• Tel: 905-574-9200 Ext. 215

  • lowest mortgage rates

    Mortgage Education and Advice with No Obligation

    That is what we're all about. We give you more than just the lowest mortgage rates. We give honest and genuine advice even if it doesn't make us any money. Why? Because we have built our practice over the past 25 years based on loyalty and trust. If your best option is to bypass us and walk into a bank, we will tell you.

    lowest mortgage rates

    We will find the best mortgage rate for you

    Mortgage brokers aren't restricted to one single bank or mortgage lender. We're able to go shopping for you and negotiate for you or help YOU negotiate. There are institutions that specialize only in mortgages. They are virtual banks so they don't have a costly storefront and that saves you money!

  • We can do an application together in person or you can click here to fill out an application online. Whatever you prefer!

    Apply Now

  • We have over 25 years of experience in mortgages, refinances, purchases, lines of credit, private lending, debt consolidation. 

    Make an appointment

  • We provide the resources to help you to buy a home stress-free. We guide you through the process from A to Z with objective advice and guidance. 

    Learn more

  • Our free advice is designed to help you achieve your financial goals. We evaluate your situation with no pressure and no obligation. 

    Learn more

  • We will find the right mortgage for you

    Banks are like credit cards. They want to keep you in debt and paying interest for as long as possible. Mortgage brokers negotiate with the banks on your behalf to get the lowest mortgage rates AND the best terms and conditions. They are paid by the lender in exchange for your valuable business so there is absolutely no cost to you. We have over 25 years of experience earning the trust of hundreds of clients that recommend us to family and friends without fail. We believe in educating and giving free objective advice with no obligation to help you become debt-free sooner. We make the mortgage process stress-free taking care of everything for you and we work around your schedule. So if you’re buying a home or you need a loan for a home renovation or to consolidate debt, call or email us first. You have nothing to lose and everything to gain!

  • Apply For A Mortgage Today With No Obligation Or Pressure

    Apply Now

  • Prefer to speak in person? Request an appointment here!

    Request Appointment

  • Latest News

  • Mortgage Stress Test: Please Keep Complaining!

    Keep Complaining About The Mortgage Stress Test It appears to be working! It is easy to read the headlines. Unfortunately, bad news sells. Let’s look at this week alone: "Canada’s Housing Market Store Vulnerable" "Toronto Real Estate [...]

    Read more

    Cash Flow: Going, Going, Gone!

    Cash Flow Are you thinking of refinancing your home to consolidate debt, to do some much-needed renovations or to improve your Cash Flow? Not so fast! It appears the easy days of refinancing are over. Consider this couple who came into our office [...]

    Read more

    Pay Down Your Mortgage Faster OR Invest? Why Choose?

    The Age Old Question: Is It Better To Pay Down Your Mortgage Or To Invest? First, I would turn the questions back on you: What mortgage interest rate are you paying? What would your rate of return be on your investment? What kind of [...]

    Read more

    1 of page 126

  • The "Lowest Mortgage Rates" - But Read The Fine Print

    Many mortgage brokers claim that they are able to get you the lowest mortgage rates but there are so many other points to consider. I know you may think that is lip service, but it is really true. It would be nice to have everything; the lowest mortgage rates AND prepayment privileges AND a small penalty for breaking the mortgage early AND the ability to break the mortgage without selling the home AND have a 30 year amortization with no mortgage rate premium AND have the rate fixed AND a rental or investment property all with the lowest mortgage rates. But that just doesn't exist.

    Don't fall for the "bait and switch" where the lowest mortgage rates are advertised when the mortgage broker knows full well that it is not realistic for whatever reason or that it is not practical. For example, if it is for a refinance, it might not apply If it is for a conventional mortgage, it may not apply. We have seen too many times people come through our practice that have been abused by other brokers. For example, they may have received the lowest mortgage rates when they signed, but when the time came to pay out their mortgage early, they find out that the lender has a clause preventing them from doing so. This is called a "bonafide sale". So the borrower cannot exit the mortgage even with a penalty. Were the lowest mortgage rates worth it in that case? Most of our clients in that situation would say not.

    We have also seen brokers offer the lowest mortgage rates to their clients and the clients find out too late that since the mortgage broker is not getting paid very well or at all due to these low rates, they charge a brokerage fee. Consider that when you factor in all the fees (legals, appraisals, brokerage), the actual annualized percentage rate that you are paying is much higher than the original "lowest mortgage rates" offered by the mortgage broker. It is very important to check these details beforehand and not be mesmerized by these low rates because they can be very costly in the end. And the problem is that if you have already waived your condition of financing on the property, and you go to sign with the broker, you might discover this too late. You don't have time to arrange alternative financing to purchase the home so you are stuck. Either sign with the broker or lose your deposit on the property and risk being sued by the seller if they sell it for less than you had agreed with them.

    This is why it is extremely important to work with a broker you can trust. Robert Floris has a loyal following of many clients, many of whom have left reviews on his Google page. But those can also be fabricated by people. We have a large box overflowing with actual old school cards from happy clients. We can show you these cards if you would like to come and visit us at our Mortgage Architects Office located at 651 Fennell Avenue East in Hamilton, Ontario. It is hard to know who to trust which is why we value and respect the trust of our clients. We are never greedy and we treat them with respect. Word spreads, we can sleep at night and we have built a strong reputation in the Greater Hamilton Area from Woodstock, Brantford and Ancaster to Burlington, Mississauga. We also have a lot of experience with mortgages towards Stoney Creek, Grimsby, St. Catharines, Welland and the Niagara region. We also have lawyers that we trust and we would be happy to recommend them to our clients unless they have their own already.