Current Mortgage Rate Specials

Mortgage Term
1-year
2.39%
3.04%
2-Year
2.14%
2.84%
3-Year
2.29%
2.84%
4-Year
2.39%
2.99%
5-Year
2.54%
4.84%
7-Year
3.24%
5.30%
10-Year
3.59%
6.10%
Variable
1.95%
2.50%
HELOC
3.20%
4.10%

Testimonials

Here is what people are saying about First Toronto Mortgage!

Voted a Top 5 Mortgage Broker by Zillidy.com (http://www.zillidy.com/blog/5-top-mortgage-brokers-in-toronto/).

“Kevin was extremely professional and to the point.  He was always quick to return calls and emails and I am positive that he got us the best mortgage rates available, saving us an enormous amount of money in the long run.  He went above and beyond in a complicated situation but still managed to get us exactly what we wanted.  I will be recommending him to friends, family and anyone I ever hear of who is looking for a mortgage.”

-Nicholas Bichsel, Winnipeg, MB

“I found Kevin through the RFD forum where he actively participates in the massive mortgage discussion thread to provide guidance and up to date mortgage information. He has a lot of positive comments from forum members who used his service, so I felt confident that he is a good choice rather than trying to find a broker locally in Vancouver. Kevin handled my mortgage renewal and entire process was done by email plus 1 or 2 phone calls. He answered all my questions promptly and kept me up to date with the renewal progress. I’m very happy with the his service.”

-Min S., Burnaby, BC

“House buying is such an important decision in ones life.  Getting great service and excellent mortgage rates was our main priority.  Kevin worked hard to make sure we get both.  He was informative, helpful and dedicated to his work and makes the process go smoother all the way.  We will highly recommend him for his services.”   

-Zeeshan Yousaf and Quratul Ain, Coutice, ON

“My husband and I had just reached the retirement age and wanted to simplify our lives.  We sold our townhouse, paid our bills, and moved into a rental apartment.  But the urge to own our own place was strong.  I saw the ad for First Toronto Mortgage, filled in the online application, and things moved very quickly from then.  Kevin soon had us in a condo, the price we can afford easily, and the layout which works so well for us. Kevin keeps in touch with us, and I have been glad to give him referrals.  They are extremely happy with their dealings with your group.”

-Freda Hopkinson, Toronto, ON

“Due to our busy schedule, my husband and I did not have the time to shop around and compare mortgage rates for our mortgage renewal in Montreal. After contacting Kevin and telling him what we wanted, he did all the work for us to give us the best rate that met our needs. He was quick to respond (both phone calls and emails) and gave clear knowledgeable answers to our questions. It was a great pleasure working with Kevin and I would definitely recommend him to others.”

-Irene K., Montreal, Quebec

“I first contacted Kevin Somnauth when my long-time landlord informed my wife and me that we would have to leave our apartment to allow for a whole-scale demolition of the building we were living in.  We were first-time home buyers and under a lot of duress.  From my first conversation with Kevin, I was struck by his willingness to explain to us all of our options about securing mortgages — and we had many questions indeed.  In addition to providing us solid, well-founded financial advice, Kevin also represented us as our buying agent — and this was indeed a real benefit since we could discuss our mortgage options immediately with Kevin while we actually did the leg work of searching for the right house.  In the end, we were very grateful for the professional diligence and commitment with which Kevin attended to all of our needs in what can be a very stressful experience – even for the most-seasoned of home buyers.  I would recommend him to you without hesitation.”

-Paul Comeau, Toronto, ON

“I’ve been dealing with Kevin for a few years and have found his service to be highly impressive and exceptional.  Kevin is a very thorough mortgage broker and ensures that all necessary documents are in order before submission to any financial institution.  I’ve found him to be efficient, reliable and polite.   I’m extremely satisfied with the excellent service I received from Kevin and have referred him to my family members and friends since he has proven to be one of the best brokers I’ve dealt with.”

-Gemma Boyd, Mississauga, ON

“Kevin is very knowledgeable and able to think outside the box to find solutions that suit your needs.  Kevin is a good resource to bounce ideas off when looking for investment properties.  He will walk you through his thought process to help you make a sound decision.”

-Sashan Tambimuttu, Toronto, ON

“Kevin was referred to me through a friend. I was in desperate need for housing and that is expensive in the GTA. Kevin took the time to go through my financials in a detailed, professional manner. Through a lot of hard work, he was able to come up with a great plan and solution for me. I also used him as my realtor, and the knowledge he has on the real estate market and on houses was very impressive. I consider Kevin to be an all-around real estate guru and have already referred him to many of
my friends.”

-Myra Bravo, Toronto, ON

“In short, Kevin is efficient, helpful and a pleasure to deal with. I wish him well and many sales in the future.”

-Irfan Shaikh, Toronto, ON

“As first time home buyers we did not know anything about the real estate market.  Kevin had a lot of knowledge,and was available at any time if we had any question.  He guided us through the complexities of the process and made the process easy and not stressful.  He helped us to get the mortgage and find a lawyer.  Kevin was always professional and we are very thankful to him for the great assistance in buying our first home.”

-Viktor Jakov, Toronto, ON

“First time dealing with a mortgage broker, Kevin at Mortgage Architects exceeded my expectations by ensuring a transparent, easy to understand, thorough and complete transaction. His professionalism, helpfulness and prompt communications really sets high standards and I have thus far nothing but a pleasant experience on top of the great rate that he secured for me. I’d highly recommend him and his firm.”

-Nima M., Ottawa, ON

“We found Kevin by doing a Google search for Mortgage Brokers and it became a one stop for all our needs.

We were moving back to the GTA from North Bay and Kevin helped us through every step. He made himself available when we were able to get down and he set up a large amount of showings. He then was able to show comparable sales for any properties we were interested in so we paid market value. He then got us the best rate for our mortgage. He then recommended a lawyer that was able to close both properties at a great rate.

Through the whole time Kevin worked behind the scenes making sure everything was taken care of properly, he made himself available to us at all times, he returned our calls and Emails quickly. We felt like Kevin’s only clients and
that our business was very important. One of the best business experiences of our lives. Thanks Kevin for your hard work, patience and professionalism.”

-Brad Gailer, Toronto, ON

“I’ve had the opportunity to deal with Kevin for real estate matters during the past few years.  During this time, I’ve found him to be very professional and detailed-oriented.  I was particularly impressed with Kevin due to his diligence in ensuring that all documents required for mortgage submission were completed correctly.  He demonstrated effective communication with me both by email and verbally, whenever additional information was required.
 
I was extremely pleased with Kevin’s services and it would be my pleasure to refer him to friends and family.”

-Omar Boyd, Fort McMurray, AB

“Kevin offered great service and was really understanding. We felt very comfortable getting our first mortgage as he was there to help through the entire process.”

-Brandon and Christine Wetzel, Toronto, ON

“Kevin is a knowledgeable, honest, and professional individual that I would definitely continue to do business with, and would easily recommend to my friends and peers. His prompt replies, conciseness, and transparency provide great assurance in comfort and trust. These are critical attributes to look for in choosing the right Mortgage Broker for you. Purchasing a home is a stressful process, however Kevin’s professionalism definitely helped reduce the stress involved in the purchase. I highly recommend him as a go-to-person for your real estate needs.”

-Dario K., Toronto, ON

“Kevin was instrumental during the entire process of informing me about my borrowing options and making sure we were hitting everything on the checklist to ensure a smooth transaction.”

-Albert Huang, Vancouver, BC

“Kevin was helpful from the first phone call. He drove the process of our mortgage renewal efficiently and always kept us informed. I was happy to let the Big 5 bank who held my mortgage know when they phoned at the proverbial “minute to midnight” with a matching offer that their team had lost out to the little guy who puts customers first. Five stars!”

-Max Stevens-Guille, Toronto, ON