Licensed mortgage advisors
who stay with you.
We compare 100++ lenders to find your best mortgage rate — at no extra cost to you, with no obligation. Your licensed advisor is with you from your first question all the way to closing day.
The six rules we won’t break.
Straight advice. Transparent numbers. One advisor who picks up the phone.
The math is the math.
If a refinance won't save you money after the penalty, we tell you that upfront. No recommendation leaves your advisor's desk without the numbers checked first.
Your advisor owns the file.
Same advisor, first call to closing day. No call-centre rotation. No 'someone will get back to you.' Your advisor's name is on the file — and they pick up when you call.
The portal tells the truth.
You can see exactly where your application stands at any time — every document, every condition, every lender response. No guessing. No chasing.
Your advisor makes the call.
Maya answers questions and runs the numbers around the clock. But a licensed mortgage advisor reviews everything and signs off before anything goes to a lender. Always.
Speak your language.
Our advisors speak English, Punjabi, Hindi, Urdu, Tamil, Farsi, Gujarati, Vietnamese, Spanish and more. If we can't pair you with a fluent advisor, Maya translates in real time.
Your data stays in Canada.
Everything you share with us is encrypted and stored on Canadian servers only. PIPEDA + Quebec Law 25 compliant. We never sell your data — ever.
How we
got here.
From a three-person office to a Canada-wide advisor network — built on straight advice and real results.
Founded in Vaughan, Ontario
Mortgage Squad Advisors opens as a single-location brokerage with three agents and a 25-lender network.
Expanding the lender network
Network grows to 100+ lenders. First major commercial deal closes — a multi-unit residential building in Toronto's East End.
A partner network for clients outside Ontario
Clients outside Ontario are handled by licensed professionals in their own province through our partner network. Punjabi-, Hindi-, Urdu- and Tamil-speaking advisors join the team.
A larger multilingual team
A growing base of Google reviews and an advisor team that now speaks 15+ languages.
Maya AI launches
Our AI mortgage assistant goes live — available 24/7, answering questions in 50+ languages.
Licensed in Ontario, serving clients across Canada
FSRA-licensed in Ontario. 100+ lender partners. Local guides for 85+ Canadian markets. A licensed advisor works every file, and Maya answers questions around the clock.
We serve Canadians
across every situation.
Tap any situation below to see how we approach it.
If you’re…First-time homebuyers
First-time homebuyers
We walk you through pre-approval, lender options and government programs — in plain language, at your pace.
Explore first-time buyer optionsIf you’re…Homeowners refinancing
Homeowners refinancing
We compute your exact penalty, shop 100+ lenders and only recommend refinancing when you genuinely come out ahead.
Run my refinance numbersIf you’re…Self-employed borrowers
Self-employed borrowers
Traditional income docs don't apply to you. We know which lenders use bank statements or stated income — and get deals done.
See self-employed optionsIf you’re…New Canadians building credit
New Canadians building credit
Recent immigrants can qualify faster than you think. We match you with lenders who accept alternative credit history.
Check my eligibilityIf you’re…Investors buying rental property
Investors buying rental property
Rental income counts. We structure files so your investment property qualifies — even if you already have a primary mortgage.
Model my numbersIf you’re…Clients with bruised credit
Clients with bruised credit
We work with B-lenders and private lenders. Often we can fund the deal and have a plan to move you back to A-side at renewal.
Explore my optionsCompliance you can
verify. Service everywhere.
FSRA-licensed in Ontario. 85+ local markets. Your data on Canadian servers only.
- FSRA Brokerage License #13737 — Ontario
- MBLAA compliant — Mortgage Brokerages, Lenders and Administrators Act
- FINTRAC-registered — AML reporting + ID verification on every file
- Out-of-province files — Licensed professionals in your jurisdiction
- SOC 2 Type II in progress — Q3 2026 target
- AES-256 at rest · TLS 1.3 in transit — Encrypted end-to-end
- Canadian-only servers — Your data never leaves Canada
- PIPEDA + Quebec Law 25 compliant — Full data residency compliance
- FSRA + FINTRAC retention rules — Document retention as required
- Request a full export or deletion — Client Settings → Privacy, any time
Where we serve Canadians.
Is Mortgage Squad Advisors FSRA-licensed?
Yes. Mortgage Squad Advisors holds FSRA Brokerage License #13737. Every advisor on our team is individually licensed. We're licensed by FSRA in Ontario and serve clients across Canada: files outside Ontario are processed by licensed mortgage professionals in the client's jurisdiction through our partner network.
How is Mortgage Squad Advisors different from a bank?
A bank shows you their products. We shop your file across 100+ lenders — A-lenders, monolines, B-lenders, credit unions, and private — to find the best fit. Our advisors are paid by the lender on funding, not by you, and we have a rate-beat offer: if you bring a written, current offer from one of the six largest banks for the same product, term and amount, we will try to beat it or pay you $500 — keep it, or we'll donate it to your favourite charity. Conditions apply; see full terms.
What does Maya actually do?
Maya is our AI assistant. She answers questions instantly in 50+ languages, runs live affordability and payment math, explains complex products in plain English, and helps organize your file before your advisor reviews it. She doesn't make binding decisions — every recommendation is reviewed by a licensed advisor before it goes to a lender.
Where is Mortgage Squad Advisors headquartered?
Vaughan, Ontario — at 310-3100 Steeles Ave W, Vaughan, ON L4K 3R1. It is our only office. Ontario clients work with our multilingual advisors through a fully digital portal, so you never need to come in unless you want to; clients in other provinces are served through licensed partners in their province.
What does "data stays in Canada" mean?
Every byte of client data we hold — applications, documents, messages, credit signals — lives on infrastructure physically located in Canada. We never replicate to US data centres, even for backup. We are PIPEDA + Quebec Law 25 compliant and follow FSRA's data residency guidance.
Do I pay a fee to use a mortgage broker?
No. On standard residential mortgages, the lender pays the broker on funding. You see no broker fee on your closing statement. Specialty files (private mortgages, commercial, distressed situations) may carry a disclosed broker fee that you'd see upfront, in writing, before you agree to anything.
Now you know us. Let’s talk.
We’ll try to beat your rate, or pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply
Mortgage brokers across Ontario
Mortgage Squad advisors serve clients in every major Ontario market — find your city below.