What these Ontario pages cover
Retail files for the home you live in. Rental and commercial underwriting stay on market guides and the investment desks.
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Purchase and pre-approval
Insured high-ratio and conventional 20%+ down. We shop 50+ Canadian lenders for a free 120-day hold.
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Renewal and switch
Start 120 days before maturity. At term-end there is no IRD penalty to leave a posted-rate auto-renew.
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Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math lives on the refinance page.
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Self-employed income
Two-year NOA averages, add-backs, and alt-doc — still for the home you occupy, not a rental portfolio.
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Residential rates
Owner-occupied and 1–4 unit rate ranges. Commercial and CMB pricing live on their own desks.
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Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math first.
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Home equity takeout
Pull cash up to 80% LTV from the Ontario home you occupy. Refinance vs HELOC compared.
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Self-employed mortgage
Two-year NOA averages, add-backs, and alt-doc paths for the home you live in.
Pick a city or product
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
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“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Ontario home mortgage FAQs
City pages, product paths, and how this hub differs from investment markets.
Ontario home mortgage FAQs
Next steps
Get an Ontario rate hold
Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.