Mortgage Broker Etobicoke | Easy House Loan
Realize your dreams today.
Get a mortgage from Easy House Loan. We offer Etobicoke, Toronto and Mississauga the best and most current mortgage rates today.
Explore your buying power.
There are multiple alternatives when you work with mortgage brokers at Easy House Loan, it is our mission to find you a solution for the lowest mortgage rate* with a tier 1 financial institution.
Get a $250.00 Amazon Gift Card when you use our services.
A Mortgage Broker in Etobicoke You Can Actually Get Approved With
We can easily assist homeowners and/or homebuyers to secure a mortgage in Etobicoke and the Greater Toronto Area for any of the following situations:
Best and Lowest Rate Solution
Alternative Solution
Short term Solution
How it Works
Best Mortgage Rates
Get the best rate that works for you.
Best Etobicoke Mortgage Rates
Prime rate: 4.45%
Discount: 0.85%
Variable Rate: 3.60%
Prime minus 0.85%
Fixed:
1 Year: 4.64%
2 Year: 4.04%
3 Year: 4.09%
4 Year: 4.19%
5 Year: 4.19%
10 Year: 5.24%
*conditions apply and rates are subject to change
The next Bank of Canada meeting is September 2, 2026
Our lowest rate for a variable mortgage is 3.60%. Contact us today to learn how you could get this rate.
Mortgage Calculator
There are a number of variables that come into play when calculating how much you can afford as a mortgage payment. Below is a simple tool you can use to calculate the mortgage payment based on the value of the home, your downpayment, interest rate and amortization (number of years it will take to pay off the mortgage).
Mortgage Broker Etobicoke
We Help Secure the Best Mortgages For:
Get our First-Time Home Buyer’s Checklist
First step to reducing mortgage stress, is knowing you have everything in order. In this ultimate guide, we cover every stage of buying your first home: financial & mortgage prep, house hunting, making the offer and closing.
Banks vs. Mortgage Broker in Etobicoke
Work with a Mortgage Broker in Etobicoke
If you’re buying or refinancing in Etobicoke right now, choosing between a bank and a mortgage broker isn’t just about convenience, it’s about strategy.
Etobicoke isn’t a one-size-fits-all market. Condos in Mimico, high-value homes in the Kingsway, investment properties. Each come with different lending requirements.
Compares multiple lenders (banks, credit unions, private lenders)
Banks offer their own in-house mortgage products. That means you’re limited to one lender’s rates and approval criteria
Approval is typically stricter, especially for: Self-employed borrowers, buyers with variable income, those carrying existing debt.
Access lower negotiated rates not publicly advertised
Banks don’t shop the market for you. And in a market where fixed rates are influenced by volatile bond yields and inflation uncertainty, the “posted rate” you’re offered isn’t always the most competitive.
Offer alternative lending solutions if the bank says no
Matches you with the best product based on your situation and can help structure deals banks may decline.
Get your best mortgage rate
Why choose a mortgage broker?
Consistency
The next time you need mortgage advice you have a better chance of seeing the same person than if you went with an advisor at the bank.
Expertise
Bank mortgage advisors aren’t exposed to the same training and regulations as conventional mortgage brokers.
Rates
Often the best mortgage rates are not with banks but with financial institutions that are only available thru mortgage brokers.
Availability
A mortgage broker is available to you outside of the normal banking hours. Getting you the best rate is their bread and butter.
Network
Experienced mortgage brokers have a circle of professionals with whom they work and they will make their clients benefits for it.
Frequently Asked Questions
Common questions about working with a mortgage broker in Ontario.
In most cases, nothing, the lender pays the broker’s fee, not you. Compensation is calculated as a percentage of the mortgage amount and is only paid once the transaction closes.
The structure varies by lender type. Banks and major lenders set the broker’s fee themselves. Alternative lenders may allow an additional broker fee on top. With private mortgages, the broker determines their fee based on deal complexity — and since private deals require more expertise, those fees tend to be higher.
In some situations a broker may request a retainer before starting work. There are strict regulatory rules under FSRA around when this is permitted. Occasionally, brokers will give back part of their commission by covering closing costs like legal fees, appraisals, or by securing a lower rate.
There’s no direct cost difference, you don’t pay a fee either way. The real difference is who’s working in your interest.
A mortgage broker may be more open to add some incentives to gain your business. Selecting a mortgage broker that will provide you added service is the key. Securing financing, especially for first-time homebuyers, is often the biggest financial decision of your lifetime. Relying on someone you know who has your your best interest is truly important.
A bank’s advisor represents one lender and one set of products. A mortgage broker shops your file across multiple lenders and is motivated to find you the best terms. Some brokers will also offer incentives —covering costs or negotiating a lower rate— to earn your business.
When evaluating brokers, read their reviews and ask for references. Don’t rule someone out because of location, the majority of mortgage transactions can be handled completely remotely.
A standard mortgage closes in 10 business days (roughly two weeks). Multiple parties are involved: your lawyer, appraiser, home insurer, and title insurer, and each needs adequate time to do their part properly.
Private mortgages and HELOCs can close faster, sometimes within a week.
To keep your closing on track: have your documents organized before the process starts, and confirm that both your lawyer and lender accept electronic signatures rather than wet signatures. It’s a small thing that can meaningfully speed things up.
Lenders we work with
Contact Us Today
"*" indicates required fields
5-Star Mortgage Broker in Etobicoke
Easy House Loan is a 5-star rated mortgage broker in Etobicoke, Toronto and Mississauga. Get Ontario’s best and most current mortgage rates today. The posted mortgage rate is subject to change at any time, but our team of mortgage professionals regularly monitor the rates for you so you can get the lowest mortgage rate possible. Secure financing on your residential or commercial property. Get a variable rate or fixed rate for blanket mortgages, mortgage refinancing and Home Equity Line of Credit. If you have bad credit, no income, or are looking for a second mortgage or third mortgage for your property, contact one of our Private Mortgage Specialists.
Read the latest from Easy House Loan
Pros and Cons of Extending Amortization
Feeling the renewal squeeze? Let’s talk amortization If your mortgage is up for renewal soon, you’re in good company. One strategy Canadians are leaning on: extending their amortization period. Amortization refers to the period of time in years that a borrower will take to repay the loan in full. When borrower enters his initial mortgage, […]
What affects mortgage rates in Ontario?
How are mortgage rates determined in Ontario? What affects fixed mortgage rates? Fixed mortgage rates are primarily driven by the bond market, specifically Government of Canada bond yields, since lenders use bonds to fund fixed-rate mortgages. When bond yields rise, fixed rates tend to follow; when they fall, fixed rates usually ease too. Related Read: […]
Mortgage Scams in the GTA
Mortgage scams are getting more sophisticated. Here’s what to watch for. If it feels like mortgage fraud warnings are showing up more often lately, that’s because they are. Ontario’s regulator has issued a string of public warnings this year about unlicensed individuals arranging private mortgages, and at least one recent GTA case involved a lender […]
Equity and Renewing Your Mortgage
The Bank of Canada dropped its latest Financial Stability Report this month, and one number is worth paying attention to: roughly 9% of GTA mortgage holders could have trouble refinancing when their mortgage comes up for renewal in 2027. If home prices dip another 10%, that number climbs to 12%. Don’t panic just yet: almost […]
Mortgage Renewal: 3-Year vs 5-Year Fixed Rate
Renewing soon and asking yourself ,”should I choose a 3-year or 5-year fixed mortgage at renewal?” You heard it here, the 3-year fixed rate mortgage is making a comeback. While variable rates have generally moved lower over the past year, fixed mortgage rates are being pushed around by bond markets and some lenders have already […]
Self-Employed Mortgage Woes: Here’s what you can do
In the GTA, “self-employed” covers a lot of ground. Contractors, consultants, realtors, creatives, Uber drivers, business owners, side-hustlers with three income streams. The challenge? Traditional mortgage rules were built for people with predictable paycheques and tidy T4s. Real life in Toronto looks a little different though. Lately, lenders have been paying even closer attention to […]
