Business Details
Your Trusted Mortgage Broker in Toronto, ON
Proper Mortgages is a client-focused mortgage brokerage dedicated to simplifying the financing process for homebuyers, refinancers, and investors. With over 50 lending partners, including major banks and private institutions, we provide tailored mortgage solutions to meet diverse financial needs. Our expertise spans first-time home purchases, self-employed mortgages, debt consolidation, and credit improvement strategies.Backed by decades of combined industry experience, we prioritize transparency, competitive rates, and personalized guidance. Our team ensures clients receive pre-approvals within 24 hours without credit checks, streamlining the path to homeownership. Recognized for a 98% client recommendation rate, we combine local market knowledge with national lending networks to deliver reliable, stress-free mortgage experiences.
Services
Mortgage Pre-Approval
First Time Buyers
Self-Employed Mortgages
New To Canada Program
Investment Properties
Debt Consolidation
Mortgage Renewals
Credit Improvement
Vacation Homes
Renovation Financing
Highlights and features
- We offer access to 50+ lenders including major banks and private institutions
- Our team provides 24-hour pre-approvals with no credit check required
- We specialize in complex cases like self-employed mortgages and credit repair
- Our clients benefit from wholesale mortgage rates guaranteed up to 120 days
- 98% of clients recommend our personalized mortgage solutions
What people say
Smooth and painless process
Excellent service
Attention to detail
Highly recommended
Made things easy
Services
Mortgage Pre-Approval
Our mortgage pre-approval service provides clients with a guaranteed rate for up to 120 days. This process confirms borrowing power without credit checks, helping buyers confidently enter the market. Clients receive personalized guidance to understand their budget and financing options.
First Time Buyers
We specialize in guiding first-time buyers through the mortgage process. Our team explains down payment options, insurance requirements, and tax incentives like the Home Buyers' Plan. Clients benefit from step-by-step support to ensure stress-free homeownership transitions.
Self-Employed Mortgages
Our self-employed mortgage solutions accommodate non-traditional income verification. We work with clients to present financial documentation in the best light, connecting them with lenders who understand entrepreneurial financial profiles and cash flow patterns.
Credit Improvement
We help clients strengthen their mortgage eligibility through personalized credit improvement strategies. Our experts analyze credit reports, identify improvement opportunities, and provide actionable plans to enhance borrowing potential while explaining how credit scores impact mortgage terms.
Debt Consolidation
Our debt consolidation service combines high-interest debts into a single mortgage payment. This approach simplifies finances while potentially reducing interest costs. We assess clients' situations to determine optimal consolidation strategies that align with long-term financial goals.
People
Brendan McLaughlin
Mortgage Agent Level 1
Brendan McLaughlin is a licensed mortgage professional with extensive experience in residential financing. He specializes in complex mortgage scenarios, helping clients achieve homeownership through personalized solutions and transparent guidance.
Questions
What mortgage options exist for self-employed individuals?
We offer specialized programs requiring alternative income verification. These solutions accommodate business owners, freelancers, and contractors seeking competitive mortgage rates without traditional pay stubs.
How does mortgage pre-approval work?
Our pre-approval process confirms your borrowing power within 24 hours. It provides a guaranteed interest rate for 120 days without credit checks, helping you shop confidently within your budget.
Can I use RRSP funds for a down payment?
Yes, first-time buyers can withdraw up to $35,000 from RRSPs tax-free through the Home Buyers' Plan. We guide clients through eligibility requirements and repayment obligations for this program.
What are the benefits of using a mortgage broker?
Brokers access 50+ lenders to find optimal rates, provide expert market insights, and handle application complexities. They offer personalized advice while advocating for clients' best interests throughout the financing process.
How do credit scores affect mortgage rates?
Credit scores determine eligibility and interest rates. We help clients understand score requirements for different lenders, offering strategies to improve scores or connect with specialized lenders for unique credit situations.
