Licensed Level 1 Mortgage Agent helping you secure the best rates from 50+ lenders across Canada
License # M18001808
Best rates guaranteed
127+ happy clients
Car loans, credit cards, student loans, etc.
Maximum Home Price
*Based on 32% GDS and 40% TDS ratios. Actual approval may vary.
I chose to become a mortgage agent because I believe everyone deserves access to clear, fair, and competitive mortgage solutions. As a licensed Level 1 Mortgage Agent with Mortgage Outlet, I work with more than 50 lenders across Canada to secure the rates and terms that best fit your unique situation.
My approach is simple: listen to your goals, explain your options in plain language, and guide you through every step of the process. Whether you're buying your first home, renewing your mortgage, refinancing, or investing in property, I'm committed to making the experience smooth, stress-free, and personalized.
George Theodosiou — Licensed Level 1 Mortgage Agent (FSRA License # M18001808)
Mortgage Outlet Inc. — Brokerage FSRA License # 12185
Rates and approvals are subject to change without notice and based on approved credit. Some conditions may apply.
Comprehensive mortgage solutions tailored to your unique situation. All services come with no cost to you - lenders pay our fees.
Special programs and guidance for first-time buyers, including government incentives and low down payment options.
Don't just renew automatically. Let me shop around to ensure you're getting the best rate when your mortgage comes up for renewal.
Access your home equity to consolidate high-interest debt, renovate, or invest in other opportunities.
Specialized mortgage solutions for rental properties and real estate investments with competitive investor rates.
Alternative documentation mortgages for self-employed individuals and business owners with flexible income verification.
Get pre-approved before you shop and understand exactly what you can afford with confidence.
Important Disclosure: All mortgage approvals are subject to income verification, credit assessment, and individual lender guidelines. Rates and terms may vary based on your financial profile. Interest rates are subject to change without notice. This is not a commitment to lend. Mortgage Outlet and its agents do not guarantee mortgage approval or specific rates.
Use our calculators to estimate payments and explore resources to help you through the mortgage process.
per monthly payment
*This calculator provides estimates only. Actual payments may vary based on lender requirements and additional costs.
Get pre-approved to know your budget and strengthen your offer
Shop for homes within your approved budget with confidence
Submit competitive offers with pre-approval backing
Complete mortgage application with your chosen property
Work with your lawyer to finalize and close the deal
Get answers to the most common questions about mortgages specific to Ontario homebuyers and homeowners.
Learn about different mortgage rate types and what factors influence the rates you'll be offered.
Your interest rate stays the same for the entire term
Best For:
Borrowers who value payment certainty and want protection from rising rates
Your rate fluctuates with the Bank of Canada prime rate
Best For:
Borrowers comfortable with rate fluctuations and seeking potential savings
Rate changes but payment stays fixed initially
Best For:
Those wanting payment predictability with variable rate benefits
Multiple factors determine the rate you'll receive. Understanding these can help you secure the best possible rate.
The overnight rate set by the Bank of Canada influences all mortgage rates. When this rate changes, variable rates adjust accordingly.
Higher credit scores (700+) qualify for better rates. Lenders view you as lower risk, offering more competitive pricing.
Larger down payments (20%+) often secure better rates. More equity means less risk for lenders and no insurance premiums.
Shorter terms (1-2 years) typically have lower rates than longer terms (5 years), but require more frequent renewals.
Primary residences get the best rates. Investment properties and second homes typically have slightly higher rates due to increased risk.
Stable employment and income verification help secure better rates. Self-employed borrowers may face slightly higher rates.
With access to 50+ lenders, I'll shop the market to find you the most competitive rate for your situation.
Stay informed with hourly updates on mortgage rates, housing market trends, and financial news affecting Ontario homeowners.
The Bank of Canada maintains its key interest rate, signaling a cautious approach to monetary policy as inflation shows signs of cooling across Ontario and Canada.
Toronto and Ottawa real estate markets experience increased activity as buyers return following months of uncertainty. Average home prices stabilize across major Ontario cities.
Recent data shows 78% of Ontario mortgage borrowers opting for fixed rates amid rate uncertainty. Mortgage brokers report increased demand for 5-year fixed terms.
Provincial and federal programs help first-time homebuyers enter the market. CMHC reports 23% increase in insured mortgage applications across Ontario.
Updated qualifying rates affect mortgage approvals. Financial experts explain how the stress test impacts borrowing capacity for Ontario homebuyers.
Mortgage refinancing applications up 34% as homeowners seek to consolidate debt and take advantage of competitive rates from multiple lenders.
This section automatically updates every hour with the latest mortgage and real estate news from trusted Canadian sources including Financial Post, Globe and Mail, Toronto Star, CBC News, and BNN Bloomberg. Stay informed about rate changes, market trends, and policy updates affecting Ontario homeowners and buyers.
Real stories from homeowners who trusted us with their mortgage needs.
"As first-time buyers, we were overwhelmed by the mortgage process. Our agent explained everything clearly and found us a rate that was 0.3% better than our bank offered. The whole process was smooth and stress-free."
Sarah & Mike Johnson
Toronto, ON
"I'm self-employed and was having trouble getting approved elsewhere. The team found a lender that understood my situation and got me approved within a week. Excellent service and communication throughout."
David Chen
Mississauga, ON
"When my mortgage came up for renewal, I almost just signed with my current lender. I'm so glad I called for a second opinion - we saved over $200/month by switching to a better rate and terms."
Lisa Rodriguez
Ottawa, ON
"Buying our second home as an investment property required specialized financing. The expertise and connections made all the difference. We closed on time and got exactly the terms we needed."
James & Emma Wilson
London, ON
We work with 50+ lenders across Canada to find you the best rates and terms available.
And many more regional and alternative lenders to meet your specific needs.
Contact me today for a free consultation. Let's discuss your mortgage needs and find the perfect solution.
Phone
(416) 875-1251
george@mortgageoutlet.ca
Service Area
Ontario, Canada
Hours
Monday - Saturday: 8AM - 8PM
Sunday: 10AM - 6PM
FSRA License # M18001808 with Mortgage Outlet Inc. (License # 12185). Your trust and security are my top priorities.
Access to major banks, credit unions, and alternative lenders ensures you get the best rates and terms available.
I'm compensated by the lender, not you. Get expert advice and service at no charge to you.
Pre-approvals in 24-48 hours. I work efficiently to meet your timeline and get you into your home faster.
Not just a transaction - I take time to understand your unique situation and find solutions that fit your life.
Flexible hours including evenings and weekends. I'm here to answer your questions whenever they arise.
Based on 127+ client reviews
"George made our first home purchase stress-free and found us an amazing rate!"
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