CMGC works for you. We compare Canada's top lenders to find the right mortgage at a competitive rate, with a pre-approval in as little as 24 hours, at no cost to you.
Whether you're buying your first home, tapping equity, or renewing, our accredited brokers find the term and rate that fit your life.
Buying your first or next home? We secure the best term and the lowest rate in the market and guide you through every step.
Get started →Know exactly what you can afford and lock a rate, with an instant pre-approval in less than 24 hours so you can shop with confidence.
Get pre-approved →Tap your built-up equity up to 80% of your home's value, lower your rate, or consolidate, and save thousands over your term.
See if it fits →Don't auto-sign your bank's offer. We shop your renewal across 50+ lenders to negotiate a lower rate and reduce your payments.
Shop my renewal →Roll high-interest credit cards and loans into one lower monthly payment against your home equity, and take back your cash flow.
Lower my payments →Rebuilding or repairing your credit? We help you set a clear plan and position your file to qualify for the best possible terms.
Talk to us →Your bank is one great option, and it's one of many. As independent brokers, we bring you the whole market: banks, credit unions and monoline lenders, compared side by side to find the fit that's right for you. Our advice is unbiased, and it's free on most residential mortgages, because the lender pays us, not you.
Banks, credit unions, and monoline lenders competing for your rate.
Accredited professionals with decades in the lending industry.
No cost for our service on most residential mortgages, the lender pays us.
A GTA team that answers the phone and moves at your pace.
We keep the process streamlined and honest, so you always know where you stand.
Tell us your goals in a quick call. We review your situation and start a no-obligation application, no paperwork mountain.
We put 50+ lenders in competition and secure your best rate and term, with a pre-approval in as little as 24 hours.
We handle the details through to closing and hand you the keys, then stay on call for your renewal down the road.
Move the sliders to see what a mortgage could cost, then get a real quote from a broker in minutes.
Estimate only, for illustration. Assumes a fixed rate compounded semi-annually and excludes property tax, insurance, and any mortgage default insurance (required with less than 20% down). Rates shown are examples and change daily; your actual rate depends on your application and the lender. O.A.C.
FSRA-licensed brokerage
CMGC is a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario (#11392). Every mortgage is arranged under Ontario's brokerage rules.
Access to many lenders
We work with major banks, credit unions, and specialty lenders, and shop your application across them to find a competitive fit, not just one bank's offer.
No cost to you on most mortgages
On most residential mortgages we're paid by the lender, so our guidance and rate-shopping come at no fee to you. Any fee that would apply is disclosed before you commit.
What discerning buyers should know before purchasing a premium home in the Greater Toronto Area, from financing multi-million-dollar properties to structuring the right mortgage for high-value real estate.
Instant download. By requesting the guide you agree a CMGC broker may contact you. Educational information only, not an offer of credit. FSRA Brokerage #11392.
For most residential mortgages, no. The lender pays us a fee when your mortgage funds, so our advice and rate-shopping are free to you. If any fee ever applies (for example, certain private or complex files), we tell you up front before you commit.
Often within 24 hours. A pre-approval confirms how much you can borrow and lets you lock a rate, so you can house-hunt with confidence and make stronger offers.
Usually. Your bank quotes only its own rates; we put 50+ lenders in competition, banks, credit unions, and monoline lenders, and bring you the best one your profile qualifies for. Even a small rate difference can save thousands over your term.
Absolutely, first-time buyers are a big part of what we do. We explain the whole process in plain language, walk you through your down payment and closing costs, and make sure you use every program you qualify for.
As little as 5% on the first $500,000 of the purchase price. Under 20% down means you'll add mortgage default insurance, which can be rolled into the mortgage. We'll show you the exact numbers for your situation.
Tell us a little about what you need. A CMGC broker will reach out with your options, no obligation, no cost.
Instant download. By requesting the guide you agree a CMGC broker may contact you. FSRA Brokerage #11392.
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