Mortgage Broker in North York

Meet us at 15 Gervais Drive

Our office is at 15 Gervais Dr, Suite 310, North York, ON M3C 1Y8, near Don Mills Road and Eglinton Avenue East. Office phone 647-493-9351. Cell 647-638-6358. Hours are Monday to Friday, 8:30 AM to 5:00 PM, and weekends by appointment.

Find us on Google Maps: Choice Financial on Google. Parking is available in the building. Adult children and family members are welcome at meetings.

Prefer a call or video? That works too. Many North York clients start online and finish in the office when it's time to sign.

Neighbourhoods we know well

We're based in Don Mills and work across North York every week. The questions change by neighbourhood:

• Don Mills and Banbury: older detached homes with lots of equity, often next to rebuild offers. Families weigh renovating, adding a unit, or staying put with a reverse mortgage if they're 55+.
• Willowdale: a mix of long-held houses and busy condo corridors. Renewals, refinances and condo appraisals come up a lot.
• Bayview Village and York Mills: higher-value homes, multi-generational households, and equity used to help kids buy nearby.
• Lansing, Newtonbrook and the Yonge corridor: condo fees, building rules and switching lenders at renewal are common topics.

North York is part of the City of Toronto, so citywide rules on multiplexes, garden suites and laneway suites can apply. We'll check what fits your lot before you spend on drawings.

What North York homeowners ask us about

Can you beat what my bank is offering on renewal? Often, yes, but the rate is only part of it. We compare your bank's offer against 30+ lenders, then look at term, prepayment options, the penalty if you break early, and whether a line of credit should be built in. Renewal is usually the one time you can switch lenders without a break penalty. See mortgage renewal in North York.

Should we renovate or tear down in Willowdale or Don Mills? Moving within Toronto means Ontario land transfer tax and the City of Toronto's municipal land transfer tax, plus commission and moving costs. A refinance in North York or a HELOC to fund a renovation, addition or legal second unit is often worth comparing first.

We're self-employed / our income goes up and down. Banks look mainly at taxable income. We work with lenders who look at the full picture, including business financials and alternative programs, so writing off expenses doesn't automatically shut the door. More on self-employed mortgages.

We need cash without breaking our first mortgage. A second mortgage or a private mortgage can sit behind your first when a full refinance doesn't make sense yet. We always plan the path back to a regular lender.

We're 55+ and want to stay in the house. A reverse mortgage in North York can free equity with no required monthly payments. We compare it with a HELOC or refinance so you see the trade-offs. Independent legal advice is required in Ontario before a reverse mortgage closes.

Which option fits?

Every option has its own costs, penalties and qualification rules. We lay them out side by side before you decide.

Example scenario

Illustrative example, not a specific client. A Willowdale homeowner came in with a bank renewal letter and questions about using equity for a reno. We compared options across our 30+ lenders for renewing as-is, refinancing, and a HELOC. They left with a clear side-by-side of the trade-offs before deciding anything.

Free guides and next steps

Want to read first? Start with our free guides: mortgage renewal in Ontario, refinance in Ontario, debt consolidation and reverse mortgages in Ontario. Or go straight to Greg's bio and book a free call.

When you're ready, send the form or call. We'll tell you your next steps and options in plain language.