209 - 3852 Finch Ave E, Toronto, ON M1T 3T9
Brokerage #13763
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Brokerage #13763
FSRA #13763 · 50+ Lenders · No Cost to You · Toronto 2026
50+ Lenders · Same-Day Pre-Approval · Free
A mortgage broker works for you — not the bank. Instead of you visiting one bank and hoping for the best, we check 50+ lenders at once and find the lowest rate for your situation. We lock your rate for 4 months while you shop — and re-lock you lower automatically if rates fall before closing. For most home purchases, our service is completely free to you. lendsimpl (FSRA #13763) — Ontario’s trusted mortgage broker.
50+
Lenders Compared
Banks, credit unions, private
4.9/5
Client Rating
1,820+ verified Ontario reviews
Same Day
Pre-Approval
4-month rate hold
FSRA
#13763 Licensed
Ontario mortgage broker
Broker vs. Bank
When you apply directly to one bank, you only see one set of products. lendsimpl compares 50+ lenders simultaneously — at no cost to you — and finds the best rate for your specific situation.
Your bank only shows you their own products. lendsimpl compares big banks, credit unions, mortgage-only lenders, and private lenders — simultaneously. You see all your options at once.
Applying to multiple lenders on your own means multiple credit checks — each one affecting your score. lendsimpl does one check and shares it across all lenders. Your credit is protected.
Because we send volume to lenders, they give us rates individual borrowers can't access on their own. You often get a better rate through a broker than by walking into a branch.
Didn't qualify at your bank? lendsimpl knows which credit unions, B-lenders, and private lenders to approach — and exactly how to present your file to get approved.
Learn more →Lenders pay the broker fee for most residential mortgage transactions. You get expert guidance, multiple lender comparisons, and a same-day pre-approval — at no cost.
After your pre-approval, we watch rates. If they drop before your closing date, we automatically re-lock you at the lower rate. The bank won't do that for you.
What We Do
lendsimpl handles every mortgage type across Toronto and Ontario — from first-time buyers to complex investment portfolios. One brokerage, every solution.
Buying a home in Toronto or Ontario? We compare 50+ lenders to get you the lowest rate with the terms that actually fit your life.
New Purchase MortgageGet a full pre-approval letter — with a 4-month rate hold — in hours. lendsimpl handles everything from documents to lender submission.
Get Pre-ApprovedDon't auto-renew and overpay. lendsimpl compares your renewal options across all lenders — starting 120 days before your maturity date.
Renewal OptionsUnlock your home equity, consolidate debt, or lower your rate. lendsimpl finds the best refinance options across our full lender network.
Refinance OntarioVariable or fluctuating income? lendsimpl knows exactly how to document your income and which lenders are most flexible for self-employed applicants.
Self-Employed SolutionsNeed to close quickly or have equity but not income? Private lenders look at your property instead of your pay stubs. lendsimpl designs a clear path to a regular mortgage after.
Private LendingFree · Same-Day Pre-Approval · FSRA #13763
One application. 50+ lenders compared. Pre-approval letter issued same business day. 120-day rate hold guaranteed.
Our Process
From first contact to funded mortgage — here's exactly how lendsimpl's process works for Toronto and GTA borrowers.
Fill out lendsimpl's online form — income, employment type, and down payment. No branch visit, no waiting room.
We tell you exactly what to gather: T4s, pay stubs, bank statements. For self-employed: we guide you through the right documentation.
lendsimpl checks your credit once — with your permission. That single check covers all 50+ lenders. No repeated hits to your score.
We run your file through our full lender network — big banks, credit unions, B-lenders, private lenders. You see all your real options.
You get a pre-approval letter with the best rate, terms, and a 4-month rate hold — the same day you apply, in most cases.
Market Comparison
How lendsimpl compares on the factors that matter most: lender access, complex files, private mortgage availability, and regulatory licensing.
| Broker / Source | Lender Access | Complex Files | Private Mortgage | FSRA Licenced |
|---|---|---|---|---|
| 50+ (banks, credit unions, private) | Only their own products | |||
| Volume discounts not available at branch | Posted branch rates | |||
| Presents file to best-fit lender | One set of criteria only | |||
| One check — shared across all lenders | One check per application | |||
| Alternative, B-lender, private paths | Declined — no other options | |||
| Auto re-locks if rates drop | You have to ask | |||
| Free for most purchases | Free |
lendsimpl is based at 3852 Finch Ave E, Unit 209, Toronto, ON M1T 3T9 and serves borrowers across all of Ontario online and by phone.
Toronto's Trusted Mortgage Broker — FSRA #13763
lendsimpl compares 50+ lenders for your Toronto mortgage — purchase, renewal, refinance, or private. One application. Pre-approval same day. 4-month rate lock. 4.9/5 from 1,820+ verified Ontario clients. Free for most home purchases.
Frequently Asked Questions
Straight answers to the most common Toronto mortgage questions — from first-time buyers to experienced investors.
Free · FSRA #13763
50+ lenders compared. Same-day pre-approval. 4-month rate lock. Free for most home purchases.
Start Application →4.9/5 · 1,820+ Ontario clients
Client Reviews
Tried 3 banks before finding lendsimpl. They compared 12 lenders for my situation, got me approved with a great rate, and my mortgage was funded on time. The team was responsive, honest, and made the whole process far less stressful than I expected.
I used lendsimpl for both my purchase and my renewal 5 years later. Both times they beat my bank's offer. They remember you, they know your situation, and they genuinely look out for you. Absolute best in the GTA.
4.9 / 5 — 1,820+ verified reviews
All Mortgage Services
Whether it's your first purchase or your tenth investment property — lendsimpl has the lender and the solution.
Ontario Mortgages
New purchase mortgages across Ontario
Mortgage Pre-Approval
Same-day pre-approval, 4-month rate hold
Mortgage Stress Test
How the qualifying income check works
First-Time Buyers
FHSA, government programs, 30-year option
Mortgage Refinance
Unlock equity or lower your rate
Mortgage Renewal
Don't auto-renew — save thousands
Self-Employed Mortgage
Stated income & alternative solutions
Alternative Mortgages
B-lenders & credit union options
Private Mortgage Ontario
Equity-based, stress-test exempt
Bad Credit Mortgage
Solutions for damaged credit
HELOC Ontario
Home equity line of credit options
Today's Rates Toronto
Live mortgage rates across GTA lenders
About lendsimpl
lendsimpl is a licensed Ontario mortgage brokerage (FSRA #13763) headquartered at 3852 Finch Ave E, Unit 209, Toronto, ON. We work with 50+ lenders — big banks, credit unions, and private lenders across Ontario. Serving all of Toronto, the GTA, and Ontario since day one. 4.9/5 rating from 1,820+ verified client reviews. Verify our licence at fsrao.ca — search Brokerage #13763.
FSRA Licence
#13763
Lenders
50+
Rating
4.9 / 5
Reviews
1,820+
Related Guides & Calculators
We shop 50+ lenders for purchase, renewal, refinance, HELOC, private and commercial mortgages. FSRA #13763. Same-day pre-approval.