One front door.
Five clear mortgage paths.
Whether you're buying your first home, renewing before the deadline, accessing equity in retirement, or financing a commercial property — FairChoice maps the right path for your file.
First & move-up purchase mortgages
Getting a mortgage to buy a home in Toronto or North York means navigating one of Canada's most competitive real estate markets. FairChoice gives you a clear purchase plan — with lender options, payment projections, and a strategy that fits your income — before you make an offer.
- First-time buyer guidance including FHSA, Home Buyers' Plan, and land transfer tax rebates
- Pre-approval with real rate holds across 20+ lenders
- Move-up and investment property purchase strategy
- Self-employed and non-traditional income accepted
Mortgage renewal — before your lender sets the terms
Most Canadians accept the first renewal offer their lender sends. FairChoice helps you compare your options — stay, switch, or restructure — before the letter arrives and the decision feels rushed. Your renewal is one of the most underused financial opportunities you have.
- Renewal comparison across your current lender and 20+ alternatives
- Rate holds up to 120 days before your maturity date
- Restructuring options if your financial situation has changed
- No penalty to switch lenders at renewal — FairChoice shows you what's available
Refinancing for debt relief, equity access & payment clarity
A refinance can consolidate high-interest debt, access home equity for renovations or investment, extend your amortization to reduce monthly pressure, or restructure your mortgage around a changed income. FairChoice runs the numbers before recommending anything.
- Debt consolidation — roll credit cards and loans into one lower payment
- Equity access for renovations, investment, or family needs
- Amortization restructuring to reduce monthly payment burden
- Self-employed and complex income files handled with care
Reverse mortgage & payment-free options for eligible homeowners
Canadian homeowners 55+ with significant home equity may qualify for a reverse mortgage — accessing that equity as tax-free cash while continuing to live in their home, with no monthly mortgage payments required until the home is sold.
- Available to homeowners 55+ with primary residence equity
- No monthly payments required for the life of the mortgage
- Tax-free cash — for supplementing retirement income, home renovations, or family gifts
- FairChoice explains the full cost and estate implications before you decide
Commercial & business property financing beyond the bank box
Business owners and investors in the GTA need mortgage guidance that understands incorporated income, commercial valuation, and complex file structures. FairChoice works with lenders who move beyond the standard residential checklist.
- Commercial property purchase and refinancing
- Business loans and growth financing
- Mixed-use, multi-unit, and investment property guidance
- Credit repair strategies for business owners rebuilding their file
20+ lenders. One conversation.
FairChoice shops your file across major banks, credit unions, and alternative lenders — so you don't have to approach each one separately.
How FairChoice matches the right mortgage path
Every file starts with the same practical questions: what are you trying to do, what is the timeline, what income can be documented, what debts affect ratios, and what flexibility matters after closing?
- Buying: compare approval strength, payment comfort, closing costs, and lender conditions before waiving financing.
- Refinancing: test whether debt consolidation, equity access, or a renewal strategy actually improves cash flow after fees.
- Renewing: review the current lender offer against competing terms, penalties, portability, and prepayment options.
- Complex files: match self-employed, bruised-credit, private, or alternative-lender scenarios to the safest available route.
Not sure which path fits your situation?
Tell FairChoice where you are — buying, renewing, refinancing, or something else — and we'll map the right next step.