Why work with a mortgage broker?
We are a team of mortgage brokers and agents working for you at every stage of your journey in the home market. We work to get you what you need at the right time and for the best results for you and your family. Most importantly the banks pay us directly, and we never charge fees to close your mortgage.
If you work with your bank, you will only be offered products from that institution. We have relationships with several different lenders offer you are variety of products on the market.
Working for you
8Twelve Mortgage brokers are motivated to work for you and not the banks. We have access to the best mortgage rates, products and terms to suit your long and short-term needs.
We help our clients complete the mortgage application process, as well as gather the required documentation by the lender. We walk you through each step until the deal is done.
Solutions that work for our clients
is your go-to for all of your mortgage needs in Ontario. We offer a variety of mortgage solutions that suit anyone looking to obtain access to equity in your home, get a second mortgage, to refinance, or consolidate debts.
Looking for a better mortgage?
Not all mortgages are the same. The right one can help build your wealth and save you thousands of dollars.
We work with self-employed Canadians every day and understand the issues that keep you up at night.
Need additional cash flow?
Access credit at lower rates by accessing your capital. Your home equity can be a valuable resource.
Some of our lenders
We work with all the top lenders in the country to help you get the best rate.
8Twelve Industry Insights
Read the 8Twelve blog for industry insights
What is the ‘best’ mortgage for me?
Is it the cheapest? The shortest? The longest? The one with the most payout options? It depends on what your needs are.
First-time home buyer tips
You are about to embark on the journey of a lifetime, make sure you consider all the things that go with this new adventure.
Do's and Don'ts of Refinancing
About one in six people with mortgages will refinance this year. And too many will pick the wrong financing.
Gary is very knowledgeable at what he does. He went above and beyond to help me get a great rate, I will definitely recommend him to anyone without blinking an eye. You make me feel comfortable during the whole process. I just want to say a big thank you for everything you have done for me and my family
Gary is definitely a gem in not only the world of mortgages but overall as a person. He goes above and beyond to help and do whatever he can to help. Gary has helped us and went out of his way to make things work. He is kind, smart and has amazing customer service. We highly recommend him to everyone.
Gary is a fabulous and very knowledgeable. He went above and beyond to help us get a great rate!! We highly recommend him to everyone!! Thank you sooo much Gary for everything you have done for our family!!
I was very happy with the professionalism and courtesy provided to us by Gary and his team in navigating and procuring for us a great deal on a rather large, $215K, 2nd mortgage to help complete our extensive home renovations. Many Brokers will promise and not deliver but Gary and his extensive contacts and experience in this industry enabled us to quickly secure a 2nd mortgage and achieve our goals.
Gary's work ethic is fantastic. Not only is he organized, aware and thorough with his clients, he truly does approach each situation with 3 options. I appreciate the fact that he does not rely on one option ONLY to service his clients. This is particularly important at times when the market fluctuates or when things simply happen outside of our control. Gary, you have my highest recommendation.
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