Your Toronto Mortgage Brokerage
Mortgage solutions for peace of mind.
Personalized, strategic solutions for a seamless mortgage journey.
The Mortgage Agency is here to help you with all your mortgage and financing needs. Life is too short to be playing phone tag with your broker, instead of freeze tag with your kids.
Your peace of mind is our mission. Mortgages can be intimidating, but they don't need to be. Whatever your financial scenario, we've got the solution crafted just for you.
What can we do for you?
We create customized strategic solutions that turn into seamless mortgage journeys.
Borrowed Down Payment
Don't have the required 5% down payment for your new mortgage? We can help you get it from a loan or line of credit. Take advantage of low interest rates and housing prices — without having to wait while you save up the down payment!
Purchases
Whether you are a first-time home buyer or an experienced buyer, we can provide you with access to the best mortgage products and rates across Canada.
Refinancing
Refinancing a home loan is an easy and affordable way to pull out equity for home improvements, investments, debt consolidation, and more.
Renewals
By negotiating for a better renewal, you could save thousands of dollars each year. We can shop around for an interest rate before you even hear from your lender. And the best part is that all legal fees and appraisal costs are covered by the lender.
Purchase + Improvements
Perhaps you've found your perfect home, though it's in need of some repairs and/or upgrades? With our purchase + improvements program you'll have funds available right away to renovate immediately upon possession. Your mortgage will cover both the purchase price of your home, plus the cost of renovation.
Spousal Buyout Program
Helping those going through separation/divorce, the Spousal Buyout Program helps couples establish financial independence. It is a process involving one spouse buying out the other from an existing mortgage, where the equity is split, and new terms of the mortgage are established, for the individual staying in the home.
New to Canada
Are you new to Canada and wanting to purchase your first home here? Our expert mortgage advisors are here to answer all of your questions, and to help you achieve the home you desire for you and your family.
Second Properties
Thinking about purchasing a second property? Whether you're considering purchasing a second home for investment purposes or as a vacation home, speak to one of our qualified mortgage advisors about how we can help you achieve your home ownership goals.
Vehicle Financing
Whether you're looking to refinance your auto-loan to lower your payments, get cash back for down payment for your first home, remove yourself from a co-signed loan, or are looking to finance a new vehicle, we can help!
Reverse Mortgage
Reverse Mortgage is a versatile financial option that can help solve several financial challenges faced by Canadians 55+. Access up to 55% of your home's value in tax-free cash!
Why use a mortgage broker?
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While the banks can only offer you their own mortgage products, we have access to hundreds of options from Canada’s largest banks, credit unions, trust companies, and financial institutions.
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Our experienced team of professionals is dedicated to helping you achieve your home ownership dreams, providing excellent customer service, and saving you thousands in the process.
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The lender pays us based on the volume we send them, not the interest rate, and we don’t get paid until your mortgage funds. You can enjoy confidence and security in knowing that we will get you the right mortgage for your needs. If you want to find out more, contact our Vaughan office.
Why we’re different
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We’re not big fans of one-size-fits-all solutions. Every customer and every situation is unique - which is why we take the time to get to know each customer and their needs to create a strategy based solution.
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We’re done with confusing, slow mortgage journey. Our digital process allows you to apply in minutes and receive real-time updates about where you are in your journey, and next steps. You’re always in the loop.
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As much as we love our digital tools, you will always be able to talk to a human. In fact, we have some of the best humans here. If you can’t reach them on phone, they’ll call you back within 3 hours. Well, 3 business hours - they’re only human after all.
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This isn’t our first rodeo. Or our second. Or even our third rodeo. We offer a premium service with over 25 years of experience. Which means have a wide network of lenders to match your unique needs.
Our Specialties
Investment Properties
Self-Employed
Purchase Transactions
Construction Financing
Renewals / Refinancing
Private Financing
What People Are Saying
“Excellent experience! Maurizio and Vince took care of us very well. He was always available when we had questions and always answered our questions knowledgeably. Very happy we used them. They fought to find us the best rate for our mortgage. It really meant a lot, especially as first time home buyers. Definitely would recommend them to friends and family.”
— Christina, Ajax, 2021
“A friend referred me to this company. Both Vince and Maurizio are very experienced and highly qualified. It was very comforting to get my questions answered immediately, even after hours. I have already recommended them to a friend looking to get a mortgage.”
— Cecilia, Markham, 2019
“My experience with 'My Mortgage Company' was extremely positive. I was put in contact with Vince Bertucci at an extremely stressful time.....having to take possession of one house with the potential of not being able to sell my current home in time! This was mainly due to the confusing period of time during the pandemic shutdown! Vince and his team were able to show me that I had options and develop a plan that would allow me to succeed AND in a way that gave me peace of mind. I would highly recommend of anyone who's in the process of getting a mortgage!!”
— Suzan, Toronto, 2020
Frequently Asked Questions
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A. Our main goal as a mortgage broker is to be your trusted real estate financial advisor. We don't only get you the best rate and options and process speedy approvals but we are looking for long term strategic relationships. Bottom line is we help people build wealth through proper planning and implementation of growing your real estate portfolio...if that's your thing. Oh and if you work with us you'll be sure to smile and laugh. For us it's all about making the often stressful process fun and enjoyable.
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A. Working with a broker allows you access all the time to questions and answers and 9-5 is not what we do...we simply work a lot making sure we are there whenever you need us. We are typically much faster than banks as we have our dedicated banks and lender relationships getting approvals and answer much faster.
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A. In most cases, we are paid a commission by the lender or bank. The amount of the commission can change depending on the type of mortgage but is typically about 1% of that amount. The size of the loan and the quality of the client are also a consideration.
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A. Working with a broker allows you to explore all the options across Canada (major banks, Credit Unions, Mortgage Wholesale companies etc...) allowing you to get the best rates from over 50 different lenders at one given time. Getting the best rate is what we do!
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Generally, no. About 95% of the time, we are paid a commission by the lender. But if a client's application just doesn't fit with the 50+ mainstream lenders, we have alternative lending options. Those lenders don't pay us a commission, so we charge a fee. We are clear from the get go on how things work so there are no surprises.
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A. If you work with a bank you are working with an employee who follows the rules of that particular bank. When working with a Mortgage Broker we are provincially regulated. So we have to be licensed and take tests and ongoing training on how to best service our clients and our industry. We do not work for any institution but are typically self-employed which means we work best for our clients.
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