Local Mortgage Broker
Mortgage broker in Toronto, Ontario
Helping Toronto buyers, refinancers, and renewers across Ontario. Free service. Same-day pre-approvals. Speaks English, Hindi, Punjabi.
See how Rahul helps buyers across Ontario.
★★★★★ 320+ five-star reviews · NS Broker #3000996 · NB License #260008857 · AB RECA #LIC-00668583 · BC Broker #MB612306 · Ontario License #M26001833 (FSRA) · 50+ lenders · Free service
Licensed in Ontario — License #M26001833 (FSRA). Also licensed in NS, NB, AB & BC.
What to expect buying in Toronto in 2026
Toronto is Canada's largest and most policy-sensitive housing market — roughly 2.9 million people in the city and close to 7 million across the GTA. The market splits hard: detached family housing in Leaside, Etobicoke, North York, and Scarborough sits well above $1.3M, while condo product in Liberty Village, King West, the Distillery District, and the Yonge–Eglinton corridor has softened enough to give first-time buyers a genuine entry point under $600K.
Every Toronto purchase clears two land transfer taxes — the provincial Ontario LTT and the Toronto Municipal LTT — which effectively doubles the cash tax due on closing day. A $900,000 purchase carries roughly $14,475 provincial plus about $13,760 municipal before rebates. First-time buyers can claim up to $4,000 provincially and up to $4,475 municipally, for $8,475 combined. We put those numbers on the table before you write an offer, not after.
Rahul is Ontario-licensed (License #M26001833, FSRA) and handles Toronto files remotely from the Bedford, NS office — secure document upload, e-signed commitments, evenings and weekends on Eastern time.
Services we offer in Toronto
First-time home buyers
Down payments, the FHSA, HBP, and getting your offer accepted.
Learn moreSelf-employed mortgages
T1 doesn't tell the whole story. We find lenders who get it.
Learn moreNew to Canada mortgages
PR, work permit, foreign income. Service in English, Hindi, Punjabi.
Learn moreBad credit & complex files
B-lenders, private lenders, and credit rebuild paths.
Learn moreRefinance
Pull equity, consolidate debt, fund a renovation.
Learn moreRenewal
Don't auto-renew. We shop your renewal 4 months out.
Learn moreLocal context that matters
Toronto neighbourhoods we serve
- Liberty Village
- King West
- Yonge–Eglinton
- Leaside
- The Danforth
- North York
- Etobicoke
- Scarborough
- The Junction
- Distillery District
- Full remote service across the City of Toronto and the wider GTA — no office visit required.
- We model both the provincial and Toronto municipal land transfer tax, plus both first-time buyer rebates, before you write.
- Condo status certificates, maintenance-fee ratios, and small-unit size limits all affect lender appetite — we screen the building, not just the borrower.
- Self-employed, commission, bonus, and RSU income handled routinely — T1 rarely tells the whole story in Toronto.
- Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English.
Nearby areas we also serve
What Toronto clients say
“We had no idea Toronto charges land transfer tax twice. Rahul had the full closing-cost sheet with both rebates applied on our first call — we adjusted our offer price the same week.”
“Incorporated for six years, two banks declined me on paper income. Rahul used two years of business financials with a lender who actually reads them and we closed on the Leaside house.”
Why Toronto homeowners choose Rahul
- Licensed in Ontario (License #M26001833, FSRA) — fully credentialed for Toronto mortgages.
- Both land transfer taxes and both first-time buyer rebates modelled up front, so cash-to-close never surprises you.
- Condo-building screening — we check the status certificate and lender appetite before the financing condition clock runs.
- Self-employed, commission, bonus, and RSU income structured properly across 50+ lenders including B and private.
- Free, lender-paid service — evenings, Saturdays, and WhatsApp answered on Eastern time.
FAQ
How much land transfer tax will I pay in Toronto?
Two of them. The provincial Ontario Land Transfer Tax runs on a sliding scale from 0.5% to 2.5%, and the City of Toronto charges a near-identical Municipal Land Transfer Tax on top. On a $900,000 purchase that's roughly $14,475 provincial plus about $13,760 municipal — around $28,000 in cash on closing. First-time buyers can claim up to $4,000 provincially and up to $4,475 municipally.
Do I qualify for the Toronto first-time buyer rebates?
You must be 18 or older, a Canadian citizen or permanent resident, have never owned a home anywhere in the world, and occupy the property within nine months of closing. If your spouse owned a home during your relationship, your rebate can be reduced or eliminated. We confirm eligibility before you write, because it can be worth $8,475 in cash.
Are Toronto condos harder to finance?
Some are. Lenders look at unit size (many won't insure under 500 sq ft), maintenance-fee ratios, the reserve fund, the percentage of rented units, and any litigation in the status certificate. We screen the building alongside your application so a financing condition doesn't fail on the property rather than on you.
Can you handle self-employed or bonus/RSU income in Toronto?
Yes — it's a large part of our Toronto book. Incorporated business owners, commissioned sales, and tech compensation with base plus bonus plus RSUs all get treated inconsistently between lenders. We know which lenders average which components and over what period, and place the file accordingly.
Are you actually licensed in Ontario?
Yes — Ontario mortgage broker/agent License #M26001833 with FSRA. Rahul is also licensed in Nova Scotia (#3000996), New Brunswick (#260008857), Alberta (RECA #LIC-00668583), and British Columbia (#MB612306, BCFSA). Toronto files are handled fully remotely.