Whether you're a first-time home buyer, prospective homeowner, entrepreneur, or seeking to consolidate debt, we're here to guide you toward success. With our expert advice and personalized solutions, achieving your financial goals has never been more accessible.
Say goodbye to uncertainty with our expert guidance and access to competitive rates and favorable terms, ensuring you get the best deal possible for your dream home.
Our customized mortgage solutions are designed to align seamlessly with your financial goals, allowing you to achieve homeownership without compromising on your other dreams and ambitions.
Don't let past setbacks hinder your future homeownership plans. Our experienced team specializes in finding solutions for all credit types, offering hope and opportunity to borrowers looking to turn their homeownership dreams into reality.
Relax and let us handle the heavy lifting. Our simplified approach ensures clarity and transparency every step of the way, guiding you through the process with ease and confidence.
Get pre-approved, and get financing for your new house, condo, or commercial property purchase. Our mortgage brokers will educate you on the types of mortgages available, and find the best rates, terms, and lending products that we can that are tailored to your financial situation.
Seamless Mortgage Services for Your Residential Property Needs.
Unlock Your Dream Home with Our Tailored Mortgage Solutions.
Tap Into Your Home`s Value with Flexible Equity Loan Options.
Bring Your Vision to Life with Specialized Renovation and Construction Financing.
Personalized Lending Solutions for Unique Credit Situations.
Fuel Your Business Growth with Innovative Commercial Financing Solutions.
Complete our 1-minute form and get a free custom mortgage pre-qualification
to kickstart your home buying process.
Use our quick mortgage calculator to estimate your potential mortgage payment.
This customized mortgage calculator is designed to provide you an estimate of potential monthly payments and total interest costs. Simply enter details like the mortgage amount, amortization period, payment frequency, and mortgage rate to see estimates.
This tool helps you determine affordability and compare payment options. For example, you can see how much the monthly payment decreases by extending amortization from 25 to 30 years, or how a 0.5% lower mortgage rate from our best mortgage broker saves thousands in interest over 5 years.
Whether you’re a first-time buyer researching home purchase costs or an experienced homeowner in the housing market considering refinancing, use our calculator to estimate payments. The estimates help guide discussions with our brokers about competitive rates and term options tailored to your budget. Our customized solutions start with understanding your needs.
Our mortgage brokers have over 30 years of combined experience in the mortgage industry.
Their expertise guides clients like you to financial success every day.
Meet with our mortgage experts to discuss your financing needs. We'll review
your options and create a customized lending solution.
Since 2018, Clover Mortgage Brokers has provided personalized mortgage solutions to home buyers in Toronto, the GTA, and all across Ontario. Our commitment to each client goes beyond simply securing financing. We empower you to make informed decisions at every step of the home-buying journey so you can achieve your property ownership goals.
Our team of mortgage brokers offers guidance based on your unique financial situation. We take the time to understand your credit history, income, assets, and financial objectives so we can find you the optimal loan product and rate. You'll never feel rushed or pressured.
At Clover Mortgage Brokers, our mission isn't complete until you hold the keys to your new home. We'll be by your side from pre-approval to closing, providing unmatched expertise and service. Contact us today to start your journey toward homeownership.
Learn moreOur simple 4-step process makes financing stress-free and understandable.
During our initial consultation, we'll discuss your financial goals, employment, credit and desired property. This helps us craft a financing strategy tailored to your unique situation.
After reviewing your financial details, if you qualify then we'll obtain a pre-approval letter stating your qualified mortgage amount and interest rate or will provide you with an in-house pre-qualification analysis. This can give you more negotiating power when making offers.
As you get closer to your closing date, we'll re-verify your documents and lock in the best rate. We closely monitor rates daily to seize opportunities.
We ensure all conditions are met, documentation is complete, funds are transferred, and keys are in your hands! We'll be available throughout the closing process to answer any questions.
*Rates start as low as 4.69% with our competitive pricing. By leveraging relationships with major banks, credit unions and private lenders, our best mortgage brokers in Toronto may be able to save you 0.10%-0.50% versus big banks.
*Rates are subject to change. Terms and conditions may apply.
We pride ourselves on quick pre-approvals, transparent communication, and guiding clients through the mortgage process with ease. Our mortgage products and expertise make financing smooth and straightforward.
Have issues with big banks? We help clients with bad credit, bank declines and unique situations get approved with alternative and private lenders at reasonable rates
*We offer quick pre-approvals and customized mortgage solutions for your situation. Our best mortgage brokers simplify paperwork and requirements to make the application process easy.
*Terms & conditions may apply
Get Toronto's best mortgage rates and financing solutions we have available. Our trusted Toronto mortgage brokers leverage relationships with Toronto mortgage lenders to get clients the optimal mortgage loan terms. Contact Clover Mortgage Brokers today!
| TERMS | FIXED | VARIABLE | PRIVATE 1ST MORTGAGE | PRIVATE 2ND MORTGAGE |
|---|---|---|---|---|
| 5 Year | 4.09% | 4.95% | ||
| 4 Year | 4.14% | |||
| 3 Year | 4.09% | 5.10% | ||
| 2 Year | 4.99% | 6.59% | 8.99% | 10.99% |
| 1 Year | 5.79% | 7.09% | 8.49% | 10.99% |
| 7 Year | 4.44% | |||
| 10 Year | 5.80% |
The Mortgage Savings Calculator from Clover Mortgage is an interactive tool designed to estimate your potential savings. To use it, input your current mortgage rate, loan amount, and term in years.
The calculator compares this with Clover's best 5-year fixed rate, helping you visualize your potential savings. Use this tool to make informed financial decisions and optimize your mortgage plan.
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To learn more about our mortgage broker services or apply for financing, contact us today!
Contact UsWe're partnered with over 70 trustworthy banks, credit unions and alternative lenders to provide you
with every possible mortgage loan option.
A mortgage broker is a licensed professional who works with lenders to find the optimal loan products and rates on behalf of borrowers. They shop multiple lenders to secure competitive pricing.
Mortgage brokers are sometimes paid a commission by the lender when they bring them new mortgage business. Some lenders do not pay a commission and the brokers would charge a reasonable brokerage fee which is disclosed to the client prior to signing any documents and the fee is only collected once the mortgage is funded at closing. There are no upfront fees or upfront costs for borrowers to use a broker.
Mortgage brokers educate borrowers on loans, find the best lenders and rates for their situation, prepare paperwork/documentation, negotiate rates with lenders, and guide clients through the full financing process.
Brokers access much better rates since they shop multiple lender options rather than just one bank. Brokers' expertise saves borrowers thousands over a mortgage term compared to banks.
Key questions: What are my mortgage options? How can I get the lowest rate? What fees are involved? How long until I'm approved? Can you help me if I have credit issues? How much communication will we have?
Look for an experienced broker with strong client reviews. Meet with brokers to assess their expertise and responsiveness. Look for membership in industry associations like MPC, CMBA, and licenses from FSRA.
3-6 months before buying a home or renewing, connect with a broker to discuss needs and get pre-approved. This provides home shopping power and certainty well ahead of time.
The Financial Services Regulatory Authority (FSRA) licenses and oversees mortgage brokers in Ontario. Brokers must follow strict regulations and practices to maintain licensing.
Let us know if you have any other mortgage broker questions! Our experienced team is here to help.
| Clover Mortgage brokers | Standard Mortgage brokers | Big Banks | |
|---|---|---|---|
| Approval & Funding | In as little as 48hrs | Varies | More than 2 weeks typically |
| Retired customers |  |
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| Poor credit customers | |
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| Custom mortgage products | 300+ | Varies | Limited to bank's offering |
| 100% Privacy guaranteed | |
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| Multi-provincial | |
Varies | |
| Works with over 75 lenders | |
Varies | 1 lender |
| We have a fudiciary duty to you, the customer | |
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Fudiciary duty to their employer, the bank |
| Many mortgage products for self employed borrowers | |
Varies | Limited to bank's offering |
| Our agents are trained and mentored by top industry experts | |
Varies | Bank training ONLY |
| Free pre-qualification | |
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