Business Details
28 Years
experience
Your Trusted Mortgage Broker in Toronto, Ontario
Butler Mortgage has been a trusted name in Canadian home financing for over 25 years. Our team of expert mortgage brokers leverages relationships with over 72 lenders nationwide to secure competitive rates and tailored solutions for every client. We specialize in simplifying complex mortgage processes through transparent communication and personalized guidance. With offices across Ontario and a digital platform serving clients nationwide, we combine local expertise with national reach. Our commitment to independent, unbiased advice ensures clients receive optimal mortgage products matched to their unique financial situations.From first-time homebuyers to seasoned investors, we provide comprehensive services including purchase mortgages, refinancing, renewals, and second mortgages. Our innovative RateGuard approval process offers 120-day rate locks, while our debt consolidation programs help clients achieve financial stability. Recognized for exceptional customer service, we maintain a 4.8-star rating from over 1,000 verified reviews. Backed by FSCO-licensed professionals and industry-leading partnerships, we deliver reliable mortgage solutions that prioritize client needs above all else.
Services
Mortgage Brokerage
Second Mortgage
Purchase Mortgages
Refinancing
Pre-Approval
Home Equity Lines
Investment Property Mortgages
First Time Buyers
Credit Repair
New to Canada
Details
- Year established: 1998
Highlights and features
- We offer 120-day rate locks with guaranteed best rates
- Our network includes 72+ Canadian mortgage lenders
- We provide independent, unbiased mortgage advice
- Our brokers have 25+ years of combined industry experience
- We guarantee transparent, no-obligation mortgage consultations
Associations and certifications
- FSCO Lic. # M08003555
- FSCO Lic. # M08002279
What people say
Best rate available
Excellent customer service
Knowledgeable professionals
Stress-free process
Prompt communication
Services
Mortgage Brokerage
Butler Mortgage provides comprehensive mortgage brokerage services connecting clients with 72+ Canadian lenders. Our FSCO-licensed brokers offer independent advice to secure optimal mortgage products. We specialize in competitive rate negotiations, flexible terms, and personalized financing solutions for purchase mortgages, renewals, and refinancing across residential, investment, and commercial properties.
Second Mortgage
Our second mortgage solutions help homeowners access equity through home equity loans and HELOCs. We offer competitive rates starting at 3.60% with flexible terms. Our brokers assess clients' financial situations to determine optimal loan-to-value ratios up to 85%. We provide tailored advice on debt consolidation, renovation financing, and investment opportunities while ensuring clients understand all associated risks and benefits.
Purchase Mortgages
We specialize in purchase mortgage solutions for first-time buyers and experienced homeowners. Our services include pre-approvals with 120-day rate locks, 100% financing options, and no-down-payment programs. We offer fixed and variable rate mortgages with amortization periods up to 35 years. Our brokers guide clients through the entire purchase process from rate selection to closing, ensuring competitive rates and minimal paperwork.
Refinancing
Our refinancing services help clients reduce monthly payments through rate negotiations and debt consolidation. We offer programs unlocking up to 80% home equity with interest rates starting at 2.15%. Our brokers analyze current mortgage terms against market options to identify savings opportunities. We specialize in penalty calculations and transition assistance to ensure clients maximize financial benefits when breaking existing mortgages.
Pre-Approval
Our pre-approval process guarantees interest rates for 120 days with automatic relocking at lower rates. We provide immediate approval letters to strengthen purchase offers. The process includes comprehensive affordability assessments to help clients understand budget parameters. Our digital platform enables quick online applications while maintaining personalized broker support throughout the home shopping journey.
People
William Butler
President & Mortgage Broker
William Butler, FSCO Lic. # M08003555, leads Butler Mortgage with 25+ years of mortgage industry experience. He specializes in complex mortgage solutions and debt consolidation strategies, helping thousands of Canadians achieve financial stability through innovative financing options.
Ronald Butler
Vice President & Mortgage Broker
Ronald Butler, FSCO Lic. # M08002279, brings extensive mortgage expertise to Butler Mortgage. With deep knowledge of Canadian mortgage markets, he focuses on building strategic lender relationships and delivering personalized mortgage solutions to residential and investment clients.
Questions
How does Butler Mortgage's rate-lock guarantee work?
Our RateGuard™ approval locks your interest rate for 120 days while shopping for a home. If rates drop during this period, you automatically receive the lower rate without additional fees or paperwork.
Can I get a mortgage with less than perfect credit?
Yes, we offer specialized programs for credit-challenged clients. Our brokers work with lenders offering flexible underwriting criteria and provide guidance to improve credit scores while securing competitive mortgage rates.
What are the benefits of using a mortgage broker?
Our brokers access 72+ lenders to find better rates than banks. We provide independent advice, handle all paperwork, and negotiate on your behalf to secure optimal mortgage terms tailored to your financial situation.
How much equity is needed for a second mortgage?
We offer second mortgage options with as little as 20% equity. Our brokers assess your specific situation to determine maximum loan-to-value ratios up to 85% while ensuring responsible borrowing practices.
Do you offer mortgage solutions for self-employed individuals?
Yes, we specialize in low-doc and non-income qualifier programs for self-employed clients. Our brokers understand unique income structures and work with lenders offering flexible documentation requirements for business owners.
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