At ClickYourMortgage.com, we work for YOU, not the banks! Our primary goal is to arrange a mortgage that best suits your needs by shopping various lenders and products. We know which lenders have the best rates and we negotiate with multiple lenders at one time. What’s more is we know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing, and we do all the paperwork.

Plus, at ClickYourMortgage, we are compensated by the lenders, and in most cases we offer our services free of charge to our clients.

Whether you’re buying your first home, refinancing, purchasing an investment property or drawing on your home equity to make improvements and consolidate debts, we’ll find you the mortgage that suits your needs at the best rate available. It’s what we do!

Our team of professionals can help you pay off your mortgage in less time, which will save you thousands of dollars over the span of your mortgage. We are here to offer you advice  and assist you in obtaining the financing you require on real estate.

Starting the mortgage process has never been easier with our new Online Application. Simply fill out the form under “Apply Online” and we will contact you to  discuss your mortgage options and pre-approve you TODAY!

Why work with us?

The Click Your Mortgage Team is dedicated to finding you your Best Mortgage.

We always have your best interest in mind

We tailor your mortgage to suit YOUR needs

We have over 30 years combined experience

We are a team of Mortgage Professionals you can trust

We can save you thousands of dollars on your mortgage

You have our word

We have the Best Rates rates in the industry

Scroll down to see for yourself!

We do it all!

First Mortgages, Second Mortgages, Sub Prime Lending, Private Lending, Lines of Credit, Debt Consolidation, Leasing

We have access to 40 different lenders

We will match you with the one that offers what you need

It is Easy, You can Apply Online

Starting the mortgage process has never been easier with our new Online Application. Simply fill out the form and we will contact you to  discuss your mortgage options and pre-approve you TODAY!

CLICK HERE

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We are feeling the January 1st Mortgage Rule Changes

Late 2017, the government announced that they would be enforcing stricter mortgage rules across the board for Canadians. Until this time, only borrowers with less than 20% down were subject to this tighter qualification process. The new rule goes as such: All borrowers with less than 20% down (insured or insurable deals) must qualify at a rate of 5.14% over a maximum of 25 years. All borrowers with greater than 20% down, must qualify at the greater of the 5.14% or 2% higher than the contract rate (or more simply, the mortgage rate they are offered). The result of these stricter rules? Borrowers are qualifying for almost 20% less of a mortgage they would have prior to January 1, 2018. Having now pushed through the first quarter of 2018, we are noticing the impact these rule changes are having on potential borrowers. If you are thinking about purchasing or refinancing this year, or, if you have a mortgage coming to its maturity, be sure to reach out now to discuss your options....

8 Things to Avoid After a Mortgage Preapproval

You have word from your agent letting you know you are pre-approved for a mortgage. This is an exciting time as you are well on your way to purchasing a new home. A preapproval is usually good for 60 to 120 days depending on the lender. If you do not purchase a home within this time frame, the lender may require you to get preapproved again. Therefore, it is important to continue the great behavior that got you the preapproval, in the first place. Below are eight tips to help keep your financial situation preapproval ready. 1. Don’t apply for new credit Some lenders require the mortgage broker to do another credit check before they give final approval. If the credit check reveals new credit inquiries, they may want you to verify that you have not taken on any new debt which will delay the approval. Taking on any new debt can impact your credit score, so it is best not to take the risk. 2. Don’t make any major purchases If your credit report does get pulled again and it shows you are carrying a balance from making some large purchases, this may affect your approval status. Buying furniture, appliances or renovation material is fine if you have extra cash but putting it on your credit card will increase your debt-servicing ratio which is one of the guidelines used for qualifying a mortgage. This can reduce the loan amount and put your home you made an offer on, out of your price range. 3. Don’t pay off your debt Paying off debt is usually a good idea, but...

Compare Our Best Rates with the Bank.

O.A.C Rates as of April 4, 2018

  • Term: 1 Year Fixed. Our Best Rate 2.99%
  • Term: 1 Year Fixed. Banks Best Rate 3.59%
  • Term: 2 Year Fixed. Our Best Rate 3.24%
  • Term: 2 Year Fixed. Banks Best Rate 3.69%
  • Term: 3 Year Fixed. Our Best Rate 3.14%
  • Term: 3 Year Fixed. Banks Best Rate 3.34%
  • Term: 4 Year Fixed. Our Best Rate 3.44%
  • Term: 4 Year Fixed. Banks Best Rate 3.89%
  • Term: 5 Year Fixed. Our Best Rate 3.19%
  • Term: 5 Year Fixed. Banks Best Rate 3.89%
  • Term: 7 Year Fixed. Our Best Rate 3.79%
  • Term: 7 Year Fixed. Banks Best Rate 5.30%
  • Term: 10 Year Fixed. Our Best Rate 3.89%
  • Term: 10 Year Fixed. Banks Best Rate 6.10%
  • Term: 5 Year Variable Our Best Rate 2.40%
  • Term: 5 Year Variable. Banks Best Rate 3.45%

Prime is 3.45% O.A.C