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1st, 2nd & 3rd Home & Commercial Mortgage Broker


With offices in Toronto and across Ontario, MortgageDirect2u understands your mortgage is a big investment. That's why we take the time to understand your needs - so you get the best rate and mortgage product for your home or commercial property.

Whether you're self-employed, new to Canada, or require 100% financing, we have the perfect mortgage solution for you. We're committed to helping you purchase your new home, business, rental property or refinance your existing mortgage – even when other mortgage brokers can't.

Our well-established relationships with over 60 lenders – including Canada's four major banks – and affiliation with PnnChh Canada's largest mortgage broker, ensures you receive the best mortgage products and rates in the industry.


Why Use A Broker?

A mortgage broker understands that rate is only one aspect, and that negotiating other terms to your advantage will maximize your savings in the long run. We'll help you get a great rate with flexible repayment terms so you don't find yourself trapped with huge penalties if your needs change. «Read More»

Home Loans & Refinancing

Typically home refinancing is done when you have a mortgage on your home and apply for a second to pay off the first.  When considering a home refinancing, it is important to first determine whether your interest savings will exceed the fees you pay to refinance. «Read More»

Self-Employed Financing

Business for self financing (Alt-A BFS) allows clients who cannot provide traditional income verification, such as the self-employed or 100% commissioned salespeople, to qualify for a high ratio loan for purchase or refinance purposes. The properties must be owner occupied with a maximum of two units. «Read More»

Commercial Lending

A commercial mortgage is designed for businesses and investors who wish to purchase or refinance income producing, commercial properties. With competitive interest rates and a network of mortgage specialists we are committed to finding solutions meeting the individual needs of each customer. «Read More»

Second and Third

2nd & 3rd Mortgages

A 2nd mortgage or 3rd mortgage is a registered lien against your property that ranks subordinate or second to, or behind a first mortgage lien or line of credit. People Seek and obtain 2nd & 3rd mortgages «Read More»

Power of Sale

Power of Sale Financing

In Ontario, when a borrower defaults on their mortgage payments, the lender can repossess and sell the home to recover the cost of the loan.  This legal process is known as a Power of Sale. «Read More»


Mortgage Rates (*Rate Specials)

Rates effective as at July 21, 2014

6 MONTH 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 7 YEAR 10 YEAR
Posted Bank Rates 4.00 3.09 3.04 3.44 3.94 4.79 6.04 6.50
Canada Bond Yields 1.19 1.56 2.25
Prime Rate 3.00
Fixed Rates 3.95 2.89 2.59 *2.49 2.87 *2.89 4.09 4.39
Closed Variable Rates *2.35
Quick Close Rates 2.89
No Frills Rates 2.79
Cash-Back Rates 4.75
HELOC Rates 3.50

MortgageDirect2u broker rates represent the typical discounted rates available to borrowers with strong credit, qualifying income and assets. This data is for information purposes only and should not be relied upon without verification by contacting your MortgageDirect2u Mortgage Ontario Broker. Rates are subject to change without notice, are compounded semi-annually and not in advance. In unusual circumstances lender or broker fees may apply.

*O.A.C. E.& O.E.


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Call Us Today 416.275.9284 or Apply Online Now!
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