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Ross is a two time national award winner, specializing in difficult mortgages and first time homebuyers. Ross’s team works tirelessly to get you the best mortgage result possible in York Region and beyond.
All meetings and discussions are now held by phone, email, chat, or video calls.
Richmond Hill Location
70 East Beaver Creek Rd #30, South Building, Richmond Hill, ON L4B 3B2
We also have locations in Mississauga and Toronto.
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The many ways we help our clients
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 A to private lenders. When it comes time to refinance, we’ll be right there with you to get you the lowest mortgage rates possible or work towards pulling out equity for debt consolidation.
We specialize in difficult mortgages and work tirelessly to get you the best mortgage available. We work through your down payment strategy, getting a pre-approval, locking in those interest rates, and sealing the deal with a lender.
If you are looking to buy or refinance a home, or have recently completed a consumer proposal/bankruptcy, which is dragging down your credit score, Ross Taylor Mortgages will work tirelessly to achieve the results that are right for you.
We will even help rebuild your credit score!
Ross is dedicated to providing helpful information, personal insights, and genuine advice for all who seek it. We have a dedicated set of calculators available on our website for you to use and reference. If you’re looking to get a mortgage or planning to buy and need to know what you can afford, our clients will unanimously say Ask Ross.
Three Best Rated Richmond Hill
“Ross Taylor is a two-time national award-winning mortgage broker and is recognized by his peers and clients as a leading expert in the Canadian mortgage industry. Ross is a renowned speaker and published author of more than 700 original articles and is often quoted by popular media outlets such as The Globe and Mail and The Toronto Star.” – Three Best Rated Richmond Hill
Mortgage Broker Pros – Best in Richmond Hill
“Ross Taylor is a two-time national award-winning mortgage broker and is a renowned speaker and published author of more than 700 original articles. He is often quoted by popular media outlets such as The Globe and Mail and The Toronto Star.”
– Mortgage Broker Pros
How much commission does a mortgage broker usually make off a sale in Richmond Hill?
When dealing with banks and other A-lenders, mortgage agents get paid a percentage of the total loan by the lender, not the borrower. This fee is built into the mortgage amount and is not an extra cost.
If your mortgage is with a private lender or B-lender, there will be a one time lender and brokerage fee clearly explained to you in advance and this will be due and payable on the mortgage funding date. With a mortgage refinance, you simply pay the fee from the mortgage proceeds.
Can a mortgage broker from Richmond Hill get you better rates than the banks? Can a mortgage broker get you a better interest rate?
Mortgage broker services have access to multiple lenders outside of banks, giving you a wide variety of rates and options! Most of the time the broker’s rates will be lower, but from time to time your bank may be aggressively seeking new mortgages and their rates may be similar.
Is it worth getting a mortgage broker?
I might be biased but of course, you should! I couldn’t imagine navigating the complicated process of residential mortgages without a broker. You probablydo a mortgage transaction only once every few years, whereas she may be placing hundreds of mortgages every single year. Why not get that experience and knowledge working for you – and with banks and A-lenders there will no cost or fees for this expertise.
How do you get a mortgage broker?
You’ve made a great start by finding this page. Reach out to us and you’ve started the process!