


The Best Canadian Mortgages
Matrix Mortgage
LIC# 11108 | LIC#X300671
Canada's Largest Brokerage
Voted #1 'Broker Of The Year' (2018-2022)
WHO WE ARE
Matrix Mortgage Global is Canada’s Mortgage Company.
We are an experienced team of mortgage agents and brokers with backgrounds in financial planning, investments & real estate. Since 2008, we have provided thousands of Canadians with the mortgage solutions they need to improve their financial situation.
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We have worked hard to build the resources, knowledge and confidence to meet our client’s individual needs.
We have 3 offices in the Greater Toronto Area and have over 100 mortgage agents to help you with all your mortgage needs.
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We are high producing, high quality, award winning, experienced professionals who are industry advocates that demonstrate extensive due diligence on every application processed. Our reputation for working with our credit challenged clients to consolidate debt, preventing power of sales and rebuilding credit are just some of our key attributes.
WHY WORK WITH US ?
QUALITY SERVICE
We provide quality and unbiased guidance in your mortgage decision in order to find the RIGHT mortgage that suits you.
BEST RATES
Negotiating for our clients gives us access to some of the best rates - whether you are purchasing, refinancing or renewing.
SAVES YOU TIME
One application allows us shop the market to save you time - Calling A Mortgage Agent is like calling over 60 different Banks and Credit Unions.
AVAILABILITY
We are available on your terms - day, evening and weekends.
Book Your FREE No Obligation 15 Min Mortgage Meeting
OUR SERVICES
Purchases & Pre-Approvals
Looking to purchase a new property? Need a quick reliable closing ? No matter what your situation is, we can help simplify the buying process. Access to A, B, & Private lenders leaves us with strong solutions for any situation & lifestyle.
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Refinaces
Helping you review all your options before you renew & We'll help you choose the right mortgage, term, amortization and of course the best possible interest rate.
Private Mortgages
Fast, affordable private 1st, 2nd & 3rd private mortgages. We have access to Canada’s best resource for private mortgage funds. No income or credit requirements!
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* Special No Monthly Payment Option*


Reverse Mortgages
Canadian homeowners that are 55+ can enjoy equity to do things such as pay off debts, vacations, help family now with downpayment of their own home and not later (pass away),or just feel financially comfortable during retirement while staying in your home.Best part is there is NO MONTHLY PAYMENTS. Live life to the fullest with a reverse mortgage.
Mortgage Solutions For The GTA
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Renée Ross
Renée Ross brings over 13 years of experience in the financial industry with 8 years as a mortgage agent and now licensed under Matrix Mortgage, Canada's largest brokerage voted 'Broker Of The Year' 5x in a row ( 2018-2022).
“Each Individual Has A Unique Situation & Lifestyle which is why I make it my business to find the Right Mortgage for YOU!”
- Renée Ross
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Mortgage Agent
LIC#M15002189
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What is a pre-approved mortgage?A pre-approved mortgage provides an interest rate guarantee from a lender for a specified period of time (usually up to 120 days) and for a set amount of money. The pre-approval is calculated based on information provided by you and is generally subject to certain conditions being met before the mortgage is finalized. Conditions would usually be things like 'written employment and income confirmation' and 'down payment from your own resources', for example. Most successful real estate professionals will want to ensure you have a pre-approved mortgage in place before they take you out looking for a home. This is to ensure that they are showing you property within your affordable price range. In summary, a pre-approved mortgage is one of the first steps a home buyer should take before beginning the buying process.
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Can I get a home with just 5% down?Most lenders now offer insured mortgages for both new and resale homes with lower down payment requirements than conventional mortgages - as low as 5%. Low down payment mortgages must be insured to cover potential default of payment, and their carrying costs are therefore higher than a conventional mortgage because they include the insurance premium. With all low down payment insured mortgages, you are responsible for: :appraisal and legal fees :an application fee for the insurance :the payment of the mortgage default insurance premium (although the amount of the premium may be added to the mortgage amount).
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What mortgage term length is best?The length of mortgage terms varies widely - from six months right up to 10 years. As a rule of thumb, the shorter the term, the lower the interest rate the longer the term, the higher the rate. While four or five year mortgages are what most home buyers typically choose, you may consider a short-term mortgage if you have a higher tolerance for risk, if you have time to watch rates or are not prepared to make a long-term commitment right now. Before selecting your mortgage term, we suggest you answer the following questions: 1. Do you plan to sell your house in the short-term without buying another? If so, a short mortgage term may be the best option. 2. Do you believe that interest rates have bottomed out and are not likely to drop more? If that's the case, a long mortgage term may be the right choice for you. Similarly, if you think rates are currently high, you may want to opt for a short to medium length mortgage term hoping that rates drop by the time your term expires. 3. Are you looking for security as a first-time home buyer? Then you may prefer a longer mortgage term, so that you can budget for and manage your monthly expenses. 4. Are you willing to follow interest rates closely and risk their being increased mortgage payments following a renewal? If that's the case, a short mortgage term may best suit your needs.
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Short or long term mortgage?A longer-term mortgage is worth considering if you have a busy life and don't have time to watch mortgage rates. Our 4, 5 and 7-year mortgages let you take advantage of today's rates, while enjoying long-term security knowing the rate you sign up for is a sure thing. If you want to keep your mortgage flexible right now, you can explore a shorter-term mortgage that usually allows you to take advantage of lower rates and save.
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What's a fixed rate mortgage?The interest rate on a fixed-rate mortgage is set for a pre-determined term - usually between 6 months to 25 years. This offers the security of knowing what you will be paying for the term selected.
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What's a variable rate mortgage?A mortgage in which payments are fixed for a period of one to two years although interest rates may fluctuate from month to month depending on market conditions. If interest rates go down, more of the payment goes towards reducing the principal; if rates go up, a larger portion of the monthly payment goes towards covering the interest. Open variable rate mortgages allow prepayment of any amount (with certain minimums) on any payment date.