Best Refinance

We will find you the lowest rate!

Give us a copy of your bank’s quote, 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, request that we reimburse $350 directly back to you!

Home Equity Loans

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

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Second Mortgage

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

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Bad Credit Mortgage

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

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Debt Consolidation

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

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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


Toronto Mortgage Broker

Benefit From Our 25+ Years Of Mortgage Experience!

Transparent solutions for residential mortgages and commercial mortgage refinancing of existing properties.

As one of many Toronto Mortgage Broker services in the Greater Toronto Area, Expert Mortgage has stood out over time, as we have provided clients with straightforward and transparent borrowing solutions for both residential and commercial mortgages. 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 residential and commercial mortgage 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 client's commercial mortgage refinancing needs. 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 residential and  commercial mortgage rates and your personal circumstances.

As a Toronto Mortgage Broker service, 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  commercial 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 commercial mortgage and/or  commercial refinance.

Victor Kaushal.

“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.

Prime Rate 3.95%
1 Year 3.04%
2 Year 3.29%
3 Year 3.19%
4 Year 3.49%
5 Year 3.33%
5 Year Variable 3.05%
5 Year High Ratio 2.71%

  • Get Approval in 24 hours!
  • Cut Monthly Payments in half!
  • Most Competitive Rates!
  • Private Funding Access!
  • Bad Credit? No Credit? No Problem!

What Our Customers Say

Good feedback – as they seem very personable and approachable.

Ontario Properties

I dealt with this company and they were very quick to respond, knowledgeable and straightforward.

Karolina Svec

Straightforward solutions to mortgages & great customer service, thank you!

Mississauga Ontario

Honest and professional.

Lisa Van Der Deen

We are EXPERTS in hard to place mortgages!

Get Approved Call Today 416-895-6074

Apply Now