About Everything Mortgages

Mortgage solutions for straightforward approvals and complex files that don’t fit the bank box.

Who We Are

Everything Mortgages is a Toronto-based mortgage brokerage helping clients across the GTA and Ontario navigate today’s lending landscape with clarity and confidence.
Whether you’re buying your first home, renewing, refinancing, or building a real estate portfolio, our role is to find the mortgage that fits your goals — not just a single lender’s guidelines.

We work with a broad network of lenders, including:

A Lenders

B / Alternative Lenders

Private Lenders

Commercial Lenders

What We Do

Many clients reach out after hearing “no,” “not yet,” or “come back when…” from a bank. That’s often where we can add the most value — by restructuring the deal, using the right lender, and presenting the full story clearly.

Common situations we help with

  • Complex deals that don’t fit traditional bank guidelines
  • Self-employed borrowers with strong cash flow but lower reported personal income
  • First-time homebuyers aiming for minimum down payment and an attractive rate
  • Investors with multiple properties and expanding financing needs

Additional scenarios we regularly assist

  • Bruised credit — when past credit challenges make bank approval difficult
  • Borrowers without traditional income — using equity and alternative qualifying methods where appropriate
  • Refinances for debt consolidation, renovations, or investment plans
  • Time-sensitive closings where speed and execution matter

Our Approach

  • Clear communication: you’ll always know what’s happening and what’s needed next.
  • Smart lender matching: we compare options based on rate, terms, qualifying method, and overall fit.
  • Strong execution: we handle the details and documentation so your closing stays on track.
  • Real advice: we’ll explain trade-offs so you can make informed decisions with confidence.

We’re proud to be highly rated by our clients, including a 4.9-star average with 100+ Google reviews as shown on our website.

Founder image

About the Founder

Manzeel Patel — Mortgage Broker

Mortgage Broker, LIC M11002628 (Level 2)

Everything Mortgages is led by Manzeel Patel, an award-winning mortgage broker with deep lending expertise and a background in mortgage underwriting. His experience provides unique insight into how lenders assess risk, what makes a deal feasible, and how to structure applications so clients can move forward faster and with more certainty.

Manzeel has been recognized as one of Canada’s Top 10 Mortgage Brokers by the national Canadian Mortgage Professionals (CMP) Association. Along with a team of mortgage agents, the brokerage is built on honesty, trust, and integrity — with an emphasis on delivering an excellent client experience from pre-approval to post-funding.