Get the Monster on Your Side

First-time Home Buyers

We’re here to help you take advantage of all the perks first-time home buyers have access to and find a mortgage rate that fits your needs.

Debt Consolidation

Designed to simplify finances by combining multiple debts into one manageable payment, debt consolidation helps regain control over your financial situation.

Renovation/Construction Financing

Make your vision a reality with our renovation and construction financing solutions, designed to help you build or transform your space with confidence.

Reverse Mortgage

Stay in your home, maintain your independence, and access the funds you need with our Reverse Mortgage solutions, designed to support your lifestyle and goals.

Our Rates

1-Year Fixed

4.54%

3-Year Fixed

3.99%

POPULAR PLAN
5-Year Fixed

4.14%

10-Year Fixed

5.29%

Variable
Starting From

3.55%

*Updated every week. Rates may vary provincially and are subject to change without notice OAC
Conditions may apply. May be subject to additional qualifying criteria and rate premiums.

Lenders We Work With

Scotiabank
TD Bank
BMO
Home Capital Group
Meridian and more
About Us

The Monster Difference

Reputation

We are an award-winning Toronto mortgage broker with a weekly call-in show on CP24. We believe in giving back to our community.

Get All The Facts

We’ll spend time understanding your needs and providing you with all the details and options to make an informed decision. Our independence allows us to focus on working for you

Personalized Approach

We take the time to understand your specific situation and goals, crafting solutions that address your financial reality.

Client First

With over 25 years of experience, we’ll work closely with you to assess your eligibility for different mortgage options, considering your financial situation and both short-term and long-term goals.

First-time home buyer with keys

Find the Mortgage
for Your Dream Home

Managing your finances can be complex, whether you’re buying a home, renovating, or working towards other financial goals. As a trusted Toronto mortgage broker, we make it simple.

We provide transparent, independent advice and access to various mortgage options beyond what traditional banks offer.

Having helped 100,000 Canadians achieve their financial goals, we’re here to support you in reaching yours.

We have over 300 Google reviews by satisfied clients and happy homeowners.

Posted on Google Google
8 traxz profile picture
8 traxz
25 August 2026
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Working with Karen and Michelle at Monster Mortgage was truly an outstanding experience. She helped to navigate a tricky first dealings and buyout to obtain our first mortgage to buyout the family home. They were very communicative, professional and great to work with. Thank you for helping us to buying our first home and walking us through all the scenarios with your knowledge and professionalism.
Posted on Google Google
Carmen profile picture
Carmen
21 May 2026
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If I could give Karen 1,000 stars, I absolutely would. She is phenomenal and helped us through the most challenging times in our lives. Honestly, I don’t know what we would have done without her. Karen, thank you so much for all your hard work, support, guidance, and kindness throughout this entire process. You truly went above and beyond for us and made a stressful experience feel manageable. You are genuinely one of a kind. I can’t thank you enough for everything you’ve done. If anyone is looking for a mortgage broker, Karen is the one to call — trust me, there is no one like her! Thank you a million times. You are amazing! 👌👏👍
Posted on Google Google
Mary Grace G. profile picture
Mary Grace G.
21 May 2026
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We want to express our deepest gratitude to Karen and Michelle from Monster Mortgage. Their remarkable speed, expertise, and dedication were instrumental in making our dream of buying our first Canadian home a reality. Even under tight deadlines, they swiftly found us a financing deal. We highly recommend them! They truly embody their profession, and it was a blessing for people like us to find our dream homes. Thank you, Karen and Michelle, you are both champions! 🫶🤩❣️🎉 Our closing date was May 19, 2026, in Whitby, Ontario! 🇨🇦 We are so happy to be new homeowners! ❣️💕😍 Cheers! 🎉🫶
Posted on Google Google
Bohdan Klymkiw profile picture
Bohdan Klymkiw
4 May 2026
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Sat 2 May, 20:11 Happy Saturday Kristian & Surendra.! Thank-you so much, Surendra, for staying on top of our mortgage process for us. We are so happy about National Bank taking us on as their Client. People have noticed the change in both my husband & myself, as we look like the world has been lifted off our shoulders. We both feel like we can physically breathe again. We didn't realize how much the extra debt was literally weighing on us. I have a story to tell you, Surendra. Before I contacted Kristian to help us, I had actually visited a National Bank Branch in Heartland, asking them if they could switch out our Chip Mortgage to them. My sister in Newfoundland, worked for National Bank for years, and she told me that of all of the "Big 6 Banks", that National Bank was the most "Human". The young lady at National Bank, who was working with us, her name was Aman, was doing everything to help us because she really wanted it to work. She worked on our file for approximately a month, tirelessly, but in the end the underwriters couldn't approve it. I then told my husband that I was going to contact Monster Mortgage, because I saw your Ad on CP24, and the Ad stated, "When the Banks turn you away, come to us." I knew our house wasn't going to sell, Surendra, because the market is saturated right now, plus TD Bank told me to take our home off the market & wait for 3 years, because Donald Trump in the USA was ruining everything for everybody. Then Kristian scheduled you to do a phone call with us, & you told us that you would have a Lender for us within 2 days. When you came to our home on March 29, Surendra, and you told us that National Bank was willing to help us, my husband & I were so delighted. After you left our home that day. I told my husband that this is not a coincidence, and that we had to do whatever the National Bank wanted us to do. So, I call it "Fate". I totally believe that it all worked out the way it did, because we are exactly where we are supposed to be right now. Thank-you so much Kristian & Surendra from the bottom of our hearts, for saving us...😥We would refer anyone directly to the two of you...🌹Keep on doing what you are both doing...You change people's lives.! Have a wonderful summer & God Bless you both.! My husband, me, & our rescue cat, Harry), 🙋😺🙋
Posted on Google Google
Walter H. May profile picture
Walter H. May
1 April 2026
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Working with Karen Mann at Monster Mortgage to secure my first mortgage was an outstanding experience. Everyone is key, no doubt: from the Lawyer, to the Banker, insurance broker, et al; but Karen was our first step and we were so glad we connected with her. She had a clear understanding of the realities of working in the film industry, especially during a period affected by strikes, where income can be unpredictable. Despite the complexity of our situation, Karen guided us through a months-long process with steady reassurance and excellent communication. She was proactive, transparent, and consistently made us feel confident in every step we took. My fiancée and I are now happily settled into our home in the GTA, and we truly couldn’t be happier. We’re incredibly grateful for Karen’s support and would highly recommend her to anyone navigating the mortgage process.
Posted on Google Google
Laura Tompkins profile picture
Laura Tompkins
27 March 2026
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I can’t say enough good things about Kristian and Elaine . They really made our whole experience comfortable and efficient. Always quick to respond and accommodated all of our needs! And also they just treated us like people and not just a number . We can’t thank you enough Kristian and Elaine !
Posted on Google Google
rahool jain profile picture
rahool jain
10 March 2026
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I wanted to really call out the outstanding service from Randy. He got me a great rate and was very responsive and helpful.
Posted on Google Google
Troy profile picture
Troy
25 February 2026
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Karen and Scarlett both did an amazing job. Making the process of attaining a mortgage easy and simple. Commutation was great. Thank you again
Posted on Google Google
Kyle M profile picture
Kyle M
2 January 2026
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Can’t recommend Nuno and the team enough. Amazing service, great communication and they really work to get you the best rates.
Posted on Google Google
Ornella McLeod profile picture
Ornella McLeod
29 December 2025
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As a first-time home buyer with a challenging mortgage situation, I’m incredibly grateful for Karen’s help. She was professional, patient, and always explained everything clearly. Even with the complexities of my case, Karen worked tirelessly to find the right solution — supported by her amazing team and strong network. Thanks to their dedication, I’m now a proud homeowner. I highly recommend Karen to anyone looking for a knowledgeable and caring mortgage agent
Posted on Google Google
Jeff Greenaway profile picture
Jeff Greenaway
9 December 2025
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Monster Mortgage is an awesome company to deal with. Our most recent experience really highlights their commitment and execution. Our mortgage specialist Nickolas Procska showed the utmost in professionalism and dedication to our rather complicated lending needs. We wanted to purchase a partially completed home while also needing to apply for a mortgage on an imminent condo closing at the same time. Unfinished constructed homes on the market are more complex in terms of securing financing as they have limited lending arrangements. We had many moving parts to our real estate needs but Nickolas was an absolute magician in assessing our situation and offering the most favourable solution to best serve our requirements. He was a warrior in putting together ideas that would enable us to secure HELOCS against existing properties and a mortgage for a condo. We really admired his prompt communications, his easily understandable documented proposals and his valued accessibility during our stressful time. We really couldn’t have asked for more. If you require any assistance regarding your lending needs don’t even bother going anywhere else.
Posted on Google Google
Melissa profile picture
Melissa
1 December 2025
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Working with Kristian Harris was truly an exceptional experience. From start to finish, he went above and beyond in every possible way. Not only is Kristian incredibly knowledgeable and thorough, but he also takes the time to explain each step in a way that makes you feel confident and supported. He was always available when I had questions—no matter how big or small—and he consistently checked in to make sure everything was running smoothly. His dedication, professionalism, and genuine care for his clients set him apart from anyone I’ve worked with before. Thanks to Kristian, what could have been a stressful process felt seamless and manageable. I can’t recommend him enough. If you’re looking for a mortgage broker who will truly go the extra mile, Kristian Harris is the one you want in your corner.
Posted on Google Google
Hailey Wilson profile picture
Hailey Wilson
29 November 2025
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Highly recommend working with Sean. He helped us secure a great mortgage rate and was extremely helpful in guiding us through the process and making himself available for any questions that came up. We could not have asked for a better mortgage broker to assist us in the purchase of our first home.
Posted on Google Google
Theo profile picture
Theo
28 November 2025
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I have been dealing with Surendra Wankhede at Monster Mortgage for over 6 years now, and can honestly say it’s been a great experience. He has helped with all my mortgage needs over the years and I trust him 100 percent. He helped me out through tough and good times when nobody else could. Whether it be a new mortgage or a refinance, he will get the job done . If you are looking for a professional trustworthy mortgage broker , he is your man which has many years of experience in his field of work. Trust Monster Mortgage and Surendra with your mortgage needs. You won’t be disappointed. Thankyou Surendra for the years of Great Service.
Posted on Google Google
Jolan Szilagyi profile picture
Jolan Szilagyi
27 November 2025
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As a returning customer I can tell you that I had the best service 3 years ago and once again in 2025, Cindy didn’t let me down. Always on the top of things, the shortest turnaround time I have ever encountered. I highly recommend her!
Posted on Google Google
Lisa Byung Kim profile picture
Lisa Byung Kim
27 November 2025
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Wynand has been my broker for my last two mortgage renewals - he is very thorough and always has your best interests at heart. HIGHLY recommend!
Posted on Google Google
Jeremy profile picture
Jeremy
27 November 2025
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As a first time home buyer a decade ago, I went with Monster Mortgage to assist in finding me the best mortgage package. They made arrangements with a real estate agency and after I had a fallout with that agent, Monster Mortgage reached out to me to make things right! They contacted the real estate agency, expressed my displeasure, and found a different agent, committed to finding the right home for me and my wife. This agent did a fantastic job and found me a beautiful home that met all of my criteria. Monster Mortgage then took care of the rest to find me a mortgage with excellent rates and terms. Upon mortgage renewal, Monster Mortgage stepped in again after I was not pleased with my initial proposed mortgage rate. They negotiated a much better rate and terms on my behalf. With the largest and most important purchase of my life, Monster Mortgage really settled the anxiety and stresses of buying a home. I'm still living in my wonderful home and I'm still loving it! My mortgage is now almost fulfilled and Monster Mortgage has everything to do with that! Thank you, Monster Mortgage!
Posted on Google Google
kathy campbell-jensen profile picture
kathy campbell-jensen
26 November 2025
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We were super impressed with Sean's professionalism and focus on a positive consumer experience. We had a tight closing window and he made it happen. Huge thank you to Sean and the Monster Mortgage team!
Posted on Google Google
Tanecia Rodriguez profile picture
Tanecia Rodriguez
26 November 2025
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I have been working with Monster Mortgage since 2010. I first worked with Dave Currie, and then the past couple of times I had the opportunity to work with Sean Currie. Both were great! Our experience felt low barrier and seamless. Whenever I had questions, the staff were always able to support. I have suggested friends and relatives to Monster Mortgage, and I will continue to do so. Thanks for everything!
Posted on Google Google
Tyler Fregona profile picture
Tyler Fregona
20 November 2025
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I've had the pleasure of working with Karen Mann at Monster Mortgage over the past six months and she has been outstanding. From the start, Karen has demonstrated deep industry knowledge, clear communication and has a genuine care and interest in my goals. Karen's professionalism, responsiveness and approach made the entire process smooth and stress-free. I couldn’t be happier with the results and would highly recommend her to anyone looking for an agent in the space. I look forward to continuing to work with her in the future.

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With experience assisting over 100,000 Canadians, we’re here to help you explore your options, compare rates, and find the mortgage that suits you best.

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