Book Your Free Consultation
Our services are ideal for first-time homebuyers, investors, and anyone facing challenging circumstances such as inadequate credit or overwhelming debt.
Book Your Free Consultation
Our services are ideal for first-time homebuyers, investors, and anyone facing challenging circumstances such as inadequate credit or overwhelming debt. A two time national award winner, we specialize in difficult mortgages and FTHB’s and work tirelessly to get you the best mortgage in the GTA and beyond.
At Ross Taylor Mortgages we offer low-interest rates, customized solutions, and dependable guidance throughout the entire mortgage financing process.
Ross is dedicated to providing helpful information, personal insights, and genuine advice for all who seek it. If you’re looking to get a mortgage or planning a home purchase and need to know what you can afford, our clients will unanimously say Ask Ross.
567 Roehampton Ave Unit 28, Toronto, ON M4P 1S5
Corporate Office 5050 Dufferin Street, #216, North York, ON M3H 5T5
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What would you like to speak about?
- First Time Home Buyer
- Private Mortgage
- Second Mortgage
- Self Employed Mortgages
- Mortgage Renewal
- Mortgage Refinancing
- Credit Repair
- Reverse Mortgages
Read Our Clients Testimonials
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.
Ross is dedicated to providing helpful information, personal insights, and genuine advice for all who seek it. If you’re looking to get a first mortgage or planning to buy and need to know what you can afford, our clients will unanimously say Ask Ross.
Voted The Best Toronto
“We find their services to be very ideal for both first-time buyers and private lenders since they are able to offer low-interest rates, customized solutions, and thorough guidance when it comes to the whole process.”
– The Best Mortgage Brokers In Toronto
Etobicoke, Mississauga, York, East York, North York, Toronto & East and Scarborough.
Midtown, Downtown, Beaches, Liberty Village, Leaside, Leslieville, Cabbagetown, Corktown, Distillery, Danforth, Riverdale, North Toronto, Rosedale, Summerhill, Bloor West Village, High Park, The Junction, Parkdale, and everywhere in between.
Our Toronto Based Mortgage Brokers Offer the Following Services
The Best Mortgage Rates
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 mortgage lenders.
In the fixed rate vs. variable rate debate, we’ll fit you with the right mortgage depending on your needs. If you’re concerned with 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.
Mortgage Refinancing Services
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 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.
We deal exclusively in residential mortgages but can point you in the right direction for a commercial mortgage.
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.
Second mortgages are loans against the equity of your home. They are 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.
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.
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.
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 understand your situation and have helped many self-employed clients get a mortgage.
Why Work With Us?
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 have expertise in dealing with credit cards, line of credit, and home equity loans (heloc).
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.
Can I still buy a home in Toronto with a mortgage if I have bad credit?
There is always a potential to become a homeowner and breach the housing market. The first thing we have to do is run your numbers and find out what our options are. We have access to private lenders and credit unions who will qualify you under less strict debt service ratios and with a lower credit score. If not, we can work together to help your financial situation and get you approved for a mortgage.
Are commercial mortgage brokers and residential mortgage brokers the same thing?
Ross Taylor Mortgages specializes in residential mortgages. We do not currently offer solutions for commercial mortgage needs.
Why does it take so long for big banks to pre-approve me for a mortgage?
When working with a bank, you sometimes lose the personal touch you get with a mortgage broker. We have created relationships with our lender partners to make sure we can offer the best services possible.
How much do mortgage brokers make in Toronto?
Mortgage brokers do not charge an outright fee for mortgages. We take a percentage from the loan amount. Regardless of where you purchase a home, the commission will be the same percentage of the total. When looking at private lenders, there are fees associated but not location-based.
It wouldn’t matter if you were trying to fund in Ottawa; the percentage would be the same.
How much does a mortgage broker earn in Ontario?
Mortgage agents make a commission based on the mortgage products borrowers are offered. We get paid a percentage of the total loan. This fee is built into the mortgage amount and doesn’t come out of homeowners’ pockets!
What does a mortgage broker do?
Essentially, we take on all the complicated processes of borrowing a massive amount of money from our lenders. There are dozens of documents that need to be sourced, verified, and produced before a lender will even consider loaning you money. We take your entire financial situation and package it for our lenders to understand, so we can get you approved and into your home as quickly as possible.
What are the qualifications for a mortgage broker?
All mortgage brokers must first take a course to become a licensed mortgage agent, have two years of experience in the field, then take a two-phase course provided by FSRA to become a mortgage broker.
What is the difference between a mortgage broker and a bank?
The largest difference you will see between a mortgage broker and a bank is the access to lenders. The banks will offer you rates and services provided within their corporate structure, whereas mortgage brokers can shop around for the best rates possible, including those at the big banks.
What are the benefits of going to a mortgage broker?
Mortgage brokers have the unique perspective of offering you the best solutions with the widest range of lenders. We can discuss amortization, mortgage terms, lowest rates, what your mortgage payments will be if it’s best to pick a 5-year variable, and so many more options. We have the ability to offer you the right solutions to fit your goal within the mortgage industry.