Apply For a MortgageBook your free mortgage consultation
Looking for a mortgage broker in Toronto? Ross Taylor Mortgages is the leading mortgage broker in Toronto, Ontario. 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 Toronto and the GTA.
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. All meetings and discussions are now held by phone, email, chat, or video calls. Book your free mortgage consultation today.
Over 500 5-star reviews from our clients!
Toronto Location
567 Roehampton Ave Unit 28, Toronto, ON M4P 1S5
We also have locations in Mississauga, Richmond Hill, and Ottawa.
Contact Info
Hours of Operation
8:30 AM – 6:00 PM
8:30 AM – 6:00 PM
8:30 AM – 6:00 PM
8:30 AM – 6:00 PM
8:30 AM – 6:00 PM
8:30 AM – 2:00 PM
CLOSED
How can we help you?
Use this form to tell us about your situation. If you have any questions, please add them to your message. We look forward to connecting with you 🙂
Voted Best Mortgage Broker in 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.”
Get quick answers to your questions, no matter how difficult – 7 days a week.
P1: What You Need To Know About Cosigning a Mortgage
The many ways we support our clients
Ross Taylor Mortgages Toronto specializes in difficult mortgages and will work with you to get the best mortgage available. Here are some of the many reasons why you should work with us:
- Access to top A lenders and a wide selection of reputable private lenders.
- Clear and honest communication through every step of the process.
- Support through your down payment strategy.
- We secure your pre-approval.
- We lock in the best interest rates for you.
- Our expertise allows us to secure favourable terms from top lenders.
- We take the time to understand your short—and long-term financial goals so we can negotiate the most favourable mortgage terms for you.
P1: What You Need To Know About Cosigning a Mortgage
Toronto News Articles
P1: What You Need To Know About Cosigning a Mortgage
Big Changes Coming To Canada’s Mortgage Rules: 8 Things You Need ...
How Can You Avoid Falling for the Wrong Private Mortgage Deal?
Don’t Delay: Tips for Young Torontonians Filing Income Tax Return...
Toronto Mortgage Services
Ross Taylor Mortgages offers comprehensive mortgage services across Toronto and the GTA, specializing in securing the best terms for first-time buyers, refinancing, and challenging credit situations.
With decades of experience, we navigate complex mortgage landscapes to ensure you receive favourable rates and terms tailored to your financial needs.
Trust us to guide you with clarity and precision at every step, from pre-approval to final signing. Whether upgrading your home or buying your first, choose Ross Taylor Mortgages Toronto Broker for a seamless mortgage experience. Book your free mortgage consultation today.
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.
Difficult Mortgages
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.
Expert Advice & Guidance
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.
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.
Residential Mortgages
We deal exclusively in residential mortgages but can point you in the right direction for a commercial mortgage.
Reverse Mortgages
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 Mortgage
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.
Mortgage Renewal
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.
Self-Employed Mortgages
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.
Featured Newsletters
Catch up on our most recent newsletter editions. We’re committed to helping you understand the nuances of the market, manage your finances wisely, and achieve your homeownership goals with confidence.
Frequently Asked Questions
What area's do you serve 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.
Can a mortgage broker from Toronto 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.
Why choose Ross Taylor Mortgages Toronto?
A two time national award winner, our services are ideal for first-time homebuyers, investors, homeowners approaching a mortgage renewal, and also any homeowner facing challenging circumstances such as inadequate credit or overwhelming debt.
At Ross Taylor Mortgages we offer low-interest rates, customized solutions, and dependable guidance throughout the entire mortgage financing process. We specialize in difficult mortgages and work tirelessly to get you the best mortgage possible for your unique circumstances.
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, don’t worry, we are uniquely positioned to help you. Ross is also a registered Insolvency Counselor and is known across Canada as THE mortgage broker to work with if this is your situation. 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.
What kind of support can you expect from us?
Ross Taylor Mortgages has always been passionate about educating and assisting Canadians with financial matters. Our website was the first in Canada to publish and offer a free Trigger Rate Calculator at a time when Canadians desperately needed answers to pressing questions about their variable mortgages.
Ross and his team are 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.