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TORONTO MORTGAGE AGENT · FSRA LICENSED

Stop Overpaying on Your Mortgage. Fix the structure, not just the rate.

A typical GTA renewal can leave $1,800 to $5,400 a year on the table if you only compare the rate. I help you review the structure, cash flow, and lender options before you sign.

Most people chase the lowest rate and miss what can cost more: how the mortgage is set up. I review that with you on a free call.

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Jenny Tate, FSRA Licensed Mortgage Agent serving Toronto and the GTA
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Wealth strategy

Custom Mortgage Plans

Rate comparisons are illustrative. Actual rates, approvals, and savings depend on lender criteria, your credit profile, and market conditions at time of application. This is not a commitment to lend. Subject to lender approval.

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FSRA Licensed

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Tango Ontario

FSRA 13691

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Academic Excellence

MBA Finance

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Process Specialist

Six Sigma Black Belt

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Google Reviews

5-Star Rated Professional

Access to 50+ lenders including TD, RBC, Scotiabank, BMO, CIBC, First National, MCAP, Equitable Bank, Merix Financial, Home Trust, and 40+ more. Jenny shops the market so you don't have to.

Whatever stage you're at, stop overpaying.

Whether you're buying your first home, refinancing, or renewing, I build a strategy around your cash flow and long-term goals.

50+ five-star Google reviews across the GTA

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First-Time Buyers

Navigate Canada's mortgage landscape with confidence. From down payment strategies to pre-approvals that actually hold weight.

Read the first-timer guide →
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Refinancing

Unlock equity, consolidate debt, or fund major renovations. We analyze the break-even point to ensure refinancing works for you.

See if refinancing pays off →
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Mortgage Renewals

Don't just auto-renew with your current bank. We'll shop the market to find better terms and lower rates that banks hide from existing clients.

Run my renewal numbers →
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Self-Employed & New to Canada

Specialized solutions for non-traditional income. We know which lenders look past the T4 to understand your true financial strength.

How lenders read self-employed income →

How to get started

Start with the decision you need to make. Put your goal, timing and starting numbers in one place before a mortgage conversation.

  1. 1. Name your goal

    Buying, renewing or refinancing? Note your timeline and the payment or flexibility question you want to answer.

  2. 2. Gather your starting information

    For an existing mortgage, have your latest statement and renewal offer, if available. If you are buying or self-employed, use the guides below to prepare your questions.

  3. 3. Make the next step specific

    Ask what to check next: a document to request, a comparison to make, or an application requirement to confirm.

Ask Jenny about your next step

What Jenny's Clients Are Saying

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· 50+ Reviews on Google
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"Jenny is amazing and wonderful person. We had a hard time trying to get a mortgage. We found Jenny and she made our dream come true. We own a house! Thank you again Jenny!! We will always recommend you!"

Gianfranco Perciasepe

Google Reviews

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"My husband and I had an amazing experience working with Jenny to secure the best mortgage rate. She was incredibly knowledgeable, patient, and dedicated to finding us the best deal. Jenny made the entire process smooth and stress-free."

Malvina Kozak

Google Reviews

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"Honest to goodness, Jenny is the angel of mortgage brokers! She was beyond helpful, responsive and patient from start to finish! She genuinely cares about her clients and seeing them obtain their best options available. Very trustworthy and has your best interest at heart!"

Lisa Mahn

Google Reviews · Local Guide

Book your free mortgage review. See where you could save.

In a free 15-minute call, I'll review your rate, structure, and renewal options and show you where you could save. No obligation, no credit check.

Get Your Free Mortgage Review

Tell me about your situation, or ask any mortgage question. I reply within one business day.

No spam. No credit check. Jenny replies within 1 business day.

Frequently Asked Questions

How much does a consultation cost? expand_more

Consultations with Jenny are 100% free of charge. In most cases, our fees are paid by the lender, meaning you get expert advisory services at no direct cost to you.

How is Jenny different from my bank? expand_more

Banks only offer their own products. Jenny compares options from financial institutions and lenders approved under the National Housing Act. Learn when private mortgage lenders in Toronto may be considered and why those transactions must be handled by a Mortgage Agent Level 2 or Mortgage Broker.

I'm self-employed. Can Jenny help me? expand_more

Absolutely. Jenny specializes in "stated income" and BFS (Business for Self) applications. We know exactly which lenders have the best programs for entrepreneurs and how to structure your application for success.

What documents do I need to get started? expand_more

Initially, we just need basic info. As we progress, we'll need proof of income (T4s/NOAs), identification, and details about your current assets or the property you're looking to purchase.

How long does the pre-approval process take? expand_more

Once we have all your documentation, we can typically secure a pre-approval within 24 to 48 hours, giving you the confidence to start house hunting immediately.

Can you help if I have a low credit score? expand_more

Yes. Jenny can compare options from financial institutions and National Housing Act-approved lenders that consider more than a credit score. If private financing is required, the private-mortgage assessment and transaction must be handled by a Mortgage Agent Level 2 or Mortgage Broker. Jenny also provides guidance on improving your score for future renewals.

4 Free Calculators

Run the Numbers Yourself, No Email Required

Four free calculators built for the situations Toronto and GTA homeowners actually face. No gate, no signup, results in 60 seconds.

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Renewing in 2026?

Mortgage Renewal Calculator

Model your renewal payment at any rate, compare fixed vs variable, and see what shopping your renewal is worth on your specific balance.

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Open the calculator →
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Carrying high-interest debt?

Debt Consolidation Calculator

See what rolling credit-card and line-of-credit debt into your mortgage would do to your monthly cash flow and total interest cost.

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Open the calculator →
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Age 55+ exploring home equity?

Reverse Mortgage Calculator

Enter a lender quote or an amount to test, along with payoffs, costs, rate and home-value assumptions. See cash left now and projected loan balance and home equity at 5, 10 and 15 years. This tool does not estimate lender approval or compare providers.

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Open the calculator →
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Buying or renewing in Ontario?

Mortgage Payment Calculator

Estimate your monthly payment, total interest, and full amortization for any Ontario mortgage, with CMHC insurance and accelerated-payment options built in.

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Open the calculator →
Service Areas

Mortgage help across the GTA

Jenny Tate serves buyers and homeowners throughout Toronto and the Greater Toronto Area. Select your city for local market expertise and 50+ lender access.

Popular Guides

Start with the most-read mortgage guides