What homeowners in Toronto ask us first
- Condo-heavy file mix downtown: status-certificate review and occupancy-closing timing matter more than in 905 suburbs.
- High-ratio purchases over $1M need 20% down and uninsured qualification — plan the gift-letter and deposit paper trail early.
- Switch at renewal to avoid posted-rate auto-renew traps from the big banks.
Own rentals in Toronto? Investor underwriting lives in our investment market guides — this page covers only the home you live in.
Owner-occupied paths in Toronto
The home you live in — not a second Toronto investment guide.
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Purchase / pre-approval
Insured or conventional purchase in Toronto with a free 120-day hold across 50+ Canadian lenders.
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Renewal / switch
Start 120 days before maturity so you can leave a posted-rate auto-renew with no IRD penalty.
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Refinance or equity takeout
Rate-and-term keeps the balance flat. Equity takeout pulls cash to 80% LTV. Both are uninsured.
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Toronto investment guides
Rental and commercial underwriting for Toronto lives on market guides — not this page.
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Toronto mortgage broker
Full-service city brokerage (homeowners and investors). This retail page stays owner-occupied.
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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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Ontario home mortgages
City pages for the home you live in — purchases, renewals, refinances, and self-employed files.
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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.
Ontario owner-occupied mortgages
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
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Toronto home mortgage FAQs
Owner-occupied purchases, renewals, and refinances in Toronto.
Toronto home mortgage FAQs
Next steps
Get your Toronto rate hold
Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.