Mortgage Solutions | Ethgrity

One Application. 40+ Lenders. Your Best Rate.

Save time, energy, and stress. Whether you are a First-Time Buyer or a Real Estate Investor, we shop the entire Canadian mortgage market so you don’t have to.

Start Your Pre-Approval

Or book a strategy call first

🏠 New Purchase 💰 Refinance & HELOC 🔄 Switch & Save 📈 Investors

New Purchase & First-Time Buyers

Stop renting. Start owning.

The market is competitive. You need more than a generic “pre-qualification”—you need a verified Pre-Approval that gives you the confidence to make a firm offer.

First-Time Guidance: We guide you on utilizing the FHSA (Tax-Free Savings) and RRSP Home Buyers’ Plan to help maximize your down payment.
Rate Hold: Lock in today’s rate for 120 days while you shop. If rates go up, you are protected.
B-Lending Solutions: Self-employed? New to Canada? We have lenders who look beyond the standard credit score.

Refinance & HELOC

Unlock the wealth sitting in your walls.

Your home has likely appreciated in value. A Refinance or Home Equity Line of Credit (HELOC) allows you to access up to 80% of your home’s value at mortgage rates—much cheaper than credit cards.

Debt Consolidation: Turn 19% credit card debt into a manageable high 3% range mortgage payment. Save thousands in interest immediately.
Renovations: Fund a basement suite, new kitchen, or pool to increase your property’s value.
Investment Capital: Access cash to buy a rental property or other investments.

Switch / Renewal

Don’t just sign the bank’s letter.

Did you know 60% of Canadians sign their renewal letter without negotiating? Banks count on this apathy to offer higher rates. At renewal, you are a “Free Agent.”

Better Rates: We compare your renewal offer against 40+ other lenders to ensure you aren’t overpaying.
Free Switch: In most cases, the new lender covers the legal and appraisal fees to win your business.
Re-Amortize: Tight budget? We can extend your amortization at renewal to lower your monthly payments.

Rental Properties & The Smith Maneuver™

Strategies for the Advanced Investor.

We don’t just find you a loan; we structure your debt to be tax-efficient. We specialize in working with investors who own multiple doors.

Rental Offsets: We use lenders who count 50-100% of your rental income, helping you qualify for more properties.
BRRRR Strategy: Financing for Buy, Rehab, Rent, Refinance, Repeat.

🏆 Smith Maneuver Experts

We can structure a Readvanceable Mortgage that automatically converts your mortgage interest into tax-deductible investment loan interest.

We Save You Time & Energy

Stop repeating your story to 5 different bank managers. Do it once with us.

Single Application

One credit check. One set of documents. We package your file professionally to present you in the best light.

We Shop 40+ Lenders

From Big Banks to Credit Unions. We leverage our volume to secure exclusive rates and terms not advertised to the public.

Unbiased Advice

Bank employees work for the bank. We work for you. Our goal is the best product for your financial goals.

Common Questions

Does checking my rate hurt my credit score?

When we pull your credit, it counts as a single inquiry. We can then use that one report to shop multiple lenders, minimizing the impact compared to applying at 5 banks individually.

Do I pay you a fee?

For standard residential mortgages (A-Lending), our service is free to you. The lender pays us a finder’s fee. For B-Lending/Private deals, a broker fee may apply (always disclosed upfront).

What is the Smith Maneuver?

It is a legal tax strategy that involves re-borrowing the principal you pay down on your mortgage to invest. This converts your non-deductible mortgage interest into tax-deductible investment loan interest.