• We beat your bank’s rate!

    Give us a copy of your bank's posted rate, and we will do better!
  • Leave the mortgage rate negotiations to us!

    We have lenders and we will shop for the best suitable product for your needs!
  • We cover up to $350 on appraisals!

    Upon the successful closing of your refinancing with us, we reimburse $350 directly back to you!
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Emergency Mortgage

We will assist you to identify your requirements and goals, and will... Read more

Second Mortgage

A second mortgage is a secured loan, taken out on an existing mortgaged property... Read more

Bad Credit Mortgage

Several reasons may lead to facing a Bad Credit situation, such as inability... Read more

Debt Consolidation

Debt Consolidation is the practice of taking one loan to clear off... Read more

Really? 85% loan to value?

With Best Refinance equity 85 program you could refinance your mortgage and pay off your debt with one lower payment

What about my credit?

Best Refinance will provide a free credit report, debt analysis and a detailed plan to pay off higher interest debt with a new, low rate mortgage.

Compassionate people, powerful results.

Best Refinance understands bad things happen to good people and when faced with divorce, job loss or a sudden change in cash flow making ends meet can be tough. If your credit has suffered for recent slow payments or worse, collections, liens or costly judgements – we can help.

Complete the free application

Complete the app and receive a complete digital offer with a savings breakdown.

Review your loan offer

Meet with your team member and review your loan offer that will include a plan on how to repair your credit.

Give yourself a high 5

Complete the steps, pay off all of your bad debt and work with us to rebuild your damaged credit

A Better Rate than the Bank

Mortgage Refinancing Experts in Ontario

Transparent solutions for new mortgages and refinancing of existing properties.

As one of many mortgage providers in the Greater Toronto Area, Expert Mortgage has stood out over time, as we have provided clients with straightforward and transparent mortgage solutions. The mortgage financing area is quite complex, given the new rules and a wide array of banks and private lenders touting to have the best product at the best available rate. In some cases, after applying for your mortgage loan and paying certain costs to advance your file, you may be told that the initial rate agreed to – “just doesn’t apply in your case.”

At Expert Mortgage, we have never cared for the above noted tactic and believe in working within realistic parameters for our clients. This requires working with you to review your personal expectations and financial circumstances to ensure we have the right mortgage and the best rate suitable for your borrowing needs. As a former financial advisor with one of the chartered banks on Bay Street, I believe in viewing the full picture, as opposed to just throwing arbitrary rates out there, which may not be applicable to my clients. I would much rather take a personal approach and give you the facts, having reviewed with you what is feasible and what isn’t with respect to mortgage rates and your personal circumstances.

I am regulated by the Financial Services Commission of Ontario (FSCO), and as such, I work for you as your dedicated mortgage agent (as opposed to bankers who work for the bank and have their employer’s interest at heart). I hope that this website gives you some insight as to what is available in the mortgage refinancing world.

Feel free to call or email me with any questions or concerns. I look forward to working with you in securing your best mortgage and/or refinance.

Victor Kaushal

victor@bestrefinance.ca
416-895-6074

 

“Victor negotiated our mortgage rate down by almost half of what our bank had posted at the branch.”

Lisa V. – Milton, Ontario

Our Latest Rates

Note: Rates are subject to change without notice.
  Rates
Prime Rate 2.85%
1 Year 2.29%
2 Year 2.14%
3 Year 2.20%
4 Year 2.49%
5 Year 2.59%
5 Year Variable 2.25%
5 Year High Ratio 1.80%
  • Get Approval in 24 hours!
  • Cut Monthly Payments in half!
  • Most Competitive Rates!
  • Private Funding Access!
  • Bad Credit? No Credit? No Problem!
Call Us at 416-895-6074

Mortgage Calculator

Testimonials

We were 6 months behind on our mortgage and the sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can ’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.

My ex—wife’s lawyer gave me 30 days to buyout her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don ’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you.

I m self—employed with bad credit related to a past business failure. My new venture was going great and I wanted to buy a home, but the bank would not qualify me for a mortgage. I didn ’t know about private lenders until I saw your flyer. Thanks for fulfilling my dream of being a homeowner.

Earning only pension income I couldn ’t keep up with my payments. The bank said that due to my age they could not give me a loan. Paying off all my debt and giving me one low monthly payment helped me save my home of 35 years. I am very much indebted to you.

The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.

We are EXPERTS in hard to place mortgages! Get Approved. Call Today 416-895-6074