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Fixed-Rate Mortgage


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10 Year

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Mortgage For Less -

Mortgage lenders  toronto

Successfully operating for nearly three decades, Mortgage for Less has provided strategic and personalized mortgages, proficient advice and market guidance since 1989.

We've been online since 1998 and for twenty years we've provided helpful mortgage information, mortgage applications and online services and assessments.

The 1% Advantage

Purchasing a home can be expensive, especially with additional and overwhelming closing costs. We can help you with these costs!

Receive 1% of the Mortgage amount, paid to you on closing! This could pay for most of your closing costs or go towards some new furniture in your new home.

For example: On a $450,000 mortgage you receive $4500 on closing.

Get a free property assessment in Ontario

We at Mortgage for Less are always looking for innovative ways to help our clients. This Home equity tool will help you decide to sell or refinance your home.

We have access to an Ontario database to quickly determine the value of your property based on a proven and precise automated valuation model (AVM).

You get a Mortgage Specialist

Bank employees deal with a variety of financial instruments from mortgages to credit cards to financial planning. Our Toronto mortgage brokers specialize in mortgages only, we are mortgage experts. We know mortgages best and we can help guide you through the process, give professional advice and choose the best product for your needs and goals.

Nick and his staff were very efficient and helpful. Nick in my opinion went above and beyond what was required in arranging my new mortgage.  This has been my experience over the past 25 years when dealing with Mortgage for Less and Nick specifically.

Steven Hensman

Google Review

I first worked with Nick Mitskopoulos at Mortgage for Less about 20 years ago! He came highly recommended to me by a friend. Nick is customer service oriented. He is knowledgeable, patient, always open to questions and dependable. He guided me through the procedure with ease and had my mortgage arranged within days!

Marlene Anderson

Google Review

You get better options and more convenience

When dealing with a bank you only deal with one lender at a time. Our Toronto mortgage brokers deal with many lenders at a time, providing customers with a better choice of mortgage products and services. 

We can complete the whole process online, in person or by telephone which means you won’t waste countless hours visiting bank branches. 

If you shopping around with banks you can end up pulling more than one credit report, which will have a negative impact on your score. Here at Mortgage For Less we pull one credit report that can be used with multiple lenders, which means no impact on your credit score.

Mortgage For Less Works for you

Bank employees receive a salary and are not dependent on your business. Mortgage Brokers have to close the deal to make their commission. It's in our best interest to make sure that you're getting the best rate, the most personalized product, the most detailed advice and an efficient overall service. We want you to be a returning client and given the chance we know you'll be back.

When it comes to mortgage services, we simply do not look elsewhere. We have used Mortgage For Less on several occasions now, and Nick has never failed to deliver best in class services at the absolutely best rates available in the market at that time. It's all in the 'details', and Nick helps the navigating through this seem simple and understandable. Nick stays with you through the entire process, making certain you have the best product and that you are in complete satisfaction.

Steve L.

Google Review

Nick (and his team) handled our recent mortgage application (and approval!) when we bought our home. He was incredibly responsive and helpful throughout the entire process. He found us the best possible rate with favorable conditions to boot. We appreciate his expertise very much.

Brennan Caverhill

Google Review

You can get the best rate on your mortgage

Have a professional mortgage consultant do all the research and paperwork to find you the best rate and product in the Canadian mortgage market, at no additional fee to you. 

You save time and money that you'd otherwise spend shopping around the dense mortgage market all alone. 

Since we conduct millions of dollars in mortgage transactions with many lenders, we get extra benefits not available to individual borrowers. These benefits include lower interest rates and faster approvals, which we pass onto you.

You don't pay us anything, our service is free

We have access to many banks and lenders and are paid through them. There is never a fee charged to arrange a mortgage on a standard, qualified application. If clients don't meet standard mortgage  approval guidelines there may be a fee charged, in this case the fee will be quoted up front.

Nick has been watching out for us since day 1 and even contacted me when he thought he could save us money. I refer him to all my friends and wouldn't go anywhere else. He takes the stress and pain of renewing a mortgage away! Thank you Nick."

Sandra Mouratidis

Google Review

Before talking to Nick, I was working with one of the main banks to get my mortgage.  Before I committed, I was encouraged by a friend to meet with Nick to get his opinion on what I was being offered.  Nick not only taught me a lot about mortgages, but told me the right questions to ask the bank, which after I asked those questions, I found out I was being misled by the bank.  Nick then found me a better mortgage, with a better rate and more flexibility that better suited me.  Nick was the best decision I made!  Definitely recommend!!!!!

Kyle Fiddes

Google Review

You can save tens to Hundreds of Thousands of Dollars, We are debt strategists

Unlike the bank, who would rather have you paying off your mortgage for the full amortization of your mortgage, we want to help you pay it off as soon as possible.

The longer you pay off your mortgage the more money the bank makes off compounding interest. While getting the best rate will help you save money, having a solid repayment strategy will save you tens to hundreds of thousands of dollars over the life of your mortgage.

A bank will not advise you on the variety of repayment features. We are here to help you customize your mortgage with features that allow you to strategically tackle your principal amount and save money in the long run.

You get Independent Advice

Bank employees work for one lender. We are not tied to any lender or product.

Our main goal is to finance your mortgage, but ensure that it is your best financial move and advise on that. We'll get to you know your unique financial situations and your future goals. From this we make recommendations on available mortgage products that meet your needs. Together we will decide on what's best for your finances, goals and needs.

Nick Mitskopoulos was extremely helpful and a real pleasure to work with. He answered all our questions and gave the best advice for us. Over the years, Nick has become a friend whom I trust completely. I have recommended Mortgage For Less to all my friends and family and will continue to do so. Nick is our mortgage broker for life. Mortgage For Less has had the best rates around but even if they didn't, I'd never switch."

Ken Adderson

Google Review

Super pleased with Nick. He found solutions to my problems and I finally started to feel like I had an advocate in the whole mortgage experience.

Neil McIntosh

Google Review

You geT Ongoing support and advice

Even after your mortgage closes we will continue to offer continued support and advice. We can be contacted as you personal mortgage specialist or you can subscribe to one of our useful newsletters and blog. We are here to offer continued support and service.

Start the mortgage application

We are here to help you get the best rate and the most logical mortgage product for your financial needs and goals. We are dedicated to advising and guiding you from start to finish and into the future.

Getting a quote is simple and quick

The most efficient way to getting the best mortgage product is simply knowing your options and getting the best broker.

Well would you look at that, you've got that right at your fingertips. Now all you need is an idea of what you qualify for. Get Preapproved Today!

It's as simple as signing up for a social media account and it's a step in the most important financial move of your life. It's time to get serious and make the right move.

Mortgage advising

This is the big steps in your financial life. It's important that you make the right move for you finances.

Don't hesitate to take advantage of our expert and professional knowledge! We're here to help.

GET the latest mortgage information

Being informed up-to-date is the best way to ensure that you are well prepared for a mortgage. Be equipped with a strategic arsenal of information. We're here to help guide, advise and inform. 

I rely on Mortgage for Less to keep me abreast of current rates, and possible changes in the mortgage industry. I don't often need to react, but having that knowledge is helpful in decision making.

Debi Rudolph

Google Review


Founded by veteran Broker Nick Mitskopoulos in 1989, Mortgage For Less is a long-standing premium mortgage brokerage. Two decades online and over a quarter century of brokering.

Located in the heart of Midtown Toronto conveniently located at subway stops, in case you want to meet in person, at Yonge and Eglinton and a second location at Yonge and Davisville. Mortgage For Less has serviced thousands of mortgagors all over Canada, specifically those in Ontario and the densely populated GTA.

Mortgage for less Mission statement

provide you a premium and honest service

provide professional knowledge, start to finish

provide efficient market navigation for your rate and mortgage

provide you a strategy to save money on your mortgage

provide  proficient advice to you and your unique situations

provide effective products for your needs and goals 

provide you a continued service and industry knowledge

We were purchasing a new house and Nick was our mortgage broker. Nick helped us tremendously to get the best mortgage product that met out needs. He also ensured that we got it at a great rate. Nick patiently explained different types of mortgages available on the market and reviewed all the features with us. We had a lot of questions about the mortgage product and the lender and Nick spent several hours on the phone with us making sure all our questions were addressed. Nick demonstrated his commitment to us by keeping his word and delivering the best mortgage rate available on the market. We gladly recommend Nick and his company to anyone who is looking for a mortgage. You will be serviced by a trusted, reliable and very knowledgeable mortgage broker professional.

Alexander Tamarchak

Google Review

Canadians have come to distinguish Mortgage Professionals Canada members as highly ethical providers of mortgage services.

This Membership Certificate is the ultimate declaration that we are a member in good standing of a respected professional organization.

As a client looking to arrange mortgage financing, you will have the added comfort of knowing you're dealing with a reputable member of Canada's mortgage industry.

Mortgage Professionals Canada has established a strict Code of Ethics overseen by Regional and National Ethics Committees who enforce compliance.

We must live up to the consumer's expectation of honesty, fairness and quality of service. We are proud to meet these codes.

It ensures you're serviced professionally and ethically at all times.

I have used Mortage For Less for all my mortgages since purchasing my first home nearly 15 years ago. From our first experience Nick has always been amazing at providing advice and negotiating great deals, and we have been a loyal customers ever since. Nick also jumped in quickly to help us work out a line of credit through our mortgage when we inquired a few years ago, and he provides interesting updates on the market. I plan on sticking with Nick for as long as I own a home.

Rob Taniwa

Google Review

In 2005, SAFEBRIDGE was co-founded as a Financial Consulting Company. Bringing years of professional experience from organizations such as CIBC World Markets, the Ontario Teachers’ Pension Plan, The Mortgage Centre and Clarica, we have since grown the company into a successful and respected industry leader.

We distinguish ourselves in the industry as providing top of the line, holistic and personalized financial advice by providing our clients with a comprehensive strategy to realize their mortgage, insurance and investment needs, as one. Based on the fact that, in most cases, a mortgage is at the core of one’s financial plan, we developed unique strategies which allow your insurance and investments to transform your mortgage from a debt burden to a financial growth opportunity. We have branded these techniques as SAFEBRIDGE’s very own Mortgage Centered Financial Planning. We are proud to say that by implementing these strategies, we have watched our clients realize significant, transformational financial growth.

At SAFEBRIDGE we believe that true value isn’t only in the product, but also in the knowledge, experience, and execution of your plan. With access to over 30 lenders and financial partners, and the lowest rates in the country, we are proud to offer our clients the most cost effective and suitable financial solutions Canada has to offer.

Nick Mitskopoulos was professional, trustworthy, efficient and proactive. His expertise as a broker was evident from the moment we met him. We had encountered 2 other brokers before but we decided to go with Nick because of his professionalism and sense of ethics. He was also patient and answered our numerous questions. We definitely recommend him as a mortgage broker. Keep up the good work Nick!

Sylvie Leung

Google Review



120 Eglinton Avenue East, Suite 500 TorontoON M4P 1E2 Canada

Phone: (416) 699-1010

Fax: 1-855-221-2154

Toll Free: 1-888-448-2222

Email: info@mortgageforless.com

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