional offer to purchase a new home in Brampton was much higher than any prior sales in the neighbourhood. When his application was submitted to the …

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