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    Robert Floris CFP, AMP
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    mortgages@robertfloris.com

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    M17001956
    905-966-1453
    info@buildequity.ca

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  • Hamilton Real Estate 2022: A Year In Review

    Jan

    4

    | Blog Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Hamilton Real Estate 2022: A Year In Review

    Hamilton Real Estate 2022: A Year In Review For Hamilton Real Estate And Mortgage Rates The 2022 Hamilton real estate and mortgage rate scenario can be summed up by one word: tumultuous. This monthly review will demonstrate the roller coaster ride [...]

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    Mortgage Stress Test Unchanged: Poor Decision By OFSI

    Dec

    15

    | Blog Existing Homeowners First Time Homebuyers Home Buyers | Robert Floris
    Mortgage Stress Test Unchanged: Poor Decision By OFSI

    Poor Decision To Keep Stress Test As Is Today the government agency OFSI announced that the infamous mortgage stress test would remain unchanged. In our opinion, this is a very poor decision because it targets and prevents prospective homebuyers[...]

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    Are your mortgage payments becoming unaffordable?

    Nov

    14

    | Existing Homeowners Mortgages | Robert Floris
    Are your mortgage payments becoming unaffordable?

    Are your mortgage payments becoming on affordable? In the past year and a half the prime rate in Canada has gone up by 3.5%.​ depending on the size of your mortgage and whether you are in a fixed or variable rate mortgage, this has[...]

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    What is a collateral switch mortgage?

    Nov

    9

    | Existing Homeowners Mortgages | Robert Floris
    What is a collateral switch mortgage?

    Before answering the question, what is a collateral switch mortgage, we should first answer the question, what is a collateral mortgage? A collateral mortgage is a mortgage where the lender has registered a larger amount on title on [...]

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    What happens if my appraisal comes in low?

    Oct

    17

    | Existing Homeowners Mortgages | Robert Floris
    What happens if my appraisal comes in low?

    What happens if my appraisal comes in low? In a declining real estate market like the one we are having, it can be a serious problem when securing a mortgage if the appraised value comes in lower than expected. At the moment we are [...]

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    Should I declare bankruptcy?

    Oct

    14

    | Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Should I declare bankruptcy?

    Should I declare bankruptcy? Bankruptcy may seem like an easy solution. But if you are thinking about declaring bankruptcy, make sure you understand all of the consequences and make sure that it is worth it! We have had clients who [...]

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    What is the best mortgage product for you? Fixed or variable mortgage?

    Oct

    2

    | Blog Existing Homeowners Home Buyers | Robert Floris
    What is the best mortgage product for you? Fixed or variable mortgage?

    What is the best mortgage product for you? Fixed or variable mortgage? Sean and I get asked the question more than any other question. As advisers, we do try to study the trends of mortgage rates and where they are going in the near future and [...]

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    What is the maximum mortgage amortization?

    Sep

    17

    | Blog Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    What is the maximum mortgage amortization?

    What is the maximum mortgage amortization? Before answering the question what is the maximum mortgage amortization, we should first explain what an amortization is. Our clients will often get confused between the term of the mortgage and the [...]

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    How To Pass The Stress Test

    Sep

    12

    | Blog Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    How To Pass The Stress Test

    First things first: even though it is generally better if you CAN pass the stress test, you don’t necessarily need to pass the stress test if any of the following are true: 1. You are refinancing your home. 2. If you are purchasing a home[...]

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    Should I Lock In My Rate? Should I Renew Early?

    Apr

    25

    | Blog Existing Homeowners First Time Homebuyers Home Buyers Mortgages | Robert Floris
    Should I Lock In My Rate? Should I Renew Early?

    SHOULD I LOCK IN MY RATE? With all of the recent and looming interest rate hikes, we are getting a lot of calls from anxious clients asking if they should lock in (and justifiably so). Unfortunately, we can’t answer that question. However, [...]

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    Future of Mortgage Rates in 2021

    Feb

    14

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Future of Mortgage Rates in 2021

    Robert Floris has been in the mortgage industry for 30 years, including working as a Sales Manager for a major chartered bank. Over his career, he has personally lent over 1 billion dollars and proudly continues to advise and tutor his valuable [...]

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    Why Our Move To A Virtual Office Is Good For Clients

    Jan

    6

    | Blog Existing Homeowners Home Buyers Mortgages | Robert Floris
    Why Our Move To A Virtual Office Is Good For Clients

    Why Our Move To A Virtual Office Is Good For Clients Well, 2020 is over. For most of us, the year changed us. COVID made us reflect on all our lives. For Sean and myself, it was no different. For the safety of our clients, we made an early decision [...]

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    Should I prioritize My Mortgage?

    Jan

    3

    | Blog Existing Homeowners Mortgages | Robert Floris

    Should I prioritize my mortgage?There are two schools of thought on this topic one is to pay down your mortgage faster and the other is to pay down slowly. If your priority is to pay down your mortgage quickly there are several things that you can [...]

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    Can I buy multiple homes with 5% down?

    Dec

    17

    | Blog Existing Homeowners Home Buyers Mortgages | Robert Floris

    Can I buy multiple homes with 5% down? The short answer is: yes. But there are some restrictions. First of all, if you want to put the minimum 5% down to purchase a home, you will be subject to government scrutiny and fee. What I mean is that when [...]

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    CERB and Mortgage Deferrals to End: What Can I Do Now?

    Sep

    15

    | Existing Homeowners | Robert Floris
    CERB and Mortgage Deferrals to End: What Can I Do Now?

    CERB and Mortgage Deferrals to End: What Can I Do Now? CERB is ending at the end of September The Canadian mortgage market is about to face reality at the end of September. The Canadian Emergency Relief Fund or better known as CERB and the [...]

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    Getting A Mortgage With Bad Credit? What Is The Real Cost?

    Sep

    2

    | Existing Homeowners Home Buyers | Robert Floris
    Getting A Mortgage With Bad Credit? What Is The Real Cost?

    What is the Real Cost of Getting A Mortgage With Bad Credit? Can I really fix my credit? What will it cost me both financially and emotionally? How much time does it take to repair? It depends. Is it easy to get ripped off? Let’s[...]

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    Mortgage Deferrals Are Ending. What Comes Next?

    Aug

    5

    | Existing Homeowners | Robert Floris
    Mortgage Deferrals Are Ending. What Comes Next?

    Now What? Mortgage Deferrals are Ending What happens to mortgage clients once deferrals are ending? How would this news affect the housing market? Are financial institutions now happy they will receive payments? Let’s examine what could happen [...]

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    Will Mortgage Rates Stay Low?

    Jul

    22

    | Blog Existing Homeowners Home Buyers | Robert Floris
    Will Mortgage Rates Stay Low?

    Why Mortgage Rates Will Stay Low Why are mortgage rates so low? What if my mortgage matures next year? Should I refinance before rates go up? Let’s explain. Covid-19 has had too many negative effects on the Canadian economy and [...]

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    Hamilton Home Prices: Where Are They are Headed?

    Jun

    19

    | Existing Homeowners Home Buyers | Robert Floris
    Hamilton Home Prices: Where Are They are Headed?

    Hamilton Home Prices: A Simple Way To Determine Where They are Headed Hamilton home prices are headed to the moon. But are they?   How can the history of prices can teach us the future? Let’s explain.   It’s 2020, the [...]

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    Refinancing is Good? How To Know

    Jun

    3

    | Existing Homeowners Mortgages | Robert Floris
    Refinancing is Good? How To Know

    Refinancing is Good? How To Know Lead Mortgage Broker with over 30 years of mortgage expertise, currently at Mortgage Architects. To refinance or not to refinance…that is the question. Money is tight…I can’t sleep. My kitchen has [...]

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    Credit Score During Pandemic

    May

    28

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Credit Score During Pandemic

    Credit Score During Pandemic How will my credit score be affected during the pandemic? Is there a way I can learn to improve or keep my credit score high? Let’s explore. The Coronavirus has had serious effects on people’s health and [...]

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    Mortgages When My Relationship Ends (2022)

    May

    22

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    Mortgages When My Relationship Ends By: Robert Floris Lead Mortgage Broker with over 30 years of mortgage expertise, currently at Mortgage Architects.   I thought my marriage would last. Financially and emotionally I am a wreck. Where [...]

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    Hamilton Basement Apartment’s Future Appears Bright

    May

    20

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    Hamilton Basement Apartment’s Future Appears Bright By: Robert Floris Lead Mortgage Broker with over 30 years of mortgage expertise, currently at Mortgage Architects. Thinking about buying a home with a basement apartment? You’re not alone. [...]

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    What the Post-Pandemic Mortgage World May Look Like

    May

    7

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    What the Post-Pandemic Mortgage World May Look Like By: Robert Floris, Lead Mortgage Broker with 30 years of mortgage experience Today is today, tomorrow…? Could we be going into a recession or will business not skip a beat after the COVID-19 [...]

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    Vital Mortgage Changes During The Pandemic

    May

    6

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    Vital Mortgage Changes During The Pandemic By: Robert Floris, Lead Mortgage Broker with 30 years of mortgage experience Business as usual…uh, I don’t think so. There is a lot of misinformation out there…some incredible nonsense…not much [...]

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    Mortgage Renewal: Crucial Questions to Consider

    May

    4

    | Existing Homeowners Mortgages | Robert Floris
    Mortgage Renewal: Crucial Questions to Consider

    Mortgage Renewal: Crucial Questions to Consider By: Robert Floris, Lead Mortgage Broker with 30 years of mortgage experience Ever try to Google for Mortgage Renewals? Wow, everyone claims to have the best and lowest mortgage rates! Somebody must be[...]

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    Mortgage Broker versus Bank – That is the Question

    Apr

    15

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Mortgage Broker versus Bank – That is the Question

    Mortgage Broker versus Bank – That is the Question What a great question! It is a common request we receive quite often. As a former banker who was the mortgage manager for a major chartered Canadian bank, I feel I can write the answer to this [...]

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    Variable Rates

    Apr

    14

    | Existing Homeowners Home Buyers | Robert Floris

    VARIABLE RATES ADVANTAGES • Over history, variable rates have proven to be less expensive • Penalties: Generally 3 month-penalties • Convertibility DISADVANTAGES • Must pay attention to variable rates • Rates can [...]

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    Fixed Rates

    Apr

    14

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    FIXED MORTGAGES ADVANTAGES • Brings stability and mental peace • Easy to budget • Excellent when rates are low DISADVANTAGES • Penalties – banks Robert Floris is a Mortgage Broker. His office is located at 651 Fennell[...]

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    Maximum Mortgage Amount: How Much Can I Afford?

    Apr

    13

    | Existing Homeowners Home Buyers | Robert Floris

    Maximum Mortgage Amount: How Much Can I Afford? How much of a mortgage can I afford? Great question! This is a common inquiry we receive almost every day. Our Staff has over 33 years of experience to help you better understand the answers to [...]

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    My mortgage is renewing what do I do?

    Apr

    9

    | Blog Existing Homeowners Mortgages | Robert Floris
    My mortgage is renewing what do I do?

    My mortgage is renewing what do I do? If your mortgage is renewing, the first question that we will ask you is: when? The reason we are asking you when your mortgage is renewing, is because we can only renegotiate your mortgage within a period[...]

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    Why Canadians are frustrated by the lender's deferral programs?

    Apr

    6

    | Existing Homeowners Mortgages | Robert Floris
    Why Canadians are frustrated by the lender's deferral programs?

    Why Canadians are frustrated by the lender's deferral programs? It is fair to say both the public and the lenders were taken by complete surprise at the spread of the virus. And the effect it would have on the economy. The move to have all the [...]

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    Deferring My Mortgage: Will It Hurt My Credit?

    Mar

    31

    | Existing Homeowners Mortgages | Robert Floris
    Deferring My Mortgage: Will It Hurt My Credit?

    Will Deferring My Mortgage Hurt My Credit? Many of our clients have communicated with our Mortgage Architects office in the past week to share their thoughts regarding deferring my mortgage. In general, they were scared and wanted advice as to [...]

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    Volatile Mortgage Rates During This Crisis

    Mar

    30

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Volatile Mortgage Rates During This Crisis

    Volatile Mortgage Rates During This Crisis John and Connie came back to us after 15 years to buy their dream home on March 8, 2020 at the beginning of the financial crisis due to the Coronavirus. Initially, the financial market was very worried and [...]

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    Defer Mortgage Payments

    Mar

    29

    | Existing Homeowners Mortgages | Robert Floris
    Defer Mortgage Payments

    To Defer or Not to Defer My Mortgage Payments. That is the Question At Robert Floris’ Mortgage Architects office, Sean Howard and I took many calls as to whether our valuable clients should defer their mortgage payments. It is quite simple to us [...]

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    Deferred Mortgage Payments: Family, Finances and Your Credit Score During this Crisis

    Mar

    24

    | Existing Homeowners Mortgages | Robert Floris

    Deferred Mortgage Payments: Family, Finances and Your Credit Score During this Crisis Being in the Canadian mortgage industry for the last 30 years really does not prepare you for moments like this during the Pandemic. I wasn’t ready in the early [...]

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    Multiple Rentals? It's Not A Bad Retirement Plan!

    Mar

    14

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Multiple Rentals? It's Not A Bad Retirement Plan!

    Multiple Rentals: Do You Want To Build An Empire? We don’t know how many multiple rentals we’re talking about yet. How much rent they could generate? Which banks would be on board for an “inexperienced” landlord? We also don’t know the [...]

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    Where are the Mortgage Rates Going?

    Mar

    10

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Where are the Mortgage Rates Going?

    Where are the Mortgage Rates Going? Last week we contemplated where were mortgage rates going and we predicted the Bank of Canada would lower their prime lending rate. Were we right? Sort of. We predicted a rate discount of a quarter point. We [...]

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    Bank Of Canada Drops Rate By 0.5%

    Mar

    4

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Bank Of Canada Drops Rate By 0.5%

    IMPORTANT NEWS: THE BANK OF CANADA HAS CUT ITS KEY LENDING RATE 1.75% TO 1.25% THIS IS EXCELLENT NEWS FOR BORROWERS WHO DOES IT AFFECT? Anyone in a variable rate mortgage and anyone with a line of credit. HOW DOES IT WORK? The current prime [...]

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    Lower Mortgage Rates: Are They Sliding?

    Mar

    2

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Lower Mortgage Rates: Are They Sliding?

    Lower Mortgage Rates: Are They Sliding? Unfortunately, last week created some bad market and health news. Could this contribute to lower mortgage rates?Unless you lived in seclusion or under a rock, you already know stock markets in the world had [...]

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    Mortgage Free? Congratulations! But Why?

    Feb

    26

    | Existing Homeowners Mortgages | Robert Floris
    Mortgage Free? Congratulations! But Why?

    Mortgage Free? Congratulations! But Why? So you bought a home and paid off the mortgage quickly either by receiving an inheritance, or diligently making larger payments, or putting in the time, or any combination of the above. The goal for a lot of [...]

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    Mortgage Penalty: When Should You Pay It?

    Feb

    19

    | Existing Homeowners Mortgages | Robert Floris

    Mortgage Penalty: When Should You Pay It? Most mortgages have a term - a length of the contract or commitment that the mortgagor has made with the lender. Generally, if you break said contract by paying it off earlier than agreed, you will be [...]

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    Buying A Rental Property: Here Are Some Helpful Tips

    Feb

    16

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    Buying A Rental Property: Here Are Some Helpful Tips If you are thinking about buying a rental property, here are some things to consider. If you already have a home or you are buying one where you will also live, have you considered renting a [...]

    Read more

    Retirement Home: Is There A Better Alternative?

    Feb

    12

    | Existing Homeowners Mortgages | Robert Floris
    Retirement Home: Is There A Better Alternative?

    Retirement Home: Is There A Better Alternative? Have you every thought about where you will live when you retire? You've probably heard that it is very expensive to live in a retirement home and you're right! There are also some horror stories about[...]

    Read more

    5 Tips For Getting The Best Mortgage Rate

    Feb

    9

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    5 Tips For Getting The Best Mortgage Rate If you are purchasing a home, put less than 20% down. Your mortgage rate is influenced by the risk to the lender. When you put less than 20% down on the purchase of a home, you are forced by the Canadian [...]

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    Self Employed And Looking For A Mortgage?

    Feb

    6

    | Existing Homeowners Home Buyers Mortgages | Robert Floris
    Self Employed And Looking For A Mortgage?

    Self-Employed are Stranded Looking for a Mortgage The most common reaction we hear from the public is how much harder it is to get a mortgage these days. If you’re self-employed today, getting funding becomes a herculean problem. It was not always[...]

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    Preapproved? What does it mean?

    Feb

    5

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    What does it mean to be preapproved for a mortgage? It actually doesn't mean a whole lot. It depends a lot on the person who has preapproved you for a mortgage. Sometimes you will see advertisements that boast preapprovals in 30 seconds. There are [...]

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    Top 3 Things You Need To Qualify For A Mortgage

    Feb

    3

    | Existing Homeowners Home Buyers Mortgages | Robert Floris

    Top 3 Things You Need To Qualify For A Mortgage I often get calls throughout the day with prospective clients asking me if they could qualify for a mortgage. Here are the 3 main things you need to qualify for a mortgage: 1. Down Payment You need [...]

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    • Robert Floris & Sean Howard : Mortgage Architects
      Robert Floris & Sean Howard : Mortgage Architects
      5.0
      Based on 236 reviews
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      review us on
      Travis West
      Travis West
      17:49 20 Apr 23
      I have just had the great pleasure of working with Sean Howard to renew our mortgage. Sean is great! He was completely transparent, was able to answer all my questions (and there were many), and secured us a great rate. Sean walked us through every step of the way. I would recommend Sean to my closest family and friends, and now to you if you are reading this. Thank you Sean!
      Brittany Speller
      Brittany Speller
      13:46 10 Apr 23
      We recently switched lenders and renewed our mortgage with Sean. We were quite anxious as it was our first renewal at a time with higher rates but Sean helped us secure a competitive rate, a lot lower than what we were being offered by our previous lender. He was very responsive to all our questions and eased our worries at each step. He made the process smooth and overall we are very happy with the experience. We would definitely recommend him to others.
      Christine Yanke
      Christine Yanke
      18:22 06 Mar 23
      I have known Robert for over 30 years in fact, he has been my mortgage agent since 1988. What I really respect about Robert is that he is not only passionate about what he is doing but he goes above and beyond to make sure that you have thought out every step and scenario before signing the dotted line. And, he does the work to make sure he is getting the best for you. He truly is an advisor or better yet coach because he wants to make sure this decision you are making is absolutely the right one. And, that has meant so much to me over the years. He spends the time no matter how much that is, to ensure you are walking away happy. I highly recommend Robert. He is the best of the best in this industry!
      Paul Jewell
      Paul Jewell
      18:33 17 Jan 23
      My wife and I purchased a townhouse a couple of years ago. After multiple delays, including a long one due to Covid, the time came to arrange financing. Due to various circumstances, we were not in a position to sell the house we were in, so we had to try and arrange an equity-only mortgage. Both of us being retired, with only our pensions as income, none of the banks were interested in helping us.Our daughter and son-in-law recommended a mortgage broker in Hamilton, Robert Floris, that they had dealt with on a number of occasions in the past. When I contacted Robert, he was the nicest person to talk to and reassured me that he could help us. Robert introduced me to his business partner, Sean Howard, who took it from there.In all our dealings, Sean has always been most approachable, always ready to listen to problems and apply his expert knowledge to sort them out. He really seems to care about his clients and he was able to come up with the solution to the situation we were in.I have found Sean to be kind, sympathetic, very knowledgeable and I have no hesitation in recommending him if ever you are looking for a mortgage.
      Amber Wilson
      Amber Wilson
      23:48 28 Oct 22
      We cannot thank Sean Howard enough for everything he has done for us, amazing broker, very patient.Always looking out for our best interest and very informative.Sean has always been up front and honest right from the beginning.He never quits and always finds an option.He takes away the added stress when its already very stressful buying a home.My husband and I would highly recommend Sean, we are very happy and it wouldn't have gone so smooth without his expertise and advice.
      Sarah Chambers
      Sarah Chambers
      17:57 03 Oct 22
      I was in a real bind and needed a mortgage quickly! After making several calls to various mortgage brokers , I grew even more frustrated with their slow process and not being able to reach them to ask questions and get straight answers.More searching online and I came across Mortgage Architects here in Hamilton. I called and spoke with a very kind and patient mortgage broker, Sean Howard. After explaining my stressful situation and that I needed a mortgage very quickly, Sean immediately put me at ease with his compassion and positive nature. He always had back up plans in place so that I never worried about not getting my mortgage in time. He was truly there for me 24/7 always returning any calls or emails right away. I'm over the moon because I got approved for my mortgage exceptionally fast. He jumped through a few hoops for me and went above and beyond what I thought was possible. I am forever grateful to him. I can honestly, and fully recommend Sean Howard for your mortgage broker.🙏🤗Sarah Chambers, Hamilton, ON
      Amanda
      Amanda
      20:08 25 Aug 22
      I first heard of Sean from my boyfriend when he was looking at a property for himself. He was super impressed with Sean, so naturally when my mortgage came up for renewal, he was the first person I went to. He is very very knowledgeable. This year is a tough year to renew with interest rising and his knowledge of the industry landed me a very competitive rate and I could not be happier with the outcome. He responded to any inquiries quickly and thoroughly. He has even responded to us on weekends and after hours. He is excellent at explaining things. He had my best interests in mind throughout the entire experience. I will be recommending Sean to family and friends and trust him to provide the same service I have received.
      JENN M
      JENN M
      20:34 29 Jul 22
      I had the pleasure of working with Sean on a time sensitive deal.First off, he executed with extreme professionalism, while displaying much dedication and empathy.When I felt like giving up, Sean's assurance that it would all work out helped in leaps.Throughout the entire process, from aligning the right people along the way, made for a rather smooth deal. Full transparency was always at the forefront and my questions were answered in a timely fashion.I would definitely recommend and continuing working with Sean, as I have full confidence and trust in what he does, as his clients' needs are met.SEAN, I THANK YOU.JENN
      Dan Vidic
      Dan Vidic
      17:50 28 Jun 22
      My wife and I just purchased our first home, and we used Sean Howard as our Mortgage broker after hearing about the great experience our close friends had with him.From our initial conversation, to getting us pre-approved right away (to lock in the rate before the hike), to the actual approval process, our experience with Sean could not have been better. He made sure we both fully understood all the parameters of the complicated mortgage process and made it easy for us to make an informed decision on our home. When we were putting in offers (often after hours to meet deadlines) Sean was responsive right away to work with us to provide our best offer. Once we found the house, he provided all the options available and his advice on what he thought was best for us. This was during the start of all the interest rate hikes which made things more difficult, but we were happy with the decision we ultimately ended up making with Sean's help. He seemed genuinely interested in helping us find our ideal home suited to our income and needs, not just to get our business.If you are in the market for a new home and need a mortgage broker, don't look any further than Sean Howard. You will not be disappointed with his exceptional customer service, professionalism and expertise in finding the right mortgage for you.Thanks so much Sean for all your work!
      Chris Oswin
      Chris Oswin
      19:00 24 Feb 22
      Robert Floris helped my partner and I get our first mortgage. He helped us learn about our options and explained all the different terminologies or packages available. He made the process easy, fun, and stress free and was very helpful if we had any questions at any point in the process. Robert is extremely welcoming but also completely honest with us on what was affordable and realistic for our incomes. He managed to get us a very competitive interest rate on our variable mortgage and we could not be more pleased. Thank you Robert!
      See All Reviews
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    Mortgage Architects
    5675 Whittle Road
    Mississauga, Ontario, L4Z 3P8
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