Mortgage Solutions for Ontario Homeowners
Whether you need to refinance, access equity, or find private financing - Mortio connects Ontario homeowners with multiple lenders to find the right solution. Free consultation, no obligation.
What We Can Help With
Good credit, bad credit, self-employed, or first-time buyer - we have a solution.
Mortgage Refinancing
Lower your rate, access equity, or consolidate high-interest debt into one payment.
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Private Financing
When banks say no, private lenders focus on your property's equity - not your credit score.
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Second Mortgage
Access up to 80-85% of your home equity without breaking your existing first mortgage.
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Self-Employed Mortgage
Stated income and bank statement programs. We look at revenue, not just your tax return.
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Mortgage Renewal
Your renewal is a negotiation. We shop competing lenders so you don't overpay.
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Home Equity Loans
Compare HELOCs, home equity loans and second mortgages by payment, fees and total cost.
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How It Works
Simple, fast, and transparent - from first contact to funded mortgage.
Apply in Minutes
Fill out a short form or call (844) 991-7171. No obligation, no credit check required to start.
We Shop Multiple Lenders
Banks, credit unions, B-lenders, and private lenders - we find your best option and explain it clearly.
Same-Day Pre-Approval
Know exactly what you qualify for within hours, not days.
Close & Fund
We handle the paperwork and negotiate final terms. Funds typically available within days.
What Ontario Homeowners Need to Know in 2026
Ontario mortgage rules, explained plainly.
Stress Test
Qualify at the higher of 5.25% or your contract rate + 2%. Exception: no stress test when switching an insured mortgage to a new lender at renewal - a 2024 change that makes it easier to shop at renewal.
Down Payment Rules
Below $1.5M: 5% on the first $500K and 10% from $500K to $1.5M. At $1.5M or more: 20% of the full purchase price. First-time buyers can use the FHSA ($40K tax-free) and the Home Buyers' Plan ($60K from RRSPs).
30-Year Amortization
Now available on insured mortgages for first-time buyers and new construction - reducing monthly payments and improving affordability.
Self-Employed Programs
Lenders who accept stated income, bank statements, or gross revenue instead of your Notice of Assessment. Most self-employed borrowers have more options than they think.
More mortgage situations we can help with
Your goal and circumstances shape which lender and mortgage structure make sense. Start with the topic that fits, then compare the full cost before applying.
Compare Current Ontario Mortgage Rates
See today's best rates from banks and lenders serving Ontario - updated regularly.
Ontario Mortgage FAQs
Ready to Get Started?
Free consultation. No credit check required. Serving homeowners across Toronto, Mississauga, Brampton, Hamilton, Ottawa, and all of Ontario.