Free consultation
The first call is a map. No fee to talk.
Free consult · no hard credit pull until you say yes
Purchase, renewal, refinance, HELOC, second mortgage, self-employed, or the bank already said no. I shop Clover’s lender list and I will say when a product is a poor fit.
The first call is a map. No fee to talk.
I do not run credit just to chat. A bureau happens only with your okay.
No SIN or ID photos through the website form. Official apply link only.
Tap the topic that sounds like your file.
Four clear steps. Same idea as Clover’s process: your file, your pace.
Goals, income, credit picture, and the property you have in mind. No hard pull until you say yes.
We build the file and, when you qualify, a pre-approval or in-house pre-qual so you can shop with a number.
Near closing we re-check docs and lock the rate that fits. I watch the market so you don’t have to.
Conditions, lawyer, funding, keys. Some complete files move fast. That’s a circumstance, not a banner promise.
Through Clover Mortgage: the mix behind your options.
For homeowners and buyers who need purchase, insured first mortgage, renewal, refinance, or rental help in Ontario.
Start here when the file is a primary home or a straightforward investment property—and you want a clear next step, not a rate promise.
Residential detailsFor special situations: seconds, HELOC, debt consolidation, self-employed, credit challenges, private bridges, reverse, and urgent timing.
Products depend on the file. Nothing on this site is an offer to lend.
See servicesOwner-occupied offices, mixed-use, and small retail—reviewed case by case through Clover’s network, not a full public menu.
Send property type, use of funds, and a short financial snapshot to see if a path exists.
Ask about commercialClover Mortgage agent · GTA & Ontario: brokerage-level strengths, one person in your corner.
Competitive Ontario rates through Clover’s lender list. Most people start with a 5- or 3-year fixed or variable. The number you get depends on your file, and some variables can start lower with a buy-down when you qualify.
| Term | Fixed | Variable | Private 1st | Private 2nd |
|---|
You’re with a Clover Mortgage agent. I shop many lenders for your file. A bank usually only sells its own mortgage.
| What you’re comparing | With Rozil (Clover) | At a big bank |
|---|---|---|
| Who we can ask for a mortgage | 70+ lenders: banks, credit unions, monolines, B lenders & private | Usually only that bank’s products |
| Whose side am I on? | I work your file and look for a fit across the brokerage list | Staff are there to sell the bank’s shelf |
| Credit pull | No credit pull until you say yes. First chat is a map, not a bureau hit. | Often pulls credit early in the branch process |
| Bank already said no / thin credit | Can still look at A, B, private & other paths when they fit | Often a hard stop |
| Self-employed / tricky income | More products that read self-employed income differently | Often wants textbook T4 income only |
| Purchase, renewal, refinance, HELOC, 2nd | All on the table when the file supports it | Limited to what that bank offers |
| Speed once documents are ready | Clean, complete files can move quickly | Often 2+ weeks even on simple files |
| First conversation | Free consultation. No fee to talk. No credit pull until you say yes. | Branch process and timing varies |
| If the first lender isn’t right | We can pivot to another lender on the list | You’re usually stuck shopping elsewhere yourself |
Tell me what you’re trying to do: purchase, renew, refinance, or the bank already said no. I’ll map honest options. No fee to talk.
Same community causes Clover Mortgage highlights. Logos/images can replace these placeholders later.
Seva Food Bank
Heart & Stroke
Operation Smile
MogulsReal client reviews will go here once permission is on file. Until then, book a call and judge the fit yourself.
Full list lives on the FAQ page. It was already built; it is now in the top menu too.
No. Compare a renewal, a switch, and a refinance first.
No. First call is a map, not a bureau hit.
Possible when title and documents are ready. Not a guarantee.