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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
“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…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“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…”
Everything you need to know about mortgage solutions for toronto and the gta.
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