Access 50+ lenders, competitive rates, and clear advice. Tell us what you're looking to do — we'll handle the rest.
Whether you're buying your first home, refinancing, or exploring investment properties — we've got you covered.
New to the market? We guide you through pre-approval, FHSA/HBP programs, and closing with confidence.
Learn more →Access equity, lower your rate, or fund renovations — including debt consolidation — by restructuring your existing mortgage.
Learn more →Don't auto-renew with your bank. We shop the market to keep your payments competitive.
Learn more →55+? Access up to 59% of your home equity tax-free — no monthly payments, no selling, no moving.
Learn more →Solutions for self-employed, new-to-Canada, or credit-challenged borrowers.
Learn more →Financing for investment properties, multi-unit projects, and ground-up construction.
Learn more →Lower your rate, consolidate debt, or pull out cash for renovations — all with a single switch.
Take advantage of lower rates. Refinancing could reduce your monthly payment and save thousands over the life of your mortgage.
Typical savings: $200–$600/month
Break-even: 12–18 months
Access your home's appreciated value for renovations, investments, or major purchases — tax-free and at mortgage rates.
Max LTV: 80% conventional
Average equity accessed: $80K+
Roll credit cards, lines of credit, and high-interest loans into your mortgage for one low blended payment.
Avg. rate drop: 12%–18%
One payment, one rate
From pre-approval to closing, we make buying your home simple and transparent.
Get pre-approved before you start shopping. Know your budget, lock in a rate, and negotiate with confidence.
FHSA, HBP, land transfer tax rebates — we maximize every program available to Ontario first-time buyers.
Your renewal is your best opportunity to renegotiate. We compare 50+ lenders so you don't leave money on the table.
Compare your current offer against live market rates. We show you exactly what's available across 50+ Ontario lenders.
We negotiate with multiple lenders to secure the best renewal rate — not just what your current bank offers.
Banks often auto-renew at higher rates. We give you a negotiating edge — before your renewal date passes.
One call connects you with 50+ lenders. Free consultation, no obligation.
647-673-8544In Ontario, most traditional lenders (A-lenders like Big 5 banks, credit unions) require a minimum credit score of 600 for an insured mortgage through CMHC, Sagen, or Canada Guaranty. For best conventional rates, a score of 680 or higher is recommended.
If your credit score is between 500 and 600, alternative B-lenders and private mortgage lenders may still approve you — though at a higher rate. My Future Mortgage works with a wide network of subprime and alternative lenders across Ontario, including specialized programs for self-employed borrowers with non-traditional credit histories.
Canadian federal rules set minimum down payments at 5% for homes up to $500,000, 10% on the portion between $500,000 and $1 million, and 20% for homes over $1 million. First-time home buyers can access registered programs like the First Home Savings Account (FHSA) and the Home Buyers' Plan (HBP) to withdraw from RRSPs tax-free.
Down payments under 20% require mortgage default insurance (CMHC, Sagen, Canada Guaranty), which adds a premium of 2.8%–4% to the mortgage amount. My Future Mortgage helps Ontario buyers calculate their exact down payment requirement including Ontario land transfer taxes and closing costs.
Yes, it is possible to refinance in Ontario even with a credit score below 600. While traditional A-lenders will decline scores under 600, B-lenders and private mortgage lenders offer refinancing solutions specifically for credit-challenged borrowers. Interest rates range from 6% to 12% depending on your credit profile, loan-to-value ratio, and property type.
Equity is the most important factor — the more equity you have, the more lenders are willing to work with you despite a lower score. My Future Mortgage specializes in connecting Ontario homeowners with the right lender for their unique credit situation, and can help you build a path back to prime rates over time.
If you switch lenders at renewal time, you must re-qualify under the federal stress test — meaning you need to prove you can afford payments at the higher of your contract rate plus 2% or 5.25%. However, if you renew with your existing lender (a straight switch with no new funds), no stress test is required in most cases.
This is why many borrowers stay with their bank at renewal — but they miss out on potentially better rates from competing lenders. My Future Mortgage helps Ontario homeowners navigate this trade-off: we pre-qualify you with partner lenders before your renewal date so you know exactly what you qualify for, stress test included.