Mortgage Agent in North York

Your Local North York Mortgage Agent

Trilith Mortgages is based right here in North York, at 2 Lansing Square, Suite 707, near Highway 404 and Sheppard Avenue East. Whether you’re buying your first condo near Yonge and Sheppard, upgrading to a detached home in Willowdale, or refinancing a family home in Don Mills, you get local advice from someone who knows the neighbourhood and its housing market.

As a licensed mortgage agent (FSRA Licence #M25002936, brokerage: Breezeful, Licence #13470), we compare mortgage options from banks, credit unions and alternative lenders to find the right fit for you, not just the lender down the street.

North York Neighbourhoods We Serve

We help buyers and homeowners in every corner of North York, including:

• Willowdale and North York Centre: high-rise condos along the Yonge Street corridor, plus detached homes on quieter side streets
• Bayview Village and York Mills: larger detached homes and luxury properties
• Don Mills, Parkway Forest and Henry Farm: a mix of family homes, townhouses and condos near Fairview Mall and the Sheppard subway line
• Don Valley Village and Pleasant View: close to our Lansing Square office and Highways 401 and 404
• Newtonbrook, Bathurst Manor and Downsview: family homes, semis and growing new-build communities

Mortgage Solutions for North York Homeowners

First-Time Home Buyers

North York’s condo market is a common starting point for first-time buyers. We’ll show you how much you can afford, help you use the First Home Savings Account (FHSA) and RRSP Home Buyers’ Plan, and explain the first-time buyer rebates on land transfer tax. If you buy your first home with an insured mortgage, you may also qualify for a 30-year amortization, which lowers your monthly payment.

Purchase Mortgages

From pre-approval to closing, we’ll structure your purchase mortgage so your offer is strong and your payments fit your budget, whether it’s a condo, townhouse, semi or detached home.

Renewals and Refinancing

Many North York homeowners who locked in during the low-rate years are now renewing at higher rates. Don’t just sign your bank’s renewal letter: we’ll compare the market and, where it makes sense, help you switch lenders. You can also refinance to consolidate debt or fund renovations.

Home Equity, HELOCs and Second Mortgages

Long-time North York owners often have significant equity. We can help you put that equity to work through a HELOC, a second mortgage or a reverse mortgage.

Self-Employed and Newcomer Mortgages

North York is home to many business owners and newcomers to Canada. We work with lenders that understand non-traditional income and limited Canadian credit history.

What North York Buyers Should Know

• You pay two land transfer taxes. North York is part of the City of Toronto, so buyers pay both the Ontario land transfer tax and the Toronto municipal land transfer tax. Estimate yours with our Toronto Land Transfer Tax Calculator.
• Condo fees affect how much you can borrow. Lenders include a portion of condo fees in your debt service ratios. Check yours with our GDS & TDS Calculator.
• The stress test still applies. You must qualify at the higher of 5.25% or your contract rate plus 2%. Our Affordability Calculator shows you a realistic budget.

Frequently Asked Questions

Do I pay to use a mortgage agent in North York?

For most residential mortgages, no. The lender pays our compensation. If a fee applies, such as on some private or alternative mortgages, we’ll disclose it clearly in writing before you proceed.

Can we meet in person?

Yes. You’re welcome to visit our office at 2 Lansing Square, Suite 707, Monday to Friday, 8:00 a.m. to 5:00 p.m. We also meet by phone or video call.

How long does a pre-approval take?

Once we have your documents, a pre-approval usually comes back within one to three business days, depending on the lender.

Do you only work in North York?

No. We help clients across Toronto, Durham Region and the rest of the GTA.

Talk to a North York mortgage agent today: call (647) 409-5155, send us a message or book a free discovery call below.