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Choice Financial is a local mortgage brokerage that offers our clients the best mortgage and terms we feel will most benefit the clients unique situation.

About Choice Financial

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At our company, we prioritize our clients' goals by focusing on our first objective: helping them achieve the results they desire. We understand that purchasing a dream home often requires securing the necessary financing, and we are here to assist in that process. Our team of experts is dedicated to providing personalized support and guidance to ensure our clients' financing needs are met. Whether it's finding the right mortgage options or exploring alternative funding sources, we leverage our industry knowledge and network to help our clients turn their dreams into reality. With our comprehensive services and unwavering commitment, we strive to be the partner our clients can rely on to navigate the financing journey and secure the funds needed to purchase their dream home.

Here is why you are in great hands with Choice Financial

2500+

Clients Helped

30+

Combined Years

of Experience

20+

Mortgage Brokers/Agents

Our Services

Comprehensive mortgage solutions tailored to your unique needs and financial situation

First-Time Home Buyer

Expert guidance for first-time buyers with competitive rates and personalized advice to make your homeownership dream a reality.

Down payment options
Government programs
Step-by-step guidance

Refinancing

Lower your payments and access your home's equity with our competitive refinancing options and expert market knowledge.

Lower interest rates
Cash-out options
Payment reduction

Home Equity Loan

Unlock your home's equity for renovations, investments, or major expenses with competitive rates and flexible terms.

Competitive rates
Flexible terms
Quick access to funds

Reverse Mortgage

For seniors 55+, access your home's equity without monthly payments. Stay in your home and improve your retirement lifestyle.

No monthly payments
Stay in your home
Tax-free income

Second Mortgage

Alternative financing solutions with flexible approval criteria when traditional lending doesn't fit your situation.

Flexible criteria
Quick approvals
Alternative solutions

Mortgage Renewal

Don't automatically renew! We'll find you better rates and terms to save you thousands over your mortgage term.

Better rates
Improved terms
Thousands in savings

Self-Employed

Specialized mortgage solutions for self-employed individuals with flexible income verification and competitive rates.

Flexible income verification
Competitive rates
Fast approvals

Debt Consolidation

Simplify your finances by consolidating high-interest debts into one low monthly payment with better terms.

Lower monthly payments
Reduce interest rates
Simplify finances

Investment Properties

Build your real estate portfolio with financing solutions designed for investment properties and rental income qualification.

Portfolio financing
Rental income qualification
Investment strategies

What Our Clients Say

Don't just take our word for it. Here's what real clients have to say about their Choice Financial experience.

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Visit Our Office

Located in the heart of East York, we're here to serve you in person or virtually across Canada.

785 Millwood Rd
East York, ON M4G 1W2

Phone

647-638-6358

Hours

Mon-Fri: 9AM-6PM
Sat-Sun: By Appointment

784 Millwood Rd, East York, ON M4G 1W2, Canada

Your First-Time Home Buyer's Guide: Let's Map This Out Together

I remember sitting with a young couple in my office a few years back. They were in their late twenties, renting in Hamilton, and they had that look in their eyes—equal parts excitement and sheer overw... ...more

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First-Time Home Buyer Programs: What's Available in 2026

I was sitting down with a young professional in Toronto last week. She’s been renting for years, saving diligently, and she’s finally ready to buy. But she looked at me and said, "Greg, I know there a... ...more

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Downpayment 101: What You Need to Know Before You Buy

I was on the phone with a young couple from Ottawa the other day. They’re renting, they’re saving, and they’re ready to buy—but they kept coming back to the same question: "Greg, how much do we actual... ...more

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How to Get a Mortgage When You’re New to Canada (And Where to Start)

I got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a ban... ...more

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I had a call a few months ago from a client—let’s call her Lisa. She’d separated from her partner months ago, moved out, and thought signing off the title meant she was done. Then she tried to apply f... ...more

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The Truth About Getting a Mortgage in Ontario After a Consumer Proposal

Most people who've been through a consumer proposal assume homeownership is off the table. It's not. It's just on a different timeline — and that timeline is shorter than most people think, if you bui... ...more

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Want to work with us?

Let's discuss your mortgage goals and create a personalized strategy that works for you.

Our team brings years of experience in residential and commercial lending, with a commitment to finding solutions that fit your lifestyle and financial objectives.

Contact us today for a no-obligation consultation.