Couple reviewing their mortgage options together at home

MORTGAGE SOLUTIONS
FOR YOUR NEXT STEP.

Buying, refinancing or accessing equity? Mortio helps you explore mortgage solutions for your situation.

Apply Now

Today’s Best Rates

5 yr Fixed4.54%

Today’s Best Rates

5 yr Variable3.44%
1 yr Fixed4.64%
2 yr Fixed4.29%
3 yr Fixed4.39%
4 yr Fixed4.50%
5 yr Fixed4.54%

All rates

Multiple Lenders

Compared on your file

Same-Day

Pre-approval decisions

In-House

Underwriting team

Markham

Meet us in person

Mortgage Solutions

Start with what you need

Whether you're buying, renewing, refinancing, or working through a more complex situation, Mortio helps you understand the lending paths available.

First-time buyer mortgages

Buy my first home

Understand your affordability, down payment, available incentives, and approval options.

Explore buying options

Mortgage refinancing

Improve my mortgage

Review your rate, restructure your mortgage, consolidate debt, or lower your payment.

Explore refinancing

Home equity and HELOC

Access my home equity

Use the equity you've already built for renovations, investments, or major expenses.

Explore equity options

Private financing

Bank decline or a tight closing timeline?

Explore more flexible lending options for bruised credit, non-traditional income, or financing that needs to move quickly.

Explore private financing

More situations

More ways we can help

Mortgage Renewal

Compare the bank's offer before committing to another term.

Learn more

Second Mortgage

Consolidate high-interest debt into one manageable payment.

Learn more

Self-Employed

Explore qualification using alternative income documentation.

Learn more

Reverse Mortgage

Turn home equity into tax-free funds without monthly payments.

Learn more

Multiple Lenders, One Application

We shop your file across all of them. Compare today’s rates

Current Rates

Today’s lowest rates

Rates from our latest lender rate-sheet upload, refreshed most business days.

View all rates

More rates

4.54%

5-year

Fixed

3-year Fixed: 4.44%
1-year Fixed: 4.99%

More rates

4.59%

5-year

Fixed

3-year Fixed: 4.39%
1-year Fixed: 4.64%

More rates

4.59%

5-year

Fixed

3-year Fixed: 5.64%
1-year Fixed: 5.69%

More rates

4.69%

5-year

Fixed

3-year Fixed: 4.59%
1-year Fixed: 4.94%

We shop multiple lenders. Which lender wins your file depends on your down payment, income and property, so the rate you qualify for may differ.

How It Works

Simple, start to close

Three steps, no jargon, and lender-paid compensation for most standard mortgages. Any borrower-paid private-financing fees are disclosed upfront.

01
Book your 1:1 call
A licensed agent who reads your actual file — not a call centre queue.
02
We shop multiple lenders
Banks, credit unions and private lenders, compared in parallel, same week.
03
Close with no surprises
We line up vetted realtors and lawyers so nothing stalls at the finish.

Start your application

Mortio agent reviewing a mortgage application with clients

What you get with Mortio
Same-day pre-approval*
In-house underwriters
One dedicated expert per file
In-person appointments in Markham
Realtor & lawyer network

Free Tools

Run the numbers yourself

No sign-up, no email wall. Get a real number before you talk to anyone.

Mortgage Payment

What will I pay monthly?

Monthly payment by price, down payment, rate and amortization.

Open calculator

Refinance Savings

Should I refinance?

Compare your current mortgage against a new one before prepayment penalties.

Open calculator

Loan-to-Value

What do I qualify for?

Find your LTV to see which lenders and products you qualify for.

Open calculator

Want the exact number for your file?

Get a free quote (844) 991-7171

Success Stories

Closed deals, real people

Highly recommend Kripa and the team at Mortio Financial! They helped us secure the best rate and guided us through the entire mortgage process. Super professional and supportive - made it a stress-free experience.
Joefrey Ibus
Private mortgages suck, but dealing with reliable, helpful, knowledgeable people made dealing with all of it significantly easier. Tremendously grateful to Kripa and the team for all their hard work and insight.
Jesse Jordan
This was an easy choice to have them work for us to get our mortgage. They worked with us. It was an easy process. Plan on using them for our next house.
Barry
I had an excellent experience working with Morton Financial Corp! From start to finish, they were incredibly knowledgeable, responsive, and patient.
Abi Sherin
Thanks for everything. It was great to meet with you and they are kind people, respectful, explained the process of getting a house.
Maria Zapata
Recommended —- made the toughest deal smooth. Kripa helped and also boosted the communication.
Yunus Memi
Highly recommend Kripa and the team at Mortio Financial! They helped us secure the best rate and guided us through the entire mortgage process. Super professional and supportive - made it a stress-free experience.
Joefrey Ibus
Private mortgages suck, but dealing with reliable, helpful, knowledgeable people made dealing with all of it significantly easier. Tremendously grateful to Kripa and the team for all their hard work and insight.
Jesse Jordan
This was an easy choice to have them work for us to get our mortgage. They worked with us. It was an easy process. Plan on using them for our next house.
Barry
I had an excellent experience working with Morton Financial Corp! From start to finish, they were incredibly knowledgeable, responsive, and patient.
Abi Sherin
Thanks for everything. It was great to meet with you and they are kind people, respectful, explained the process of getting a house.
Maria Zapata
Recommended —- made the toughest deal smooth. Kripa helped and also boosted the communication.
Yunus Memi

Learn

Mortgage insights

Rate moves, program changes, and the fine print nobody explains.

View all articles

First-Time Home Buyer in Ontario? Your 2026 Incentive Cheat Sheet

Buying your first home is exciting, but understanding the available programs can feel overwhelming.

Private vs Traditional Mortgages in Ontario: Which is Right for You?

Private or bank mortgage — which is right for you in Ontario? Mortio breaks down the key differences in rates, approval, and flexibility to help you choose wisely.

When and How to Refinance Your Mortgage in Ontario

Learn the best time to refinance your mortgage in Ontario, how the process works, and how Mortio helps you access better rates and lower monthly payments.

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FAQ

Frequently Asked Questions

Still stuck? We'd rather answer it on a call than have you guess.

Ask us directly

How much mortgage can I qualify for?

It depends on your income, debts, credit score, and down payment. A general rule is that your total housing costs shouldn't exceed 39% of your gross income. Book a free pre-approval with us and we'll give you an exact number.

What's the minimum down payment in Canada?

Below $1.5M, the minimum is 5% on the first $500K and 10% on the portion from $500K to $1.5M. At $1.5M or more, the minimum is 20% of the full purchase price. As of December 2024, the insured-mortgage price cap increased from $1M to $1.5M.

What is the mortgage stress test?

You must qualify at the higher of 5.25% or your contract rate plus 2%. With today's rates, most borrowers are qualifying around 6%+. We'll run the numbers for you and find lenders where you have the best shot.

Should I choose a fixed or variable rate?

Fixed rates give you predictable payments and protection from rate changes. Variable rates have historically been lower but move with the Bank of Canada. We'll help you weigh both based on your goals.

Why use a mortgage broker instead of going to my bank?

We compare multiple lenders — banks, credit unions, and private lenders — and shop on your behalf. Your bank can only offer its own products. Lenders typically compensate brokers on prime mortgages; alternative and private mortgages may include lender and broker fees, which we disclose before you proceed.

No Obligation

Let’s find your rate.

Free, and it won’t affect your credit score. Most clients hear back the same day.

Get pre-approved (844) 991-7171

113-1020 Denison Street, Markham, ON

MORTGAGE SOLUTIONS FOR YOUR NEXT STEP.