Business Details
Trusted Mortgage Brokers in Toronto
Ask Ross has been a trusted leader in the Canadian mortgage industry for over 30 years, delivering personalized financing and debt relief solutions tailored to clients' unique needs. Founded on principles of integrity, expertise, and client-centric service, the company specializes in first-time homebuyer mortgages, private lending, credit repair, and mortgage refinancing. Recognized nationally for its financial literacy leadership and customer-focused approach, Ask Ross combines deep industry knowledge with a commitment to empowering clients through transparent advice and innovative solutions. With a team of seasoned professionals and a network of trusted lenders, the company consistently ranks among Toronto's top mortgage brokers, serving clients across Ontario and beyond. 
Services
First-Time Homebuyer Mortgages
Private Mortgages
Credit Repair Services
Second Mortgages
Mortgage Refinancing
Bad Credit Mortgages
Reverse Mortgages
Self-Employed Mortgages
CRA Debt Solutions
Mortgage Renewals
Highlights and features
- 30 years of experience in mortgage and credit solutions.
- Award-winning financial literacy leadership recognized nationally.
- Personalized mortgage strategies for first-time buyers and complex cases.
- Over 500 five-star reviews from satisfied clients.
- Extensive network of trusted lenders and tailored financing options.
Associations and certifications
- MPC Mortgage Professionals Canada
What people say
Personalized service
Credit score improvement
Quick approvals
Expert guidance
Stress-free process
Services
First-Time Homebuyer Mortgages
Tailored mortgage solutions for first-time homebuyers, including low down payments, stress-test guidance, and access to government incentives. Our team simplifies the process with pre-approvals, rate comparisons, and step-by-step support to ensure affordability and confidence in purchasing your first home.
Private Mortgages
Flexible financing options for clients with non-traditional needs, including debt consolidation, tax arrears, or unique properties. Partnering with private lenders, we offer competitive rates and customized terms for those who may not qualify through banks, ensuring access to funds quickly and efficiently.
Credit Repair Services
Expert-driven programs to correct credit report errors, improve scores, and restore financial health. With personalized plans and direct bureau advocacy, we help clients recover from bankruptcies or consumer proposals, enabling better mortgage eligibility and long-term financial stability.
Second Mortgages
Leverage your home's equity for renovations, debt consolidation, or emergency expenses. We secure competitive rates and flexible terms, ensuring minimal disruption to your primary mortgage while maximizing cash flow through interest-only or structured repayment options.
Mortgage Refinancing
Strategic refinancing to lower rates, access equity, or consolidate debt. Our brokers analyze market trends and lender offers to renegotiate terms that align with your financial goals, reducing costs and enhancing long-term savings.
People
Ross Taylor
Mortgage Broker & Founder
With over 30 years in financial services, Ross is a nationally recognized mortgage expert holding degrees from Waterloo and McMaster Universities. He has authored 700+ articles, won multiple industry awards, and specializes in credit repair and complex mortgage solutions.
Azie Pouragha
Senior Mortgage Underwriter
Azie brings extensive underwriting expertise, ensuring precise risk assessment and tailored mortgage approvals. Her analytical approach and client-focused mindset streamline the lending process for diverse client needs.
Connor Green
Senior Mortgage Underwriter
Connor specializes in evaluating complex mortgage applications, combining technical precision with a commitment to delivering accessible financing solutions for first-time buyers and private lending cases.
Charles Edwards
Mortgage Agent & Underwriter
Charles offers dual expertise in mortgage brokering and underwriting, ensuring clients receive both strategic advice and accurate risk assessments tailored to their financial profiles.
Richard Moxley
Credit Specialist
Richard focuses on credit repair and debt management, guiding clients through personalized strategies to rebuild scores and achieve mortgage readiness with transparency and expertise.
Questions
How can I qualify for a mortgage after a consumer proposal?
We specialize in post-consumer proposal mortgages, requiring rebuilt credit and a 20%+ down payment. Our team connects clients with lenders offering fair rates based on their financial recovery.
What credit score is needed for a mortgage?
A minimum score of 640 is typically required for prime rates, though we work with lenders offering solutions for lower scores, focusing on equity and repayment capacity.
Can I consolidate CRA debt into a mortgage?
Yes, we arrange private or second mortgages to settle tax debts, stopping penalties and restructuring payments into manageable terms against your home equity.
What are the benefits of a private mortgage?
Private mortgages offer flexible terms for non-traditional borrowers, including faster approvals, debt consolidation, and financing for unique properties or credit challenges.
How do I get a first-time homebuyer tax credit?
We guide clients through eligibility requirements, including claiming the $1,500 federal tax credit and land transfer tax rebates up to $4,000 for first-time purchases.
What closing costs should I expect in Ontario?
Closing costs typically range from 2-4% of the purchase price, covering legal fees, land transfer taxes, and adjustments. We provide detailed estimates to avoid surprises.
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