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For over 20 years, I’ve helped thousands of Canadians make smarter mortgage moves.
Now, I’ve built this site to help Canadians learn about and shop for mortgages. It’s built for real people with real questions, looking for real solutions.
You’ll find powerful tools that do the math for you, guides written in plain English, insights grounded in deep industry expertise and answers to literally any mortgage question.
When it’s time to take action, I tap into a network of dozens of lenders to offer hundreds of solutions that actually fit your situation, not just generic rate charts.
Call Malcolm
Clicking this will launch your phone’s dialer and connect you directly to Malcolm. Ideal for urgent questions of a quick chat.
Book a Call with Malcolm
Choose a time that works best for you. Booking seconds and guarantees Malcolm’s undivided attention.
Text Malcolm
Tapping the button below will open your phone’s text messaging app with Malcolm’s number pre-filled. Great for quick questions or to start the conversation casually.
Email Malcolm
Send Malcolm a detailed message directly. Expect a response within the business day.
Start Your Application
Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.
Book a Call with Malcolm
Choose a time that works best for you. Booking takes seconds and guarantees Malcolm’s undivided attention.
Email Malcolm
Send Malcolm a detailed message directly. Expect a response within the business day.
Start Your Application
Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.
Explore Your Mortgage Rates and Options with Confidence
By splitting our rates into two sections you have clarity and control.
- Featured Rates
A selection of today’s most competitive offers from trusted lenders, updated regularly and ready to go.
- Personalized Rates
Actual rates available today and uniquely matched to your lender type, so you see what’s likely to be available for you.
No Teasers. No gimmicks.
Real-world rates, backed by
expert guidance.
Our featured rates are better than just a low number, they're built for the way Canadians actually borrow.
Whether you've got perfect credit or something less, we've got a rate that fits.
The best mortgage starts with the
right fit, not a teaser rate.
Before we show you rates, we help you figure out which lenders are likely to say yes based on your real-life profile. This tool gives you an instant, expert-informed estimate of your most likely lender type as well as product features and rates.
- No name, no phone number, no email or sign-up required.
- No impact on your credit score.
- No judgement.
In seconds, you’ll get a personalized mortgage match and see the solutions (and rates) that are likely to work for you.
Click below to start.
A Lenders – Best Rates & Terms
A Lenders – Best Rates & Terms If your credit is strong and your income is easy to verify, A lenders offer the best rates and most flexible terms.
- These are the big banks and credit unions that you recognize as well as some of the monolines that you don’t.
- Ideal for salaried employees, professionals, and well-documented income earners.
| Credit Score | Typically 680+ for best rates |
|---|---|
| Income Type | Salaried, Hourly, Permanent, Verifiable |
| GDS/TDS Ratios | 39% / 44% or lower |
| Loan-to-Value (LTV) Limit | Up to 95% (insured), 80% (uninsured) |
| Property Type | Urban or suburban, owner-occupied |
- Purchase Only
- $500,000 Minimum Loan Amount
- High Ratio or Less than 65% LTV
Terms and Conditions Apply
- Purchase
- No Minimum Loan Amount
- High Ratio
Terms and Conditions Apply
- Conventional Mortgage
- Up to 30 Year Amortization
- 650 Min. Credit Score
Terms and Conditions Apply
- High Ratio Insured Mortgage
- 2% Cash Back
- 650 Min. Credit Score
Terms and Conditions Apply
- High Ratio Insured Mortgage
- Prime - 0.65%
- 120 Rate Hold
Terms and Conditions Apply
A- Lenders – Flexible Options
A- Lenders – Flexible Options Alt A lenders cater to borrowers who almost qualify for top-tier options but need a little leeway.
- These lenders often have solutions for self-employment borrowers, those with recent credit hiccups, or non-traditional income.
- Rates are still sharp, and approvals are fast with the right guidance.
| Credit Score | 650-679 |
|---|---|
| Income Type | Salaried, hourly or strong self-employed |
| GDS/TDS Ratios | 44% / 50% (ish) |
| Loan-to-Value (LTV) Limit | Up to 80% |
| Property Type | Urban or suburban, some flexibility |
- No or Low Lender Fee
- 120 Day Rate Hold
- Up to 30 Year Amortization
Terms and Conditions Apply
- <50% Loan to Value
- Up to 30 Year Amortization
- Extended Ratios Available
Terms and Conditions Apply
- 90 Day Rate Hold
- Up to 80% Loan to Value
- <580 Credit Score Accepted
Terms and Conditions Apply
B Lenders – Unique Solutions
B Lenders – Unique Solutions If your credit score is bruised, your debt ratios are high, or your income is hard to prove, B lenders are a solid solution.
- With higher approval rates and creative underwriting, they help bridge the gap without jumping straight to private money.
| Credit Score | 550-649 |
|---|---|
| Income Type | Self-employed, contract, bank statements |
| GDS/TDS Ratios | up to 50–55% (or more) |
| Loan-to-Value (LTV) Limit | Up to 80% |
| Property Type | Urban, suburban, rural, rentals |
- Prime + 1.99%
- Ideal for self-employed, contractors and commission sales people
- 650 Min. Credit Score
Terms and Conditions Apply
- Owner Occupied Primary Residence
- 680 Min. Credit Score
- 90 Day Rate Hold
Terms and Conditions Apply
- Credi scores from 550 - 599
- Extended Ratios up to 55/55
- Verifiable Income
Terms and Conditions Apply
- Credi scores from 640 - 679
- Extended Ratios up to 50/50
- Up to 35 Year Amortization
Terms and Conditions Apply
C Lenders – When Others Say No
C Lenders – When Others Say No MICs and Private lenders look beyond credit scores and paperwork to find mortgage solutions fast.
- Whether it’s for a short-term fix, an urgent closing, or a complex file, these lenders get the deal done.
- Rates, fees and other costs are often high.
| Credit Score | Flexible or Unrated |
|---|---|
| Income Type | Any source, stated income accepted, in some cases no income required |
| GDS/TDS Ratios | No strict limits, case-by-case |
| Loan-to-Value (LTV) Limit | Up to 95% (insured), 80% (uninsured) |
| Property Type | Virtually all property types including rural, unique, commercial, distressed |
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
- No Minimum Credit Score
- No Income Documents Required
- Up to 75% LTV
Terms and Conditions Apply
- No Minimum Credit Score
- No Income Documents Required
- Up to 65% LTV
Terms and Conditions Apply
Rate changes, policy updates, and market trends, all in plain language.
Quick, clear updates on rates, rules, and real-world mortgage tips, delivered straight to your inbox.
We’ve built a smarter mortgage experience using the latest tools and intelligent systems so that everything runs faster, cleaner, and more efficiently.
But technology alone isn’t enough.
We're grounded in old-school values: real follow-ups, real humans, clear explanations, and no last-minute surprises.
Our six service standards ensure a calm, confident mortgage experience.
We review your documents and flag any issues early.
That means less back and forth and no last-minute document hunts. We'll confirm receipt and begin our review within 24 hours (often much sooner).
You won’t get passed around.
From your first question to final closing, your file is handled by Malcolm the Mortgage Guy and one dedicated, licensed Agent who knows you and your file inside and out.
Confused? Concerned? Just say the word.
We'll pause the process to explain everything in plain English, no jargon, no pressure. We’d rather take an extra five minutes now than leave you confused later.
Calls and text are returned within 4 business hours.
When you reach out, you hear back, because mortgage questions shouldn't sit unanswered. You’ll always know who’s on the other end, and we never leave you hanging.
Nobody wants uncertainty going into the weekend.
Every Friday, we proactively update you on your file (even if there’s no news) so you can relax and enjoy your weekend. It’s one more way we keep you informed, in control, and stress-free.
We don’t do last-minute scrambles.
Our proactive process means your mortgage is fully reviewed, verified, and ready well before closing. No late-night document hunts. No day-before panic. Just calm, confident closings.
WE'RE COMMITTED TO
Transparency Statements and Legal Disclaimers
Last updated: June 14, 2025
This website, operated under the brand MalcolmtheMortgageGuy.ca, provides general information, tools, and services related to Canadian mortgages. The following disclaimers apply to all content, interactions, calculators, and tools provided on this site.
Malcolm Stoffman
Mortgage Broker (M18002114)
Real Mortgage Associates Inc. (FSRA 10464)
905-517-4228
1. Informational Purposes Only The information presented on this website, including chatbot responses, calculators, guides, and blog posts, is intended for general informational purposes only. It is not intended as financial, legal, tax, or mortgage advice and should not be relied upon as such. Please consult a qualified professional before making any mortgage or financial decision. 2. No Broker-Client Relationship Accessing or interacting with this website does not create a broker-client relationship. A formal relationship with Malcolm the Mortgage Guy, or any licensed representative, is only established upon execution of a written agreement and formal submission of a mortgage application. No fiduciary duty arises from the use of this site or its tools. 3. Mortgage Rate Information All rates displayed on this website, including featured or “best” rates, are subject to change without notice. Rates may vary depending on the type of borrower, mortgage product, property, credit profile, and other factors. Not all users will qualify for displayed rates, and eligibility is determined by full lender underwriting. Featured rates may include promotional offers or represent lenders who pay to be highlighted. We make every effort to clearly identify such placements. 4. Approvals Subject to Underwriting Any pre-qualification estimates or affordability projections provided through this site or its chatbot are based on limited user input and general lending criteria. Final mortgage approvals are conditional upon full documentation review, credit verification, income confirmation, and lender assessment. No guarantee of approval is provided or implied. 5. AI and Chatbot Content Some interactions on this site are powered by artificial intelligence (AI) for the purpose of answering common mortgage questions and simulating mortgage scenarios. While trained on expert data and Canadian mortgage rules, the AI may occasionally generate simplified, outdated, or incorrect information. Important: Not all AI content is reviewed or verified for accuracy. Always cross-reference critical advice or results with a licensed professional. 6. Accuracy and Timeliness of Information We strive to ensure the accuracy, reliability, and timeliness of all information posted on this website. However, mortgage rules, rates, and regulations are subject to change at any time. We make no guarantees regarding the completeness or ongoing accuracy of content, and accept no liability for errors or omissions. 7. Advertising and Compensation Malcolm the Mortgage Guy may receive compensation from lenders and partners for funded mortgage transactions. In addition, we may feature paid advertisements, sponsored rates, or affiliate content. Sponsored placements are designed to be transparent and clearly marked where applicable. 8. Third-Party Content and Tools This website may link to third-party websites or embed external content such as news feeds, calculators, or financial tools. We do not control or guarantee the accuracy, privacy, or security of any third-party content or platforms. 9. Privacy and Data Use By using this website, you acknowledge and agree to the terms of our [Privacy Policy], which outlines how personal information and website data are collected, stored, and used. Any data you voluntarily submit, such as through a chatbot or calculator, may be used to improve user experience or to provide follow-up assistance. 10. Jurisdiction and Compliance This website is intended for use by residents of Ontario, Canada, and complies with applicable mortgage regulations within that jurisdiction. Use of this site from other provinces or countries is not guaranteed to comply with local laws or lending practice
Whether you’re buying, refinancing,
or just curious, I’ll guide you
every step of the way.
Call Malcolm
Clicking this will launch your phone’s dialer and connect you directly to Malcolm. Ideal for urgent questions of a quick chat.
Book a Call with Malcolm
Choose a time that works best for you. Booking seconds and guarantees Malcolm’s undivided attention.
Text Malcolm
Tapping the button below will open your phone’s text messaging app with Malcolm’s number pre-filled. Great for quick questions or to start the conversation casually.
Email Malcolm
Send Malcolm a detailed message directly. Expect a response within the business day.
Start Your Application
Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.
Book a Call with Malcolm
Choose a time that works best for you. Booking seconds and guarantees Malcolm’s undivided attention.
Email Malcolm
Send Malcolm a detailed message directly. Expect a response within the business day.
Start Your Application
Your application will open in a new tab for your security. The platform uses “bank grade” encryption to protect your personal information throughout the process.
I know that I'm asking a lot, but I would be very grateful for a quick review.
Even a really quick review would help.
Thanks in advance.