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Mortgage Broker in Toronto, Ontario

Toronto is Canada's largest and most competitive real estate market. LendCity helps GTA homeowners and investors cut through the noise — shopping 50+ lenders to find the best mortgage rate and structure for your goals.

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1

Strategy Call

Discuss your mortgage and investment goals

2

Custom Solution

We shop 50+ lenders for the best fit

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Fast Approval

Pre-approved in as little as 24-48 hours

GTA Market Experts

Toronto's Real Estate Market Demands a Smarter Mortgage Strategy

Toronto's average home price is among the highest in Canada, and the investment landscape is equally complex. We work with 50+ lenders to structure mortgages that make the numbers work — whether you're buying your first condo in Leslieville or building a rental portfolio across the GTA.

Toronto
Market Focus
50+
Lender Partners
3 Countries
Canada, USA & Mexico
15+
Years Experience

Deep GTA Knowledge

From downtown condos to suburban detached homes in Scarborough, Mississauga, and Brampton — we understand the micro-markets across the Greater Toronto Area and how lenders evaluate each one.

50+ Lender Network

We don't work for one bank. We shop your mortgage across Canada's top banks, credit unions, monoline lenders, and alternative financiers to find you the lowest rate and best terms available.

Investment Property Specialists

Toronto's density and population growth create strong rental demand. We structure financing for condos, duplexes, triplexes, and multi-unit buildings across the GTA — including DSCR loans for scaling investors.

Competitive Rates

In a market where every basis point matters, we leverage our lender network to secure rates that outperform what the big banks offer. Your rate directly impacts your cash flow — we fight for every dollar.

First-Time Buyers in a Tough Market

Toronto's entry prices are high, but first-time buyers have options. We guide you through CMHC insurance, down payment programs, and the stress test so you can get into the market with confidence.

Self-Employed & Alternative Lending

Toronto's entrepreneurial economy means many buyers have non-traditional income. If the banks have turned you down, we work with lenders who look at your full financial picture.

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Our Services

Mortgage Solutions for Toronto and the GTA

From buying your first condo in Liberty Village to financing a multi-unit building in North York, we provide every type of mortgage financing Toronto residents and investors need.

Home Purchase

Toronto's housing market moves fast and prices are high — but you have more options than you think. Whether you're buying a condo in Yorkville or a detached home in Etobicoke, we find you the best rate across 50+ lenders so your monthly payment is as low as possible.

Explore Home Purchase Options

What's Included

  • As little as 5% down with CMHC insurance
  • First-time buyer program guidance
  • Pre-approval in 24-48 hours
  • Local knowledge of GTA neighbourhoods
  • Fixed and variable rate options

Investment Property

Toronto has one of the strongest rental markets in North America — vacancy rates stay low and rents continue to rise. We structure financing for condos, duplexes, triplexes, and apartment buildings across the GTA, using rental income to maximize your qualification.

See Investment Financing Options

What's Included

  • Rental income used for qualification (50-80%)
  • DSCR loan options for investors
  • Single-family to large multi-unit
  • Portfolio mortgage solutions
  • Cash flow analysis included

Refinance

Toronto property values have built significant equity for many homeowners. Refinancing can lower your rate, unlock capital for your next investment, or consolidate high-interest debt. We analyze the numbers to make sure it makes financial sense.

Explore Refinance Options

What's Included

  • Rate and term refinancing
  • Cash-out up to 80% LTV
  • Debt consolidation
  • Blend and extend options
  • Penalty buyout analysis

Self-Employed

Toronto is home to one of Canada's largest self-employed populations — from tech founders to freelancers to small business owners. If your tax returns don't reflect your true earning power, we work with lenders who accept bank statements, stated income, and business financials.

See Self-Employed Solutions

What's Included

  • Stated income programs
  • Bank statement verification
  • Business financial analysis
  • Gross-up programs for declared income
  • Alternative documentation accepted

DSCR Loans

Qualify based on the property's rental income — not your personal income. DSCR loans let Toronto investors scale their portfolios without hitting traditional debt service ratio limits, which is critical in a high-price market.

See How DSCR Loans Work

What's Included

  • Qualify on rental income, not personal income
  • Available for residential and commercial properties
  • No income documentation required
  • Multi-unit and commercial properties
  • Scale your portfolio without income caps

Toronto Mortgage Market Insights

Toronto is a market where strategy matters more than anywhere else in Canada. With average home prices well above the national median and intense competition for rental properties, investors need a mortgage structure that actually supports cash flow.

Whether you're exploring how to invest in Toronto real estate, trying to figure out how to actually cash flow in the Toronto market, or looking for commercial mortgage options in the GTA, our team brings the lender relationships and local expertise to make your deal work.
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FAQ

Questions About Mortgage Solutions for Toronto and the GTA

Everything you need to know about mortgage solutions for toronto and the gta.

Toronto Mortgage Basics

Your bank only offers their own products. As mortgage brokers, we shop your application across 50+ lenders — banks, credit unions, and alternative financiers — to find the lowest rate and best terms. In Toronto's high-price market, even a small rate difference can save you tens of thousands over the life of your mortgage.
For a primary residence, you need 5% down for homes under $500,000, then 5% on the first $500,000 and 10% on the remainder up to $1,499,999. For homes $1.5 million and above, you need 20% down. Investment properties always require 20% down. We help you explore all available options including gifted down payments and equity from existing properties.
Mortgage rates in Toronto follow national trends but can vary based on lender appetite for GTA properties. Because we work with over 50 lenders, we can often secure rates lower than what you see advertised. Contact us for a real-time quote based on your specific situation.
Both can work, but the strategy is different. Condos have lower entry points but come with condo fees that impact cash flow. Houses and multiplexes generally cash flow better, especially with secondary suites. We analyze the financing on both to help you decide what fits your investment goals.
Toronto buyers pay both Ontario and municipal land transfer taxes — making it one of the most expensive cities in Canada for closing costs. First-time buyers get rebates on both. We factor all closing costs into your pre-approval so there are no surprises.

Toronto Real Estate Investing

Toronto's fundamentals remain strong — massive population growth driven by immigration, chronic housing undersupply, and one of the lowest vacancy rates in North America. The key is structuring your mortgage correctly so the numbers work. That's where we come in.
High-demand rental areas include the downtown core, North York, Scarborough, and emerging pockets like Junction Triangle and Weston. The best neighbourhood for you depends on your budget, target tenant profile, and investment strategy. We help you model the financing for any area.
Yes. We finance duplexes, triplexes, fourplexes, and larger apartment buildings across the GTA. For buildings with 5+ units, we also offer CMHC MLI Select insured mortgages that can reduce your rate and increase amortization to 50 years.
Traditional lenders cap you at 4-5 rental properties. We use DSCR loans, commercial mortgages, and portfolio lending strategies to help investors break through those limits and continue scaling in the GTA market.

Process & Local Expertise

First-time buyers are a significant part of our business. We guide you through the stress test, CMHC insurance, the FHSA, Home Buyers' Plan ($60K RRSP withdrawal), 30-year amortization for all first-time buyers and new-build buyers, and both provincial and municipal land transfer tax rebates to minimize your upfront costs.
We pride ourselves on speed. For most files, we can get a pre-approval in 24 to 48 hours, so you can make competitive offers in Toronto's fast-moving market. In a multiple-offer situation, a strong pre-approval can make the difference.
Yes. We have a trusted network of Toronto real estate lawyers, home inspectors, and property managers. Our local connections ensure your transaction goes smoothly from offer to closing.

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