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Explore Our Mortgage Services

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Residential Mortgage

Whether you are a first-time home buyer or considering refinancing your home? We offer quick pre-approval mortgages and access to Ontario's most competitive interest rates.

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Commercial Mortgage

Whether you're looking for financing for a commercial property, we've got you covered.

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Private Mortgage

If you're having trouble qualifying for a mortgage through traditional institutions, don't worry. A private mortgage could be the solution you need.

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Reverse Mortgage

If you're aged 55 or older, a reverse mortgage allows you to retain ownership of your home, with the mortgage only repaid when you sell the property.

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Construction Financing

Secure the funds you need to bring your construction projects to life. We offer tailored financing solutions to support your construction endeavors, ensuring your vision becomes a reality.

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Business Loans

Grow your business with our flexible and competitive business loan options. We understand the unique financial needs of businesses and provide tailored solutions to fuel your growth and success.

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BRRRR (Buy, Rehab, Rent, Refinance, Repeat)

Invest wisely with the BRRRR strategy. Buy distressed properties, renovate, rent for income, refinance to unlock equity, and repeat the process. Build your real estate portfolio strategically with our guidance.

See the latest mortgage rates in Ontario and find the best deal

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HOW IT WORKS

Mortgage Process

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Initial Discussion

In this phase, we get to know you as a candidate and decide the best way to help you reach your financial and real estate objectives.

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Pre-Approval

In this phase, we check your application, supporting paperwork, and credit reports at this step to make sure they can support a mortgage approval. We also choose the ideal lenders based on your requirements.

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Conditional Approval

We work with the chosen lender throughout this phase to process and complete your conditional mortgage approval before closing your transaction.

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Closing Date

Once all of the documents have been received and approved by underwriting, they will issue a "clear to close" letter. This means that all loan requirements have been met.

HOW IT WORKS

Promotion

Why Work with Us

As a mortgage agent with over 9 years of experience, I offer one-of-a-kind solutions for every situation. I have access to over 50 lenders and banks, including some that have better deals than the top 5 banks. I am the preferred choice for many realtors, builders, business managers, and CPAs in the Greater Toronto Area and Ontario. I am a multi-award-winning and top volume mortgage agent at Centum Liberty Mortgage Corp, with an outstanding reputation of over 100 5-star Google reviews. I live and breathe mortgages, and I can help you navigate the process with ease.

  • Up to $1,000 Legal Fees Reimbursement When You Close a Mortgage With Us!

  • REFER A FRIEND AND GET $1000 - $1000 Referral Fee Upon Closing

  • RECEIVE $2,500 CASH BACK - $2,500 Cash Back When You Close a Mortgage With Us!

Sam SeoSam Seo
14:21 24 Sep 23
Thank you for professional work!
Neil LitigioNeil Litigio
18:49 15 Sep 23
Esi is always professionsl, efficient & friendly. We have always used him for all our financial needs for our purchases and he has always delivers,he makes the difference when closing a purchase to make it FIRM! we look forward to our next one....Sept. 15/ 2023Esi continues to be the consummate professional. Having helped me to continue investing in these difficult economic times. I believe Esi has the right knowledge, experience and know how to get it done. I am very happy with his dedication and service, I continue to look forward to the next one....
Chris3Chris3
21:24 12 Sep 23
Esi has to be one of the most professional mortgage brokers in the GTA. From the moment we first talked on the phone I knew I was going to be taken care of properly. And that he did, he made the whole process easy for me. Explaining everything in detail so I understood what was going on, making sure I was always happy, answering all my questions and getting me the best rates. Highly recommend Esi for his professionalism!
Erfan GenieErfan Genie
20:32 11 Sep 23
I recently had the pleasure of working with Esi, and I cannot express how satisfied I am with the service I received. The mortgage process became an absolute breeze. Thanks to him, I am now a proud homeowner with a mortgage that perfectly aligns with my financial goals. I wholeheartedly recommend working with him to anyone seeking mortgage services. Working with him has been a game-changer in my homeownership journey.
Meysam TavassoliMeysam Tavassoli
16:37 11 Sep 23
I had the best experience working with Esi as my mortgage broker. He made getting a mortgage for my new home incredibly easy and stress-free. Esi is super helpful and trustworthy. I only had to provide a few documents, visit his office for one quick signature, and he took care of everything else. The closing process was smooth, and he handled all the details. I can't thank Esi enough, and I highly recommend him to anyone looking for a mortgage. Thanks to him, I'm now enjoying my new home with peace of mind!
Mehran LiaghatmandMehran Liaghatmand
02:15 09 Jun 23
No doubt that Esi is the best mortgage broker in GTA. He made our process very easy without stress and also his honestly helps clients a lot. I’m happy with my first purchase and would continue working with him definitely.
Zachary J . HalpernZachary J . Halpern
19:27 16 May 23
Mr Esi Ghassemi has shown over and over again that he is an honest, resourceful, and very very knowledgeable mortgage agent/broker. He has helped multiple clients get the best suitable rates wether standard mortgages or construction financing. I highly suggest reaching out to him for your financial needs. Happy to leave a review.
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Frequently asked questions

What is a mortgage, and how does it work?

A mortgage is a loan used to purchase a home or real estate property. In Ontario, you borrow money from a lender (typically a bank or a mortgage broker) to buy a home. You then repay the loan over a specified period with interest. The property you purchase serves as collateral, and if you fail to make payments, the lender can take possession of the property through a legal process called foreclosure. Meaning, one portion of the term can have a fixed rate with the remaining of the mortgage loan having a variable rate. With a fixed interest rate, the individual can be put at ease since they know what to expect for the entire term of the mortgage loan. It is a great way to avoid the risk that comes with a variable interest rate. Variable rates as the name suggest can vary throughout the term of the mortgage loan and sometimes even unexpectedly.

What types of mortgages are available in Ontario?

There are several types of mortgages available in Ontario, including fixed-rate mortgages, variable-rate mortgages, open mortgages, closed mortgages, and more. Each type has its advantages and disadvantages, so it's important to choose the one that suits your financial situation and goals.

How do I qualify for a mortgage in Ontario?

To qualify for a mortgage in Ontario, you'll typically need to have a stable income, a good credit score, a reasonable debt-to-income ratio, and a down payment. Lenders will assess your financial situation to determine your eligibility and the amount you can borrow.

What is the minimum down payment required to buy a home in Ontario?

The minimum down payment in Ontario depends on the purchase price of the home. For homes under $500,000, the minimum down payment is 5% of the purchase price. For homes between $500,000 and $999,999, it's 5% of the first $500,000 and 10% of the remaining amount. For homes over $1 million, a 20% down payment is typically required.

What are the current mortgage interest rates in Ontario?

Mortgage interest rates can vary, and they are influenced by various factors, including the Bank of Canada's policy rate, your creditworthiness, and the type of mortgage you choose. It's best to check with lenders or mortgage brokers for current rates and options.

Are there any government programs or incentives for first-time homebuyers in Ontario?

Yes, Ontario offers several programs and incentives for first-time homebuyers, such as the First-Time Homebuyer Incentive and the Land Transfer Tax Rebate for first-time buyers. These programs can help reduce the financial burden of purchasing your first home.

Can I refinance my mortgage in Ontario, and what are the benefits of doing so?

Yes, you can refinance your mortgage in Ontario. Refinancing can help you access your home's equity, lower your interest rate, or adjust your loan term. The benefits depend on your financial goals and the terms of the new mortgage.

What is the difference between a fixed-rate and a variable-rate mortgage, and which one is right for me?

A fixed-rate mortgage offers a stable interest rate throughout the term, while a variable-rate mortgage's interest rate fluctuates with market conditions. The choice depends on your risk tolerance and whether you prefer the stability of a fixed rate or the potential savings of a variable rate.

What fees and closing costs should I be aware of when getting a mortgage in Ontario?

When getting a mortgage in Ontario, you should be aware of closing costs, which may include land transfer tax, legal fees, appraisal fees, mortgage broker fee, and mortgage insurance premiums (if your down payment is less than 20%). These costs can add to the overall expense of purchasing a home, so it's essential to budget for them.

Ready to get started? Apply now and get pre-approved in minutes!