Client Testimonials

We love hearing positive feedback, read on to see what our clients have said about us!

You can trust the process with our twenty-five years of experience in offering support for difficult mortgages and debt relief solutions for any financial situation.

Difficult mortgages are our specialty. If your credit history is damaged, or you are self-employed, or you have lots of personal debts, we can help you. And in most cases, we are paid by the lender.

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.  Our client testimonials and case studies say it all.  We appreciate and value your feedback and look forward to assisting you in relieving your financial stress.


Mortgage Services

  • It was very nice dealing with Ross. I feel like he went out of his way to find the best mortgage deal for our situation. He was professional yet very easy-going and always easy to reach whenever we needed anything. He will also make sure to proactively follow up and find you whenever your inputs or any information is required to facilitate your case, so we never felt the need to worry or follow up with him on anything. Overall very pleased with the smooth transaction.

    Yuri Rayzberg
    President of a high tech company
  • Ross was very helpful, my wife and I had never gone through this process before. He was able to explain everything and answer any questions we had. He was always available even when we had closing and questions after hours. I will definitely recommend Ross to others.

    Chris Stojko
    Electrician at TAG Electric
  • Thank you Ross for your patience, help and guidance for the seven years I have known you. Without Ross, I would not be enjoying this beautiful home. Ask Ross – he’s the boss!

    Roza Sadieva
    Hair stylist and colorist
  • I’ve used Ross Taylor & Associates more than once now to secure a brand new mortgage, as well as refinance. I was very happy with the service on all occasions. Ross was always available on short notice, gave me valuable advice on all the options available, and recommended other products and alternatives. He kept the process streamlined and simple, and stayed on point with his requests most of the time.

    I will definitely work with him again in the future.

    Anton Havorka
    CFO/Controller at Siren Advertising
  • Thank you so much for everything Ross. This was definitely a “model” refinancing in my books, we couldn’t have hoped for more from a mortgage professional. I feel very fortunate that I stumbled across your “Ask Ross” site and will always remember how surprised I was to receive such a through and detailed response to my question. We will never hesitate to refer family and friends to you and would always reach out to you in the future for mortgage guidance.

    Rachel Sheehan
    Senior Resource Manager
  • After so much bad advice throughout the years Ross was a breath of fresh air, stress-free, no upselling – he made us feel comfortable. Ross never presumed anything. He would advise us and let us set our goals. He shared with us his own humble experiences that put him on the right track. He truly humanized the experience. We know if we ever need to refinance or find a new mortgage we will definitely ASK ROSS ……Thank you Ross

    Charlene Boadway
    Aspen Ridge Homes
  • Hi Ross, it appears that things are wrapped up. I just wanted to take a minute to express my deep appreciation for your help and guidance over the past couple of months. You and Sarah have certainly help to make the process not just easy but possible. It was such a relief after our first conversation to know that I had someone who is willing and able to provide reasonable options and coherent information so that I could make a plan on how to address my situation. As you will know it was an incredibly stressful position to be in and I thank you for helping me. I guess I will look forward to hearing from you in about a year when it comes time to look at the situation again. Thanks so much. Have a great day.

  • When I was looking online for a Mortgage Broker, I came across Ross Taylor & Associates and decided to give them a try based on the good reviews I had read. Well I was certainly not disappointed! From the initial phone call to the very last paper signed, Ross & Donna were extremely helpful. Both went above and beyond to make the mortgage process seem effortless. They walked me through the entire process, helping me to get all documents I required and the mortgage approved. Even getting me a cheaper interest rate than the bank originally offered!!

    As trying as a mortgage can be, Ross and his team go the extra mile to get it all done and help you through it. It has been an extreme pleasure to work with such a courteous, knowledgeable and professional team. I would highly recommend Ross Taylor & Associates for all your mortgage needs. No mortgage is too simple or too difficult for them to take on. They will give 150% of their time and effort to get your mortgage approved.

    Sheila Karrington
    Head of Logistics Calgary, Alberta
  • Ross is very knowledgeable, and was able to tailor the right mortgage for my situation. I will be using his services again in the future.

    Sam Kakembo
    Canadian Armed Forces
  • I want to thank you Ross for the excellent service I received for the mortgage application for my property. I will definitely refer all my friends to you!

    Rosemary Wu
  • Thank you so much Ross for making the impossible possible. Thanks for helping me keep my home. Next goal, fresh start with your continued assistance.

    Guidance more like. Sorry if I have not paid attention to your advices in the beginning, I could have lost everything. Thought my financial nightmare was a lost cause until I’ve met you.

    Lake Shore West, wait for me! Nothing is impossible with Ross Taylor & Associates!

    Noemi Madrid
    Registered Practical Nurse
  • Amazing! Thanks Ross! Glad everything worked out with Mariya as well!

    Jacqueline Bryce
    Registered Nurse
  • You managed two mortgages for my wife and I with closings of less than a month apart. If not a magician then a smart, thoughtful and sincere person, something rarely one can witness these days. Thank you Ross for all that you have done

    Updated July 2016 –
    I would like to thank you very much for managing our remortgage application which is closed successfully.

    I fully understand the complicated arrangements required for our case in Quebec but your deep knowledge, professional approach and above all, your patience, made this possible.

    This was the third mortgage case that you successfully managed for us and I do look forward to working with you towards our other requirements in the near future.

    Homayoun Tajbakhsh
    President at Mitcom
  • 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
  • I previously worked in banking for 18 years and did mortgages for customers for 15 of those years before I changed careers. I well know that if you know where to look, there are better deals out there than what the banks offer and without having to play the ‘rate negotiation game’ with a banker. I have a very busy job and I did not have a lot of time available to run around from lender to lender. Ross was able to get me the best rate and terms for my circumstances. Approval was quick and efficient and the coordination with legal services really made everything smooth and easy.

    Former Banker
  • You have no idea how stressful the last few days before closing are for most buyers. Thanks a million for making this look so easy Ross. I look forward to working with you as always. 🙂

    Arun Kumar
    Sutton Group Admiral Realty
  • Thank you Ross for pulling another miracle out of your hat. This home reno is dedicated to you.

    Andrew Laframboise
    Team manager at Rogers Communications

Debt Relief

  • Ross is a great financial consultant and credit counselor. His advice helped me and my family, and we are very grateful. He is very personable, has great customer service skills and very good knowledge of his work field. Thank you Ross, for all your help and advice, it’s much appreciated. Ross is also a published author, and I enjoy reading his work regularly.

    Anastaciya Maslov
    RPN Registered Practical Nurse at Chartwell Retirement Residences
  • Working with Ross has made us feel so at ease. It lessened our worries that Ross was working so hard on our behalf. His positive and calm demeanor made us feel comfortable from the get go. His advice was spot on as he was upfront and honest with us. I truly appreciate all he has done for us. From the bottom of hearts, thank you, thank you!

    Fern Davis
    School Teacher
  • Ross provided us with everything we needed. There was no pressure. He made us feel at ease with every move along the way. He broke down every myth we ever heard about debt and mortgages, and he gave us options. I have to say that the experience was stress free and we will always ASK ROSS first. Thanks Ross!

    Ralph Ugo
    Regional Sales Manager for a manufacturing company
  • Ross has been very helpful with advice and suggestions for my finances. He is very easy and pleasant to work with, and I very much appreciate his efforts on my behalf. His website is also a good source of information and updates.

    Sanjita Nag
    Independent Medical Practice Professional
  • Going through a consumer proposal can be very stressful. I must say that every step of the way Ross made it easy and stress free. Ross is engaging, professional, friendly and ready to answer any and all questions that we had. I wouldn’t think of using anyone else in the future to deal with my financials or mortgage needs other than Ross Taylor, it’s just that simple.

    Margarita Stavitski
  • My husband and I met Ross and from the first encounter with him we knew we were in safe hands. He was willing to guide us along the process, providing us with clear answers, lots of support and understanding. He took time to know our financial situation to provide us with a great service. Ross was able to help us secure a mortgage that led us to own a property. He is not just a professional but the best professional you will find in this area. His expertise and human touch made the difference. I recommend him and his Associates. Thank you Ross for everything!

    Linda Meszaros
    Principal Sourcing Specialist
  • Ross took the time to understand our needs for the short term as well as for the long term. Based on that information he provided several options with pros and cons for each of those options. He brings solid understanding of lending products and more importantly how to leverage client needs to those lending products. He met more than our expectations and would highly recommend him to anyone within our network.

    Abel Kagzi
    Software Developer
  • Marina and I would like to thank you and Svetlana for your professional help. We didn’t ever think we can meet this situation in our life. And when it happened we didn’t know what to do. Only your advice and professional experience allowed us to resolve this problem. Thanks again and all the best in your business.

    Vladimir Akopyan
  • I came across your website today and was quite impressed with the quality of answers to questions and some of the finance solutions you have provided

    Steve Joyce
  • Ross did a terrific job for us when our bank did not come through. And we did it all by phone & email!

    Pharmaceutical Consultant
  • 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

First Time Mortgage

  • Thank you for keeping us informed every step of the way. We appreciate your patience in explaining every detail of the transaction and educating us to ensure future financial stability and success. You make it a very positive experience and we would not trust anyone else with all our future financial needs. P.S. And we will not hesitate to ASK ROSS.

    Anton Snegiroff
  • Ross was helpful getting us our first mortgage. We had unique employment terms which made it harder to get a mortgage through a bank. He got us approved through several different lenders and found us a great rate! I would highly recommend doing business with Ross!

    Eric Hung
    Westjet airline pilot
  • I found Ross Taylor and Associates when I was on the internet very late one night reading any first time home buyers blog I could find. After satisfying my curiosity and reading blogs on his website for about an hour, I sent him a semi long winded email about first time home buyers woes in the very intimidating Toronto market. From beginning to end, my first time home buying experience was made to feel like one seamless transaction. Ross was very patient with me and answered all of my questions while assuring me that I need not worry. I could not have asked for a better first time home buying experience!

    Sharifa Liburd
    Social Services Professional
  • I thank you for everything. You’ve been awesome….through my first home…a big step in the long journey of life! I will refer you to people as they come along for work!!

    Douglas Rice
    Canadian Lyric Tenor
  • We were lucky enough to be referred to Ross. Ross helped us with our first mortgage. If you need a dedicated professional mortgage broker, who will explain ALL details, nuances and direct you to the right decision – that is Ross (and his GREAT team). And with his personality, I am sure, he will become not only your agent/broker, but, a friend as well. THANK YOU Ross.

    Tigran Harutyunyan
    Teradata Canada
  • Thanx again to both you and Natasha for everything. The lawyer Mariya was lovely and David from Meridian was very nice also. I will definitely recommend you if any one is looking for a mortgage!!! Cheers 🙂

    Lesley McLean
  • Thank you so much Ross for helping us realize our dream! With gratitude…

    Gabe, Lisa, Colin & Owen Schwartz
  • Wooohoo thank you Ross – you are the best! Wow Ross, you’re the man!! True miracle worker. Thank you. Thank you – you are the awesomest Mr. Taylor!!

    A happy family in Richmond Hill


  • Ross Taylor is highly knowledgeable in his field and at the same time, is capable of quickly understanding his clients’ needs. Ross exhibits strong interpersonal skills and a unique capacity for empathy. His insight, dedication and integrity are second to none. He can define a long-term strategy and then break it down to the day-to-day. I have no hesitation in recommending the services of Ross Taylor.

    Amanda Russell
    Replenishment and Allocation Analyst/Vendor Analyst

Partners, Colleagues

  • I have been working with Ross for eight years and he is a true professional and humanitarian. It is not every day that you are able to work with an individual who is always willing to take the time and explain everything and is working for the best interest of the client and not the money. I recommend Ross to people who require any of his services as he is one of the good guys.

    Jordan Rumanek CIRP
    Trustee at Rumanek & Company
  • Ross is a trustworthy person who specializes in credit and mortgage issues. He wrote three chapters about credit reports and credit scores for my book, “Fight Back”. He writes informatively and clearly for people who know little about these often complex topics.

    Ellen Roseman
    Business columnist at Toronto Star, author of “Fight Back”
  • My clients are my life. Without them, I literally do not eat. So when it comes to referring my clients to any other professional, I do so with tremendous care and caution. When it comes to Ross, I am without hesitation. I know that when I send a client to Ross, they will receive the treatment and care that they deserve.


    Ross is phenomenal in every sense of the word. His communication is top notch, and his knowledge base is second to none. In my time working with Ross he has undoubtedly become my most reliable resource no matter what type of client I am working with.

    Michael Petrant
    Sales representative with Right at Home Realty
  • I have asked Ross to help out with a few of my poor credit clients. Ross took them under his wing, and worked with them to settle their debts and ultimately repair their credit. The clients thank me for the introduction to this day!!! Thanks Ross.

    Zvika Shluper
    Co-owner DLC The Mortgage Masters
  • Thank you so much, I’m so happy all is well, thanks again for being on top of our clients’ mortgage needs. You really do go the extra mile – one of a kind!

    Rick Preisinger
    Remax Quinte Home Finders
  • It is not often that you find someone who genuinely cares, but Ross is one of those people. I have hired Ross on multiple occasions as he is easy to work with, knows his stuff inside and out and gets things done that otherwise may not have been accomplished.

    Brian Shumak
    President Brian Shumak Financial Services
  • I have known Ross for over ten years now as a business associate. He is on top of his game when it comes to credit issues and mortgage financing. What I like about Ross is he always puts his clients’ needs first. He is a patient listener, who then guides his clients to what is in their best interests, taking the time to educate, and answer however many questions they may have. I have and I will certainly recommend Ross to my future friends and clients in need of mortgage financing and credit matters.

    Myo Maung
    Realtor with Century 21
  • Our clients were not sure what type of home they could afford. Ross met with them, gave them the confidence to go ahead, qualified them for an excellent mortgage, returned all calls and answered all questions that our clients had. We found them a beautiful home and they are settled in and are extremely happy. Thanks Ross for your knowledgeable and friendly service! We will recommend you to anyone that requires a mortgage.

    Jessica & Robin Scott
    Sales representatives with Right at Home Realty
  • 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
  • I’ve trusted all my business and family financial stuff to Ross for twelve years, & I am very happy I did.

    Stewart Switzer
    Owner Dufferin Steeles Auto
  • I routinely refer debtors to Ross who may need refinancing. Not only does Ross excel at his profession, he is a genuinely nice guy.

    Ron Klein, CA*CIRP
    Partner, Klein & Company Inc. Trustee in Bankruptcy | Proposal Administrator
  • Thanks again Ross, was great working with you. Thanks for everything.

    Melwin Gonsalves
    Toronto Police Service
  • Ross, as a fellow MI Mortgage Agent, I have to say your posts are both interesting and informative. It’s wonderful they way you are able to tell a story of how Mortgage Brokers help when others cannot. Your knowledge and expertise is obvious and I look forward to reading your articles.

    Elfie Hayes
    Mortgage Intelligence Oshawa

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