Toronto Mortgage Broker
Toronto mortgage broker services from Artisan Mortgages, licensed in Ontario under FSRA, for purchases, renewals, and refinances in the GTA. Call today.
A Toronto mortgage arranged by Artisan is an FSRA-licensed file. Closings can include Ontario land-transfer tax and the City of Toronto municipal tax. The Ontario lawyer confirms both before conditions are waived.
Ontario Licensed
Artisan Mortgages is fully licensed under FSRA to serve Toronto and all of Ontario with trusted mortgage advice.
Toronto Market Expertise
Ontario's market demands a strategic approach. We work with lenders who understand the GTA and have the products to match.
Personalized Approach
Whether you're buying your first home in Toronto or refinancing a downtown condo, we craft a mortgage strategy around your specific situation.
Mortgage Services in Toronto
Toronto closing rules
Toronto closings stack two land-transfer taxes: Ontario’s provincial tax and the City of Toronto’s municipal tax. Some first-time buyers qualify for rebates. The rebate amounts and the brackets change, so your Ontario lawyer confirms both before you waive conditions. We do not print percentages here.
Ontario mortgage brokers are licensed through FSRA. Artisan is licensed to arrange mortgages in Ontario. A downtown condo file usually needs status-certificate documents the lender names. A house in the rest of the city is more often an appraisal and a debt-ratio question. Neither one is an Alberta file with a different city name on it, because the cash to close includes taxes Alberta does not charge.
The Alberta refinance page explains an 80% refinance where there is no provincial land-transfer tax. A Toronto refinance still has legal and penalty costs. Ask for those numbers on your file rather than a national average.
Does Toronto charge land transfer tax?
A Toronto purchase generally faces Ontario’s provincial land transfer tax and the City of Toronto’s municipal land transfer tax. Rebates for some first-time buyers exist, and the amounts change. Confirm both with your Ontario lawyer. We do not print bracket percentages here.
Who licenses a mortgage broker for a Toronto file?
Ontario mortgage brokers are licensed through FSRA. Artisan is licensed to arrange mortgages in Ontario. The stress test and document rules still apply. Cash to close differs from Alberta because of the two land-transfer taxes.
1-780-952-4566 · moses@artisanmortgages.ca