3852 Finch Ave E #209, Scarborough, ON M1T 3T9, Canada
Brokerage #13763
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Brokerage #13763
A mortgage broker compares lenders on your behalf. lendsimpl works with banks, credit unions, monoline and private lenders for Ontario buyers and homeowners, purchase, renewal, refinance, HELOC and private mortgages, and discloses any applicable fee in writing before you proceed.
5.0 on GoogleFSRA Brokerage #13763Ontario-wideWhere are you at right now?
No obligation
Purchase or renewal
4.74% per year
20%+ down, under $1.5M
3.85% per year
Up to 75% LTV
7.75% per year
Starting rates shown for comparison. Your rate depends on your credit, down payment, property and lender.
Buying, renewing, refinancing or just comparing, tell us what you are planning.
We go through your income, down payment or equity and credit with you.
We look at banks, credit unions, monoline lenders and alternative lenders, and private lenders where they fit your file.
We handle the paperwork and lender communication, and explain your options and any rate hold before you choose.
We work through the mortgage conditions with you and the lender until your mortgage closes.
A bank can offer its own mortgage products. A broker can compare several lenders for your file.
Banks, credit unions, monoline lenders, alternative lenders and private lenders, reached through one application.
Any fee that applies to your file is disclosed in writing before you commit.
lendsimpl is licensed and regulated by FSRA (Brokerage #13763), required to disclose fully and act in your interest.
5.0 on Google
Verified reviews
50+
Lenders compared
Up to 120 days
Rate hold with many lenders
30 minutes
Call with a licensed broker
FSRA Licensed
Ontario-wide
A mortgage broker is a licensed professional who helps you find and arrange a mortgage. Instead of approaching a single bank, your broker reviews your income, credit and goals, compares lender options, explains the trade-offs, rate, term, prepayment rules and penalties, and manages the application through to closing.
You'll be talking to
Tissa RatnayakeLicensed Mortgage Broker
Anne XavierLicensed Mortgage BrokerNot a call centre, real people, individually FSRA-licensed.
lendsimpl is licensed and regulated by FSRA (Brokerage #13763), required to disclose fully and act in your interest.
Any fee that applies to your file is disclosed in writing before you commit.
Your information is handled under our privacy policy.
Comparing your options does not commit you to anything.
5.0/5 average rating on Google
“Damien Atapattu made my mortgage process completely stress‑free. He prepared all documents ahead of time and clearly understands lender, lawyer, and appraisal requirements. A friendly, energetic professional who gets results.”
Aruna Bandaranayake
Google review · 6 mo ago
“Highly recommend! Damien took a lot of time to explain the terms thoroughly. He is very knowledgeable and trustworthy. Looking forward to working with him again!”
Tommy Ravindran
Google review · 7 mo ago
“Shamal was amazing throughout the whole process. He is very helpful, knowledgeable and patient. If you need a good reliable mortgage broker he is the guy! He will find you the best solution.”
Avy Loc
Google review · 7 mo ago
“Highly recommend. Damien was excellent throughout everything. Walking us through everything step by step. He was extremely well prepared and well versed in everything we needed to get a mortgage at a great rate.”
John Abraham
Google review · 8 mo ago
“I had a great experience working with Damien. He helped me secure a very competitive mortgage rate through Scotiabank and made the entire process smooth and stress-free. He was knowledgeable, transparent, and always quick to respond to my questions. I highly recommend him.”
Rz
Google review · 8 mo ago
“I approached lendsimpl for some financing and was amazed at the quality and time frame of service. Within a matter of days my deal was completed. Thanks to Damien and the team for expediting my business so efficiently. I highly recommend them for your financing needs. Five stars from us.”
Sunrise Meadows
Google review · 10 mo ago
How the two routes usually differ.
| Bank | Broker | |
|---|---|---|
| Lender options | One lender's products | Several lenders compared for your file |
| Who you deal with | The bank's advisor | A licensed broker required to disclose fully and act in your interest |
| Complex files | Depends on one lender's rules | Can look across lender types |
| Renewals | You receive your own lender's offer | We can compare other lenders' offers before you sign |
| Support | A branch or advisor | Direct contact with your broker |
Every file is different; your broker will explain what applies to yours.
Straight answers about working with a mortgage broker.
Have a question we didn't answer?
Our licensed broker team is happy to help.
Not necessarily. Mortgage brokers in Ontario can work with clients across the province. What matters is that the broker is licensed by FSRA, explains your options clearly and shows you the details in writing before you commit.
We arrange mortgages for purchases, renewals and refinances, home equity access, and mortgages for self-employed borrowers, credit challenges, investment properties and commercial properties, across Ontario.
Compare the same term, rate type and amortization across lenders, and look beyond the number. Prepayment terms, rate hold and how a lender treats renewals all affect the real cost. A broker can show you several lenders side by side. Rates depend on your credit, down payment, property and mortgage type.
It depends on the lender and the product. Any fee that applies to your file is disclosed in writing before you commit.
A pre-approval is a lender's review of your income, credit and down payment that sets a likely maximum mortgage and can hold a rate while you shop, up to 120 days with many lenders. It is not a commitment to lend. Timing depends on the lender and your documents.
Often there are other lender types to look at, including credit unions and alternative lenders. Which ones fit depends on your income, credit, down payment or equity and the property.
Still have questions?
Talk to a licensed broker.
From the GTA to communities across Ontario, we arrange mortgages wherever your property is.
Important
Rates and conditions
Rates shown are indicative for well-qualified applicants, subject to lender approval (OAC), and can change without notice. Your rate depends on your property, down payment or equity, credit profile and the lender.
Brokerage disclosure
lendsimpl is an FSRA-licensed mortgage brokerage (Brokerage #13763) serving Toronto and Ontario. Rates, lender terms and approval timelines vary by borrower profile and lender. All applicable fees are disclosed in writing before you proceed, as required by FSRA regulations.
Our FSRA-licensed brokers compare lenders for your situation. A personalized comparison, no pressure.
Hello: I look forward to connecting with you. Tell us a bit about your situation and we'll walk through your options.
Quick links
lendsimpl is a Financial Services Regulatory Authority of Ontario (FSRA) licensed mortgage brokerage, Brokerage #13763. Nothing on this page is a mortgage offer, a rate quote or legal advice. Mortgage pricing varies by credit profile, down payment or equity, income type, property type, loan-to-value, term and lender, changes frequently, and is subject to lender approval and underwriting conditions, not every applicant qualifies for the rates shown. All applicable fees are disclosed in writing before you proceed. OAC. E&OE.
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