Toronto mortgage guidance
A clearer start to your mortgage
Three Toronto brokers compare options across more than 40 lenders and explain the next steps in plain language.
40+
lenders to compare
48 hours
pre-approval turnaround time
6 months
early renewal review
Choice with clarity
Choice that makes your next step clearer
Mortgage options
Lending routes for real-life situations
First-time buyers
Explore pre-approval and affordability, with clear explanations of the stress test and CMHC insurance.
Self-employed borrowers
Compare lender options when your income is difficult to prove on paper.
Mortgage renewals
Review your options six months before maturity, especially if rates have increased.
Borrower experiences
What borrowers say about working with us
“Self-employed for six years, and the bank said no twice. Keystone found a lender in a week, at a rate I could live with.”
Andre P.
“They reviewed our renewal six months early and saved us more than our bank’s offer would have cost us over the term.”
Sarah & Tom
“They explained the stress test so clearly that I finally understood what we could afford.”
Mei L.
“Self-employed for six years, and the bank said no twice. Keystone found a lender in a week, at a rate I could live with.”
Andre P.
“They reviewed our renewal six months early and saved us more than our bank’s offer would have cost us over the term.”
Sarah & Tom
“They explained the stress test so clearly that I finally understood what we could afford.”
Mei L.
Straightforward advice
Know how our advice works
Lenders pay brokers on most mortgages, so advice is usually free to you; any fee that applies is disclosed clearly.
What to expect
Clear compensation
You’ll know when a fee applies before moving forward.
FSRA licensed
Get guidance from a brokerage licensed with FSRA.
Plain-language explanations
Understand the stress test, CMHC insurance, and fixed versus variable mortgages.