Ontario mortgage questions, answered plainly.
A quick reference for buyers, renewals, refinances, and clients who want the trade-offs explained before they choose a lender.
Do you work with clients outside Toronto?
Yes. Lawrence Park Mortgage serves clients across Ontario, with roots in Toronto's Lawrence Park and The Blue Mountains.
Should I renew with my current bank?
Not automatically. Your renewal is a chance to compare rate, term, penalties, prepayment privileges, and lender flexibility before you sign.
Can you help if I am self-employed?
Yes. Self-employed files often need more explanation and stronger packaging. We help present income, assets, and business context clearly to suitable lenders.
What is the difference between fixed and variable rates?
A fixed rate gives payment certainty for the term. A variable rate can move with prime and may offer flexibility, but the right choice depends on your risk tolerance, timeline, exit plans, and the actual fixed offer available to you.
How early should I start before a renewal or purchase?
For a renewal, start about 120 days before maturity. For a purchase, start before you shop seriously so your budget, rate hold, and offer strategy are clear.
Does a first call cost anything?
No. The first conversation is a practical review of your goals, timeline, and options so you can decide whether the next step makes sense.
Have a file-specific question?
The best mortgage answer usually depends on income, down payment, timeline, property type, and exit plans.
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