The Mortgage Foundations
Canadian Mortgage App
The Mortgage Foundations Canadian Mortgage App gives you quick, easy access to the tools you need to plan your homeownership journey with confidence. From estimating payments and comparing mortgage options to running pre‑qualification numbers, checking rates, calculating land transfer tax, closing costs, GDS/TDS, and even stress‑test scenarios, the app keeps everything in one convenient place. Whether you're buying, refinancing, switching lenders, or simply planning ahead, the app helps you make informed decisions every step of the way.
Mortgage Rates
Updated as of February 3, 2026
Current Bank Prime Rate = 4.45%
3.96%
3.99%
3.65% (P - .8%)
What Our Team of Mortgage Professionals Brings to Your Journey!
At Mortgage Foundations, we’re proud to call Oshawa, Ontario home, and we serve clients across all of Ontario with a dedicated team of licensed Mortgage Agents and Brokers. Whether you're buying your first home, refinancing to access equity, switching lenders, or renewing your existing mortgage, we’re your personal shopper for home financing and your trusted advocate through every stage of the process.
With so many options and so much information out there, the mortgage journey can feel overwhelming. That’s where we come in. We work directly with lenders on your behalf to find the right solution — saving you time, stress, and confusion while ensuring you understand every step.
Our team stays current with the latest mortgage products, lender policies, and market trends so our advice is always relevant and sound. With a Mortgage Foundations professional by your side, you’ll be empowered to make confident decisions about one of the biggest investments of your life.
And the best part? In many cases, our services are completely free — from your first consultation to closing day and beyond. Whether you're a first-time buyer, a seasoned homeowner, or somewhere in between, we’re here to help you find the mortgage solution that fits your life and your family.
Home
Purchase
Whether you're buying your first home, a vacation property, upsizing, downsizing, or investing in a rental, we’re here to help every step of the way.
Refinancing/
Debt Consolidation
Refinancing can help you consolidate high‑interest debt or unlock funds for renovations, investments, or personal goals.
Mortgage Renewals &
Switch/Transfer
Looking to renew your mortgage or switch to a new lender; our team can review your options and help ensure you secure the best offer available.
Mortgage
Pre-Approvals
We can secure a pre‑approval from a lender, giving you a clear sense of your budget and holding an interest rate while you shop for your new home.
WHAT OUR CLIENTS SAY
Valued Customer Feedback
Visit our Google review page to read more; or leave your own! Reviews are always appreciated!
I have worked with Tyler who has helped secure financing for my clients and have nothing but amazing things to say about him! He is thorough, honest, trustworthy, knowledgeable and efficient and makes the process easy. He supports clients during the mortgage approval process and has always responded quickly. I would highly recommend working with Tyler and won’t hesitate to refer him to my clients in the future. Thank you Tyler!
Amanda B
Referral Partner
Highly recommend using Tyler for all and any mortgage needs. Always responds quickly to any questions or updates. Took his time to make sure we understood all of our options and we didn’t fee pressured at any time.
100% would contact in future again.
Julian G
Satisfied Homeowner
First time home buyers, I'd highly recommend Tyler as he would get you setup with a mortgage in no time. He is fast, to the point and gets work done. Before getting a house get a quote from him at the least. He answers all your questions, and finds out solutions for you, when you are in a tough spot and can't seem to find out what's happening. He is a problem solver, and is always around for all your questions and concerns. Thank you so much Tyler for all the help and support during this exciting phase of our life.
Hariprasad
Satisfied Homeowner
Tyler dedicated his time towards fully answering all my mortgage questions to ensure that I am prepared for when I get my own mortgage! He is a great help and takes time to listen and throughly explains details!
Kristiana C
Satisfied Homeowner
Although, this is my 4th mortgage I still had many questions. Everytime I reached out to Tyler I was very impressed at how he was able to answer all my questions. He simplified the process in a way I could understand. I appreciated it. I have and would recommend Tyler to anyone seeking a mortgage agent. Great job Tyler!
Anne B
Satisfied Homeowner
My experience working with Tyler was great! Getting a mortgage as a first time homebuyer is a very difficult process and Tyler made it as painless as possible. He is very friendly, knowledgable, and trustworthy. I had a lot of back and forth communication with Tyler and he always responded quickly and explained everything clearly. I would not hesitate to recommend him to anyone.
Derek P
Satisfied Homeowner
Tyler was amazing! I was a novice for what I needed to know about buying a home and Tyler always took the time to talk me through the ins and outs of the process. He was always fast on replying and quick with the answers we needed. I will tell anyone buying a home to go to him!
Genesis B
Satisfied Homeowner
Tyler is an awesome mortgage agent. Very knowledgeable, committed to his clients, very responsive and an all around great communicator.
He is my go-to for any and all mortgage related questions and gets, and will continue to get, all my referrals as a real estate agent. Ive only received positive feedback from my clients after they've dealt with Tyler. 10 stars!
Chris D
Referral Partner
