3852 Finch Ave E #209, Scarborough, ON M1T 3T9, Canada
Brokerage #13763
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Brokerage #13763
Mortgage broker in Ontario — an FSRA-licensed intermediary who arranges mortgages between borrowers and lenders — providing access to 50+ lenders and mortgage products from a single application, including monoline lenders not available to the public. Their services typically come at no direct cost to the borrower, since lenders pay the broker's fee. lendsimpl — FSRA Brokerage #13763.
A complete, no-spin comparison — so you know exactly who's right for your situation.
5.0 on Google (19 reviews)FSRA Brokerage #13763Toronto & Ontario-wideTakes about 30 seconds · Free · No obligation
From comparison to a locked rate — three steps.
See broker vs. bank side by side — lenders accessed, rates, fees, and speed.
One application, one credit pull — compared across banks, monolines, and credit unions.
Apply with the lender offering your best fit, at a rate your bank can't match.
Ready to see the comparison?
Tell us your numbers — we'll show you broker vs. bank.
50+
vs. 1 at your bank — including monoline lenders banks don't offer
0.10–0.30%
Monoline lender rates vs. big-bank posted rates
None
For most residential files — paid by the lender instead
lendsimpl is an FSRA-licensed mortgage brokerage (Brokerage #13763) comparing mortgage brokers and banks for Ontario homebuyers. Rate savings are indicative and vary by borrower profile, property, and lender. All applicable fees are disclosed in writing before you proceed.
For most residential mortgage applications, using a broker costs nothing — the lender pays a finder's fee, the same way they'd pay their own branch staff. Fees may apply for complex files (private, stated income, commercial) and are always disclosed in writing before you proceed, as required by FSRA.
Want the numbers for your specific file?
We'll walk through the options with you.
Monoline lenders — First National, MCAP, RMG — offer wholesale rates exclusively through FSRA-licensed brokers
One credit pull compares 50+ lenders — going to 5 banks means 5 separate hard inquiries
At renewal, brokers shop the entire market — banks only offer their own renewal, often 0.20–0.40% higher
FSRA-licensed Brokerage #13763 — a legal suitability obligation banks' mortgage specialists don't carry
Not sure which lender type fits your situation?
Tell us the situation — we'll tell you what's possible.
5.0 on Google
19 reviews
50+
Lenders compared vs. 1 at your bank
0.10–0.30%
Typical monoline rate advantage over big-bank posted rates
One
Credit pull — used to compare every lender
Going directly to your bank can make sense if you have significant assets there with a written relationship-pricing discount, or you're doing a simple renewal your bank already prices well. Even then, comparing through a broker first takes minutes and gives you a benchmark to negotiate with your bank.
See it for yourself.
Licensed brokers, straight answers.
Bank rate 5.14% vs. broker rate 4.84% — approximately $9,800 saved over a 5-year term.
Bank rate 5.29% vs. broker rate 4.89% — approximately $14,000 saved over a 5-year term.
Bank rate 5.19% vs. broker rate 4.79% — approximately $18,200 saved over a 5-year term.
Want your own numbers compared?
Get your rate comparison, or ask a question first.
Why over 40% of Canadian mortgages are now arranged through independent brokers.
Monolines, credit unions, banks, B-lenders, and private lenders — all compared for you in one application.
First National, MCAP, RMG, and others offer wholesale rates exclusively through FSRA-licensed brokers.
One credit bureau inquiry covers 50+ lender submissions. Going to 5 banks would result in 5 hard pulls.
Self-employed, bad credit, stated income, private mortgages — brokers know which lender to approach for each situation.
Lenders pay the broker's finder's fee. You get professional mortgage advice and full market rate comparison.
At renewal, brokers shop the entire market. Banks only offer their own renewal — often 0.20–0.40% higher than available.
FSRA Brokerage Licence #13763. Full fee disclosure required. Suitability obligation to act in your best interest.
FHSA, RRSP Home Buyers' Plan, CMHC BFS, land transfer tax rebates — brokers know every program and integrate them into your mortgage.
Still deciding between a broker and your bank?
Tell us your situation — we'll tell you what fits.
FSRA-licensed brokers must recommend products that are suitable for your specific circumstances. This legal obligation does not apply to bank mortgage specialists.
All fees and compensation must be disclosed in writing before you proceed. You have the right to know exactly how your broker is compensated.
You can verify any broker's licence at www.fsrao.ca. lendsimpl's FSRA Brokerage Licence #13763 is publicly searchable.
If you have concerns about a licensed mortgage broker in Ontario, FSRA provides a formal complaint process at www.fsrao.ca/complaints.
Questions about how it works?
No obligation, no pressure.
5.0/5 average rating
Get the same result.
Licensed Ontario brokers, real results.
Rather just talk it through?
A licensed broker is one call away.
Straight answers on rates, fees, regulation, and when each option makes sense — so you know exactly what to expect.
Have a question we didn’t answer?
Our licensed broker team is happy to help.
The main benefit of using a mortgage broker in Ontario is access to multiple lenders. A mortgage broker like lendsimpl (FSRA #13763) compares rates and terms from 50+ lenders — including banks, credit unions, monolines, and private lenders — on your behalf. A bank can only offer its own products, which may not be the best available. Brokers are also typically compensated by lenders, meaning their service is provided by lendsimpl.
Still have questions?
No obligation — just answers.
From downtown Toronto to the GTA and across the province — lendsimpl compares broker and bank options wherever you're buying, renewing, or refinancing.
Buying, renewing, or refinancing in one of these areas?
Let's compare your options.
lendsimpl is an FSRA-licensed mortgage brokerage (#13763) comparing 50+ lenders — including monoline lenders your bank can't offer — so you know exactly where you stand before you sign anything.
No forms, no waiting on a callback — pick a slot for a 15-minute call with a licensed broker directly below.
Hello — I look forward to connecting with you. Tell us a bit about your situation and we'll walk through your options.