Welcome! Let The Mortgage King serve YOU today!

Have a look at our latest rates, educational pages, and some of our many informative posts! Once you have gained valuable knowledge and insight, or feel you are ready, take advantage of one of our several easy-to-use calculators to clarify any mortgage calculations.

Are you ready to send in an application today? Simply click Apply Now at the top of the page to send in your quick and easy 5-minute application. The majority of the mortgage application process can be completed online and over the phone in just one to two hours!

For any questions or concerns, please do not hesitate to contact Harpreet Singh The Mortgage King at (416) 795-1919.

We understand the various financial obstacles that our clients encounter, both on short-term and long-term scales. We work to find the best mortgage that not only meets and supports your goals, but also your lifestyle and needs. Whether a first time homebuyer, sophisticated real estate investor, or any step in between, let us help you create or continue building wealth.

Whether you are salaried or self-employed, have perfect or less-than-perfect credit; we find the best solution for every unique case.

Whatever your need—first/next home, second/vacation home, second mortgage, investment property, renewal, refinance, debt consolidation, equity take out, renovation financing, or cash back—give us a call today! (416) 795-1919

Testimonials

Harpreet was such a pleasure to work with! He made the best out of what can sometimes be the most grueling process! Harpreet is extremely knowledgeable, thorough, flexible, and always goes above and beyond to ensure his clients are happy. Wouldn’t have done it any other way and looking forward to future dealings with him! Thanks Harpreet!
Seema J.
Today's Rates
Term Posted Rate Our Rate
6 Month 4.75% 3.30%
1 Year 3.29% 3.19%
2 Year 3.39% 2.94%
3 Year 3.54% 2.59%
4 Year 4.04% 2.94%
5 Year 5.19% 2.29%
7 Year 5.79% 2.89%
10 Year 5.99% 2.99%
1 Year Open 6.00% 5.50%
5 Year Variable 2.95% 2.40%
Our Commitment

We understand the various financial obstacles that our clients encounter, both on short-term and long-term scales. We work to find the best mortgage that not only meets and supports your goals, but also your lifestyle and needs. Whether a first time homebuyer, sophisticated real estate investor, or any step in between, let us help you create or continue building wealth.

Whether you are salaried or self-employed, have perfect or less-than-perfect credit; we find the best solution for every unique case.

Whatever your need—first/next home, second/vacation home, investment property, renewal, refinance, debt consolidation, equity take out, second mortgage, renovation financing, or cash back—give us a call today!

Latest posts

March 31st Mortgage Industry Update

March 31st, 2020 Mortgage Industry Update
The Bank of Canada held another emergency rate announcement on March 27th and cut its overnight lending rate from 0.75% to 0.25%. The prime rate has decreased to 2.45%. The possibility of further rate reductions remains unclear at this time as the economy deals with the COVID-19 pandemic.
Additionally this week:– Conference Board of Canada analysis predicting social distancing will cause nation’s GDP to fall …

March 24th Mortgage Industry Update

March 24th, 2020 Mortgage Industry Update
The Bank of Canada held an emergency rate announcement on March 13th and cut it’s overnight lending rate from 1.25% to 0.75%. The prime rate has decreased to 2.95%. The common prediction currently stands that the Bank of Canada will likely further reduce rates in the coming months to due the COVID-19 pandemic.
Additionally this week:– Last month’s announced change to Canada’s insured mortgage stress …

March 17th Mortgage Industry Update

March 17th, 2020 Mortgage Industry Update
The Bank of Canada announced on March 4th that it’s overnight lending rate will decrease from 1.75% to 1.25%. The prime rate has decreased to 3.45%. The common prediction currently stands that the Bank of Canada will likely either keep rates consistent for 2020, or the possibility of another rate drop sometime in the near future. 
Additionally this week:– Oil crashed (30%) the most in …

March 10th Mortgage Industry Update

March 10th, 2020 Mortgage Industry Update
The Bank of Canada announced on March 4th that it’s overnight lending rate will decrease from 1.75% to 1.25%. The prime rate has decreased to 3.45%. The common prediction currently stands that the Bank of Canada will likely either keep rates consistent for 2020, or the possibility of another rate drop sometime in the near future. 
Additionally this week:– Bank of Canada cuts its overnight …

March 3rd Mortgage Industry Update

March 3rd, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– BILD: GTA new house benchmark price of a single-family home reached $1,097,613 …

February 25th Mortgage Industry Update

February 25th, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– Toronto city council approved its $13.5 billion operating budget and its $43.4 …

February 18th Mortgage Industry Update

February 18th, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– Statistics Canada: Toronto population 6,471,850 in 2019, up 127,575 from 2018. Montreal; …

February 11th Mortgage Industry Update

February 11th, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– First-time home buyer incentive data: In total 3,252 applications were made to …

February 4th Mortgage Industry Update

February 4th, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– TREB reported the detached benchmark reached $961,100 in December, up 5.8% from …

January 28th Mortgage Industry Update

January 28th, 2020 Mortgage Industry Update
The Bank of Canada announced on January 22nd that it’s overnight lending rate will remain at 1.75%. The prime rate remains 3.95%. The common prediction currently stands that the Bank of Canada will likely keep rates consistent for early 2020, with the next major move likely being a rate decrease.
Additionally this week:– Bank of Canada stands still on the overnight rate at 1.75%. Good …

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