About

Hi and welcome to my site. Here you will find lots of useful information mainly about mortgages and credit issues. You will also find many true stories about people you may relate to. I don’t try to be all things to all people – but I do have a wealth of knowledge based on many years in financial services, and if I don’t know the answer to a question, chances are I know someone who does.

Who is Ross Taylor?

I have been a financial adviser for twenty five years. I love helping regular people solve their financial problems, and I love writing – maintaining this website and running my business called Ross Taylor & Associates lets me do both. My focus the past ten years is as a mortgage specialist and credit counseling expert.

Mortgage Broker – buying, refinancing, renewing and pre-approvals

Trust the process to people with twenty five years of experience. Difficult mortgages are our specialty – so if your credit history is ‘damaged’, or you are self employed, or you have lots of personal debts, or whatever your issues are, we can help you. And in most cases, we are paid by the lender, and there is no cost to you.

Every day we are meeting with new clients who each have their own unique and distinct requirements and objectives. Each of our clients requires a mortgage solution that is tailored to match their individual needs and circumstances. However, our formula always remains consistent, effective and reliable.

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.

You can read dozens of stories about real people whose mortgages we have arranged in Mortgage Information

• Pre-Approvals & Purchases
• Refinance & Better Rates
• Bad Credit / No Credit
• Self-Employed
• Debt Consolidation & Credit Repair
• Secured Lines of Credit
• Second & Private Mortgages
• Extra Funds for Reno, Education, etc.
• Secondary Homes
• Investment Properties
• Cash Back

Credit Counselling – we look after your best interests, not your creditors

The trustee represents your creditors and must enforce the Bankruptcy Insolvency Act to the best of their abilities – we respect that, but who is looking after your interests? We represent our debtor clients and are their advocate and negotiator in ensuring a fair, balanced solution to their debt problems.

Know your options before you commit to a life altering decision. A free consultation will allow us to present you all your alternatives – and a clear recommendation as to which solution is right for you. We have healthy relationships with several trustees in bankruptcy and administrators of consumer proposals, and can negotiate excellent terms for you which will allow you to get on your feet again as quickly as possible. We can also negotiate directly on your behalf with any individual creditor or collection agency.

Chances are you will be in this situation only once in your life – why not have someone who has done this hundreds of times in your corner? Before you approach a trustee, please talk to us first. It’s free, and it could save you thousands of dollars. You can read dozens of stories about real people whose lives we have changed in Credit Counselling.

• Slash your debts
• Stop garnishments and phone calls
• Stop legal proceedings against you
• Stop paying high interest on your debts
• Rebuild your personal finances and your credit rating
• Facilitate personal bankruptcies and consumer proposals

Credit score specialist – improve, rebuild, or establish your credit score

Everybody should know their personal credit history and be aware of what lenders can see when they access your personal information. We have helped hundreds of clients improve their credit score rapidly, by providing them a unique personalized program and action plan designed to clean up the flaws, and increase their credit rating as quickly as possible. You can read many interesting stories about real people and their credit scores in  Credit Counseling. Ask for a free initial consultation today.

Ross Taylor has been operating his credit related business under the name Dr. Credit™ since 2003.

My clients range in age from high school students looking to start their financial lives on the right foot, all the way to people long retired who are concerned about things like being house rich and cash poor, or providing for and helping their families.

The past ten+ years, through Ross Taylor & Associates, my focus has been arranging mortgages for any situation, and helping people eliminate their debt and credit problems. In the credit counseling business I am known as Dr. Credit™.

CONTACT ROSS

My Qualifications

I studied at the University of Waterloo in Mathematics, and then I took an MBA in Finance at McMaster University. Over the course of my career, I have been a stockbroker, a fee based financial planner, a mortgage agent and a credit counselor.

At one time I was the youngest vice president in the Met Life Group of Companies, holding executive accountability for their retail banking and mutual funds businesses here in Canada.

If you would like to ask me a question about your financial matter, please call 416-989-1000 or send me an email . I answer everyone personally.

I am a registered credit counsellor with the Ontario Superintendent of Bankruptcy (OSB), and a licensed mortgage agent with the Financial Services Commission of Ontario. (FSCO) My mortgage agent license is sponsored by Mortgage Intelligence, and their license number is 10428.  My personal license number is M08006631.