Etobicoke, Ontario · careers

Mortgage agent jobs in Etobicoke

The short answer

Mortgage agent jobs in Etobicoke are commission only, with no base salary. You need an Ontario mortgage agent licence from FSRA, and you can work remote or hybrid. We sponsor and train new agents, and welcome licensed agents who want to switch.

Mortgage Squad Advisors is where mortgage agents in Etobicoke build a bigger book: $0 monthly fee for producers, live + virtual training, your own brand leads at full split plus house leads at 40/60, 100+ A/B/private lenders, and AI tools that do the busywork. FSRA Licensed #13737.

West Toronto — detached family pockets, the Humber waterfront, and fast-growing condo nodes at Islington-City Centre. Strong move-up and first-time-buyer mix. For an agent in Toronto, that’s real, fundable volume — and with our full A/B/private lender shelf you can place the files Etobicoke actually has.

Apply to join in Etobicoke Call (905) 553-8550 Explore careers

FSRA #13737| $0 fee for producers| 100+ lenders

A couple reviewing mortgage options with an advisor in their living room

Licensed advisorsFSRA #13737 · 100+ lenders

Avg. price

$1,049,793

Etobicoke average, 2026

Population

~370k

Toronto

Lender shelf

100+

A · B · monoline · private

Your fee

for producing agents

Etobicoke market

The Etobicoke market for mortgage agents

West Toronto in character, Etobicoke runs from the leafy detached Kingsway to the fast-rising condo nodes at Islington-City Centre and Humber Bay Shores. That range means a first-time condo buyer and a move-up detached family can both be Etobicoke files on the same day.

Etobicoke's price map is steeper than its reputation

TRREB reports the City of Toronto by district, and Etobicoke is districts W06 through W10. In July 2026 those districts together averaged $974,818 across 300 sales — but the internal spread is what matters to a buyer. Islington–City Centre, the Kingsway and Markland Wood (W08) averaged $1,086,767, while the Rexdale and Thistletown end (W10) averaged $770,823, with the Mimico, New Toronto and Long Branch lakeshore (W06) at $939,558 in between. That is not a rounding difference; it is the difference between an insured file and a much larger cash requirement, and between property forms that are underwritten in entirely different ways. The lakeshore and Islington nodes are condo-heavy, which means the corporation is underwritten alongside you: an Ontario status certificate review can surface a thin reserve fund, a pending special assessment or litigation that stalls an approval regardless of your income, and buildings with a high rental or commercial share narrow the lender list further. The detached streets of the Kingsway and Markland Wood are the opposite problem — the property is rarely the obstacle, the competition is, and waiving a financing condition to win transfers appraisal risk from the lender onto you. Knowing which Etobicoke you are buying in decides which of those two conversations you should be having.

Etobicoke pays Toronto's second land transfer tax

Etobicoke is part of the City of Toronto, and that carries a cost the 905 does not. Every Ontario buyer pays provincial land transfer tax; buy inside the City of Toronto — Etobicoke included — and the municipal land transfer tax lands on top, roughly doubling the bill. It is due in cash on closing and cannot be financed into the mortgage, which makes it the line item most likely to leave a buyer short at the lawyer's office, because the down payment is easy to plan for and this is easy to forget. A comparable purchase in Mississauga, immediately west across the Etobicoke Creek, pays the provincial tax only. First-time buyers can claim both rebates — up to $4,000 provincially and up to $4,475 municipally — and at the Rexdale and lakeshore-condo end of Etobicoke's price range those two together can erase most of the tax entirely, which is the one respect in which buying inside the city line is cheaper than outside it. Model the exact figure on our Ontario land transfer tax calculator against your actual price band, and we will fold it into the full cash-to-close alongside legal fees, title insurance, inspection and appraisal.

An illustrative Etobicoke file: two buyers, one borough, different rulebooks

This is an illustrative composite built from the rules above — not a specific client, and not a guaranteed outcome. Two buyers with similar incomes shop Etobicoke on the same weekend. One goes firm on a lakeshore condo at Humber Bay; the other on a detached home in the Kingsway. The condo file is decided by the building: the status certificate surfaces a pending special assessment and a high proportion of rented units, several lenders step back regardless of the borrower's strength, and the fix is finding a lender whose policy fits that specific corporation before the financing condition lapses. The detached file is decided by the appraisal: the buyer waived the financing condition to win, and if the appraised value lands under the firm price the lender funds the lower number and the gap is cash. Neither buyer did anything wrong, and neither risk was invisible — both were checkable before the offer. That is the transferable point in a borough this internally varied: the property form tells you which failure mode you are exposed to, and there is time to plan for it. Every real file is assessed on its own facts.

The Etobicoke market guide for borrowers

The math in Etobicoke

What a funded deal is worth in Etobicoke

At Etobicoke’s average price of about $1,049,793, a typical 80% loan-to-value mortgage is roughly $840,000. Lender finder’s fees on a deal that size usually run $6,700–$9,250 (about 0.8–1.1% of the mortgage) — and as a producing Mortgage Squad agent you keep up to 100% of it.

Illustrative, based on the Toronto average selling price — your actual commission depends on the lender, the file and your split, and this is not a guarantee of earnings.

What our agents get

What do agents get when they join?

$0 fee for producers

No monthly desk fee for producing agents — your $150/mo is reimbursed when you fund $10M (or 15 deals) in a year.

Your leads + house leads

Leads you generate through your own brand and subdomain are 100% yours at your full split — plus house leads from our brokerage marketing at a 40/60 split on top.

Heavy training

Live and virtual sessions multiple times a week — underwriting, lender programs, and lead-gen.

Mentorship

A seasoned broker manager and team behind every file you submit.

100+ lenders

Full access to A, B, and private lenders — including the specialists most banks can't match.

AI + technology

Maya, our client-facing AI assistant, and Harvey, our back-office file tool, take the admin off your plate so you can spend your time with clients.

Free cards + headshots

Professional headshots and business cards to launch your personal brand.

Brand + lead-gen help

Marketing, lender presentations, and a special underwriting course to grow your book.

New to the industry?

How to become a mortgage agent in Etobicoke

1. Complete the mortgage agent (Level 1) course approved by FSRA — Ontario’s mortgage regulator — and pass the licensing exam.
2. Get sponsored by a licensed brokerage — Mortgage Squad sponsors and onboards new agents in Etobicoke.
3. Complete our onboarding + training, get your lender codes, and start writing deals with mentorship behind you.

Start your application

Careers FAQ — Etobicoke

Questions about joining? Explore careers or call (905) 553-8550.

Do mortgage agent jobs in Etobicoke pay a salary?+

How do I become a mortgage agent in Etobicoke?+

In Ontario, you complete the FSRA-approved mortgage agent (Level 1) course, pass the exam, and get sponsored by a licensed brokerage. Mortgage Squad Advisors (FSRA #13737) sponsors and trains new agents in Etobicoke — we'll walk you through licensing end to end.

What does it cost to join Mortgage Squad in Etobicoke?+

There is no monthly fee for producing agents. The $150/month is fully reimbursed once you fund $10 million (or complete 15 funded deals) in a calendar year — so for active agents it's effectively $0. No franchise or desk fees.

Do you provide leads to agents in Etobicoke?+

Yes — two ways. Leads you generate through your own brand and subdomain are 100% yours at your full split. On top of that, we hand you house leads from our own brokerage marketing at a 40/60 split (you/brokerage) — extra deals you wouldn't otherwise have, never distributed by seniority. We also help you generate your own through marketing, your personal brand, and lender presentations.

Can I switch my brokerage to Mortgage Squad in Etobicoke?+

Yes — many of our agents transferred from other brokerages. We make the move in Etobicoke simple: FSRA licensing transfer, lender re-papering, and onboarding are handled for you, usually within days.

What training and support do new agents get?+

Live + virtual training multiple times a week, one-on-one mentorship, a dedicated underwriting course, lead-generation coaching, and 24/7 communication. New agents in Etobicoke are never on their own.

What lenders will I have access to?+

Our full network of 100+ lenders — the big banks, monoline A-lenders, credit unions, alternative/B-lenders, and private/MIC lenders — so you can place Etobicoke files most brokerages would have to turn away.

Is Mortgage Squad licensed in Ontario?+

Yes. Mortgage Squad Advisors holds FSRA Brokerage Licence #13737, and every agent we sponsor is licensed by FSRA and FINTRAC-trained.

Careers in other Ontario markets

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Build your mortgage career in Etobicoke.

Newly licensed or switching brokerages — let's talk. No pressure, just a real conversation about your growth.

Apply now Call (905) 553-8550