Mortgage Services

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.

Buy

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

Start your purchase plan Talk to an expert

Renew

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

Plan your renewal Talk to an expert

Refinance

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

Explore refinancing Get a free review

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Reverse

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

Explore reverse options Talk to an expert

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Commercial

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

See commercial guidance Talk to an expert

Lender Partners

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.

RMG Mortgages

Scotiabank

MCAP

EQ Bank

First National

TD Bank

CMHC Partners

Private Lenders

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.

Start the Conversation (905) 625-2288