Toronto Mortgage Broker

My Perfect Mortgage Is...


MorCan Direct is a mortgage broker with offices in Toronto, serving thousands of clients across Canada.  Being a broker is very different from being a lender.  It means that we don’t finance your mortgage – instead, our role is to match you with the right lender to meet your specific needs and to get the banks competing to finance your mortgage.  While we’re working with you to secure your financing, we’ll also we give you Sound, Unbiased Mortgage Advice to make the whole process a little easier, not only today but also in the future when it comes time to renew, refinance or rejig your mortgage to suit a new set of circumstances.

By working with thousands of clients all over Canada and well over a billion dollars in mortgages, we have the clout and the experience to negotiate the best possible mortgages for our valuable clients, always being sure to take into consideration the rate as well as the terms of payment and prepayment and all the rest of the fine print.

Most of us at MorCan are entrepreneurs at heart, and we take a special interest in helping entrepreneurs with their mortgages.  In today’s mortgage market, banks are no longer as welcoming to people who are self-employed or who can’t prove their income.  About 1 in 5 Canadians earn at least a portion of their income through self-employment. And the big banks all advertise their strong support for entrepreneurs, but when it comes time to put their mortgage money where their marketing is, the system that relies heavily on minimizing risk and fitting people into tidy rows of check boxes fails to reward the business owner whose T4 does not paint the whole picture.

We believe that earning your living as a business owner is an accomplishment.  It shouldn’t be a deal-breaker.  Having worked with the same bank for years or even decades as an entrepreneur, you would reasonably anticipate some degree of understanding and even flexibility when it comes to applying for mortgage financing; you may be surprised.  If your bank is subjecting you to their cookie cutter approach, give us a call or apply online.  We love the deals that make your bank uncomfortable!

We at MorCan Direct work with people who can’t prove their income, who own their own businesses, work on commission, and maybe just aren’t salaried employees that the bank loves and understands now. We help them overcome some of the obstacles and find them lenders who are still willing to offer them great interest rates on their mortgages but understand more the constraints on their income.

Helping entrepreneurs is a very rewarding exercise for us at MorCan.  If we can share in the dream and if we can be part of making that dream happen, that is one of the most rewarding experiences. We provide options that fit with the bigger picture of your overall financial strategy.  We find solutions for people who thought that they couldn’t get the lowest rate on the market and we show them they can still get the best interest rate while representing themselves as they are: self-employed borrowers.



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