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Equity Takeout?

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We offer personalized service

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We have a pool of home loan options that allow us to find you the most ideal solutions. Our team of experts' research and negotiate on your behalf to secure the best outcomes.

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Where dreams meet reality, and every pathway to homeownership is crafted with care.

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"My Mortgage Medics helped me secure my first home effortlessly. Their expertise and support made the process smooth and stress-free. Highly recommend their services!"

Sarah J.

★★★★★

★★★★★

"Working with My Mortgage Medics was a game changer. They guided me every step of the way and made buying my first home feel easy and stress-free. Their professionalism and personalized approach truly stood out"

Jacob Blue

Predict the future by creating it

The mortgage process can feel overwhelming but it doesn’t have to be. With expert guidance and a personalized approach, we make your journey as smooth and stress-free as possible.

Our secure online application connects you with a real person who’s committed to finding the right mortgage solution for you. We handle all the details and work directly with lenders on your behalf.

This isn’t just a one-time transaction. It’s the start of a lasting relationship built on trust, support, and expert mortgage advice—wherever you are in Canada.

Stop Saying I Wish and start saying I Will

Frequently asked questions

How much can I afford to borrow for a mortgage?

It depends on your income, debts, credit score, down payment, and current interest rates. Most lenders follow the Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to assess affordability.

What’s the minimum down payment in Canada?

• Homes under $500,000: Minimum 5%

• $500,000 to $999,999: 5% on the first $500,000 + 10% on the rest

• $1 million or more: Minimum 20%

What is mortgage pre-approval?

Pre-approval is a lender’s estimate of how much you can borrow, based on your financials. It gives you a clearer home-buying budget and strengthens your offer to sellers.

What’s the difference between fixed and variable mortgage rates?

• Fixed rate: Stays the same for the term (e.g., 5 years)

• Variable rate: Fluctuates with the prime rate—can go up or down

How long is a typical mortgage term in Canada?

Most Canadians choose terms between 1 to 5 years, with 5 years being the most common. After the term ends, you can renew at a new rate.

Do I need mortgage insurance?

If your down payment is less than 20%, mortgage default insurance (from CMHC, Sagen, or Canada Guaranty) is mandatory.

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Get in touch for expert mortgage assistance and advice today.