We offer many mortgage solutions to Canadians at the best rate they can afford. Borrowers love Ross Taylor Mortgages for our expertise and access to top A lender to private mortgage lenders. 

We specialize in difficult mortgages and work tirelessly to get you the best mortgage. We work through your down payment strategy, getting a pre-approval, locking in those interest rates, and sealing the deal with a lender. 

In the fixed rate vs. variable rate debate, we’ll fit you with the right mortgage depending on your needs. If you’re concerned about getting low rates or looking for the lowest monthly payment, our mortgage brokerage will get you into your new home. Let our mortgage agents help you navigate the difficult mortgage process.

When it comes time to refinance your mortgage loan, we’ll follow up with you to discuss the prepayment and get you the lowest mortgage rates possible or work towards pulling out home equity for debt consolidation. We will find the best mortgage options for your new mortgage.

We deal exclusively in residential mortgages but can point you in the right direction for a commercial mortgage broker if you require one.

Every Canadian deserves a financially secure and comfortable retirement. If you are 55 years of age or older, a reverse mortgage can help you access your home equity while remaining in your principal residence.

A reverse mortgage is a loan against your property that allows qualifying senior homeowners to convert a portion of their home equity into a source of cash. This money is tax-free and does not require any monthly mortgage payments until you sell or move out of your home.

Considering a second mortgage? Second mortgages are loans against the equity of your home they are also an excellent option if you need cash for home renovations, repairs, education, emergency expenses, or even consolidating debts.

With access to our competitive second mortgage rates, you will be able to meet your expense demands without relying on credit cards.

Is your mortgage renewal coming up? This is the time to evaluate your financial situation and goals to understand what you will need in the duration of your next term. It is also an excellent opportunity to access your home’s equity to put towards renovations, education, or simply saving more by lowering your monthly mortgage payment.

Your notice to renew your mortgage typically arrives in the mail 4 to 6 months before your renewal date. Your renewal will include several terms and competitive rate options from your lender.

Nearly 20% of Canadian income earners work for themselves, and with the gig economy on the rise, that number will continue to grow. Being a small business owner brings many joys. However, when it comes to qualifying for a mortgage, it can be pretty frustrating.

Most financial institutions require self-employed individuals to use their personal income tax assessments to qualify for a mortgage. There are several legitimate ways your accountant can render your net income as a small business owner much lower than your gross income – and this, unfortunately, makes it challenging to qualify for a mortgage by traditional means.

Rest assured, our team of experienced mortgage agents is no stranger to self-employed mortgages. We understand your unique situation and will help you get your mortgage with the most favourable terms for your situation.