Mortgage Agents- buying, refinancing, renewing and pre-approvals

Trust the process to Ross Taylor & Associates – where 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 Counseling – 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 Counseling.

  • 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 specialists – 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.


Solving your financial problems with creative mortgage planning is my forte. If you would like discuss your debt situation in strict confidence, please call me at 416-989-1050 or send me an email . I answer everyone personally.


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