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Get the Best Mortgage Solutions for Your Specific Case

We at Everything Mortgages are aware of the uniqueness of each borrower and are ready to offer you a tailored option for succeeding.

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Explore Our Mortgage Solutions

Private Mortgage

Are you looking for strategies to take advantage of your home's equity without having to sell it? With the help of our private mortgage options, you may keep ownership of your house while achieving your financial objectives.

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Second Mortgage

Are you considering applying for a second mortgage in Canada? Here at Everything Mortgages, we can help you sort through the intricacies and identify the best options for your requirements.

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B Lender Mortgage

Having trouble getting approved for a mortgage because of irregular income or credit problems? Flexible lending options catered to your individual financial circumstances are provided by a B-lender mortgage.

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Self Employed Mortgage

Unlock your aspirations of becoming a homeowner with a self-employed mortgage!

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Investment Property

Are you trying to figure out how to make the most of your investment property? You don't have to sell your house to get the money you need thanks to our customized financing options.

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Reverse Mortgage

Looking for a way to unlock the equity in your home? With a reverse mortgage in Canada, you can access the funds you need for your retirement without having to sell your house.

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Purchase Plus Improvements Mortgage

Searching for a house that requires renovations? With a Purchase Plus Improvements Mortgage in Canada, you can finance the cost of renovations as well as the purchase of your house with a single loan.

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Alternative Lenders

Conventional lenders sometimes take a one-size-fits-all approach, but what if your source of income is not a steady wage but a business, freelance, artwork or anything else? Unconventional entrepreneurs like you can achieve your dream of homeownership with the help of alternative mortgages.

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First-Time Homebuyer Mortgage

Want to buy your first home but don’t have financing? Everything Mortgages is here to assist you with the process and identify the most suitable mortgage options for your needs.

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Mortgage Refinance

Are you considering mortgage refinancing in Canada? At Everything Mortgages, we can help you find better deals.

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Bad Credit Mortgage

Want to get a mortgage with a bad credit? Everything Mortgages is here to help you navigate the challenges and find the best solution.

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Debt Consolidation Mortgage

Are you having trouble managing several high-interest bills and seeking a method to streamline your money matters? You may need a debt consolidation mortgage in order to take back control of your finances and establish stability.

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Home Equity Line of Credit

Need cash for a dream kitchen, unexpected bills, or even college tuition? At Everything Mortgages, we can help you get a home equity line of credit (HELOC).

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Home Renovation Mortgage

Want to transform your home with renovations while managing your mortgage efficiently? Everything Mortgages is here to guide you through the process.

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Mortgage Renewal

Do you want to get better rates and renegotiate your mortgage terms? Everything Mortgages is your guide to a stress-free mortgage renewal process.

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Get a free personalized quote today!

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Exploring Mortgage Options

A mortgage is a loan that you get for owning a home and it has several options. Picking the proper option for your specific situation is crucial. There is a range of choices that you can make which will influence your overall financial well-being. To secure a stable and favourable financial status make sure to make a conscious and well-thought-out choice and let us help you out. 

  • Fixed-Rate Mortgages
  • Variable-Rate Mortgages
  • Adjustable-Rate Mortgages (ARMs)
  • High-Ratio Mortgages
  • Fixed Interest Rates
  • Variable Interest Rates
  • Adjustable Interest Rates
  • Prime Interest Rates
  • Low Down Payments (5-10%)
  • Standard Down Payments (20%)
  • High Down Payments (25% or more)
  • Zero Down Payments (for special programs)
  • Pre-approval
  • Find home
  • Make offer
  • Mortgage application
  • Underwriting
  • Appraisal
  • Closing

Frequently Asked Questions

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What types of mortgage solutions do you offer?

We offer many mortgage solutions tailored to your specific needs. Some of our solutions include:

  • Self-Employed Mortgage
  • First-Time Homebuying
  • Mortgage Refinance
  • Bad Credit Mortgage
  • Alternative Lenders
How do I know which mortgage product is right for me?

Before choosing a proper mortgage for your goals, we thoroughly understand your situation and assess your financial situation.

What is the process for applying for a mortgage with your company?

Filling out a thorough application that includes information about your preferred home, work history, and financial status is the first step in the mortgage application process. Lenders need this information in order to determine your eligibility and suggest appropriate mortgage solutions. Next, collect any required paperwork, such as identification, bank statements, tax returns, credit reports, and evidence of income. The approval procedure is streamlined with accurate and comprehensive paperwork. Lastly, arrange a meeting with your mortgage broker or lender to talk over your financial objectives, go over mortgage options, and get individualized advise based on your unique situation.

How long does it typically take to get approved for a mortgage?

Numerous significant factors, including the financial status, the documents, and other requirements, can significantly impact how long the procedure takes. In the best-case situation, it may take a few weeks or up to several months.

Are there any fees associated with your mortgage services?

Fees can vary depending on the services provided. Common fees include application fees, appraisal fees, and legal fees.

What documentation will I need to provide when applying for a mortgage?

Usually, you’ll need documentation of your identity, assets, liabilities, job, and income. Certain needs can change.

How can I get personalized mortgage advice tailored to my financial situation?

Consult with a mortgage broker or lender to receive personalized advice based on your unique circumstances.

Can you explain the different types of mortgages in simple terms?
  • Fixed-rate mortgage: Your interest rate stays the same for the entire term.
  • Variable-rate mortgage: Your interest rate can change based on market conditions.
  • Insured mortgage: Required for down payments below 20% to cover the lender’s risk.
How do I check my eligibility for a mortgage with your company?

Contact your broker directly to discuss your eligibility criteria.

What should I do if I have been declined a mortgage elsewhere?

Review the reasons for the decline and consider improving your credit score or increasing your down payment.

How can I track the progress of my mortgage application?

To keep informed about the progress of your application, be in constant contact with your broker.

What steps can I take to improve my chances of mortgage approval?

Improve your credit score, save for a larger down payment, and reduce your debt-to-income ratio.

How do you ensure the security and privacy of my personal information during the application process?

Strict privacy rules are followed by lenders and brokers to safeguard your information.

What happens after my mortgage application is approved?

You’ll typically proceed to closing, signing legal documents, and transferring ownership of the property.

Amy Asadullah

Toronto, Ontario

A++++.
I had the pleasure of working with Manzeel at Everything Mortgages. After dealing with 2 other brokers, Manzeel made this purchase happen for me and my family. He has been professional, approachable and sincere. I couldn’t be happier and highly recommend him.

Hovig Tchaderian

Toronto, Ontario

I was extremely pleased with the service I received!! The communication from start to finish could not have been any better.
I would recommend the whole team for anyone that’s looking for a mortgage!!
Thanks again!

Sarah Paul

Toronto, Ontario

My experience with Everything Mortgages was excellent. My mortgage broker was very knowledgeable, professional, and personable. Also, the process was smooth and uncomplicated. I would recommend Everything Mortgages for any type of buyer, new or seasoned, residential or commercial.

Varun Kalia

Canada, Toronto

Manzeel and his team at Everything Mortgages are fantastic! Buying a house can be quite an ordeal but these guys made it stress free and painless. Not only did they take the time to answer all the questions I had but they were also respectful and diligent in keeping me informed through out the closing process. They were mindful of my time and worked around my schedule. It was an excellent experience from end to end. I highly recommend them for anyone in need of a mortgage. Thanks Manzeel and team!

Rahee G

Canada, Toronto

My experience with Everything Mortgages was excellent. Manzeel and his team are best in class. They were very professional and really simplified the process for me. I would recommend Everything Mortgages for everyone!

Melissa Emond

Toronto, Ontario

I’ve personally dealt with Everything Mortgages for years now and they have done many transactions for me (purchases and refinances). They are competitive, tech savvy, and trustworthy. I highly recommend them for all your mortgages needs.