Skip to content
Retail · Owner-occupied

Ontario home mortgages

Who are these pages for?City pages for the home you live in — Toronto to Windsor. Pre-approvals, renewals, refinances, and self-employed files, shopped across 50+ lenders.

Lenders
50+
Rate hold
120-day
Cities
10
Occupancy
Owner-occ
50+
Lenders shopped
120-day
Free rate hold
80%
Max refinance LTV
Owner-occ
Not investment underwriting
Retail · Owner-occupied

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.

  • № 01

    Purchase and pre-approval

    Insured high-ratio and conventional 20%+ down. We shop 50+ Canadian lenders for a free 120-day hold.

  • № 02

    Renewal and switch

    Start 120 days before maturity. At term-end there is no IRD penalty to leave a posted-rate auto-renew.

  • № 03

    Rate-and-term refinance

    Lower the rate or reset the term without taking cash out. Penalty math lives on the refinance page.

  • № 04

    Self-employed income

    Two-year NOA averages, add-backs, and alt-doc — still for the home you occupy, not a rental portfolio.

“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…”

River Schauber

Read the full review

“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…”

Camille Jordaan

Read the full review

“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”

Kelly RCO

Read the full review

“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”

val almeida

Read the full review

“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”

Brandon

Read the full review

“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”

Rose Laflamme

Read the full review

“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…”

Margaret Z

Read the full review

“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”

Savanna Campbell

Read the full review
FAQQ & A

Ontario home mortgage FAQs

City pages, product paths, and how this hub differs from investment markets.

Ontario home mortgage FAQs

Homeowners and buyers who live in the property — purchases, renewals, refinances, and self-employed qualification. Rental and commercial files belong on investment market guides, not here.
Residential Rates lists 1–4 unit rate ranges. This hub is the Ontario retail landing for city pages plus refinance, equity takeout, and self-employed product paths.
Yes. We shop 50+ lenders for a free 120-day rate hold on owner-occupied files.
Not for rentals. Investment underwriting lives under /markets/ and the commercial/DSCR desks. Use the city page only for the home you occupy.

Next steps

City broker pages mix homeowners and investors. This hub and its city children are owner-occupied only — purchases, renewals, refinances, and self-employed packaging for the home you live in.
Yes, on owner-occupied files we shop 50+ Canadian lenders for a free 120-day hold. Start a renewal 120 days before maturity so you can switch with no IRD penalty.
On Residential Rates. This hub is the Ontario city and product landing — not a second rates table, and not a 301 into commercial or CMB.
Use the self-employed Ontario page for NOA averages, add-backs, and alt-doc. The city page still applies for the property; the product page packages the income.

Get an Ontario rate hold

Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.

Buying Your First Home?

For a primary residence, First Home Guide covers the full journey. For investment property, book a LendCity™ strategy call.

We use privacy-friendly analytics (no ad tracking). Calculator settings are saved on your device. See our Privacy Policy .