5 Year

Variable Rate Mortgage


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5 Year

Fixed-Rate Mortgage


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7 Year

Fixed-Rate Mortgage


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Reliable Mortgage Lenders in Toronto, ON

We understand how hard it is to manage finances and the importance of being able to keep up with mortgage payments, and Mortgage For Less is here to help out. With over three decades of industry experience, you can rely on us for strategic and personalized mortgages, professional advice, and market guidance.

Our clients have depended on our mortgage lenders in Toronto, ON, since 1989. For more than 33 years, we’ve offered helpful mortgage information, assisted in mortgage consultation, and provided online services and assessments.


Use our preferred Realtor Group and receive 1% of your mortgage amount  cashback after closing... Simple as that!

Very few conditions apply.


Our high tech home value tool provides an estimated value on your property.

All we need is you Address, Name and Consent!

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

Better Options, More Convenience

Our mortgage brokers deal with multiple lenders at a time, providing customers with a larger variety of mortgage products and services.

Your home loan process can be completed online, in person, or by phone. You no longer have to visit bank branches to finish your mortgage applications. 

Moreover, consulting with several banks to get the best deal can end up with you pulling more than one credit report, which, in turn, can negatively impact your credit score. Mortgage For Less pulls only one credit report to be used with multiple lenders, which caters to your
credit improvement.

Your Win is Our Win

Our brokers in Toronto, ON, earn through commissions. Therefore, it’s in our best interest to ensure you get the best rate and the most detailed advice possible. We also want you to get the product that best suits your needs while giving you an efficient overall service. Our goal is to earn your trust and have you as a returning client.

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

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 Depend on Our Debt Strategists

Instead of paying for the full amortization of your mortgage, Mortgage For Less explores all possibilities to enable you to pay it off as soon as possible.

The longer you pay off your mortgage, the higher you pay for interest. Getting the best rate will help you save money, but having a solid repayment strategy will save you tens to hundreds of thousands of dollars over the life of your mortgage.

Repayment features can be left out during payment discussions. Still, you can expect Mortgage For Less to educate you on what other methods you can take to alleviate your financial burden. We will help you customize your mortgage with features that allow you to save money in the long run.

Let’s Get You Started

Our clients get the best mortgage product by having the option to select what works best for them and by working with a skilled broker.

That’s what Mortgage For Less is all about. Getting a quote is simple and quick, so let’s see what you qualify for.

Veteran Mortgage Broker in Toronto ON

About Mortgage For Less

Mortgage For Less has been a long-standing premium brand since 1989, boasting over three decades of providing good business and over a quarter of a century of brokering.

We have serviced thousands of mortgagors throughout Canada, specifically those in Ontario and the densely populated GTA.

You can set an appointment with us to discuss your plans at our Yonge and Eglinton office. You can also come and see us in our second location at Yonge and Davisville. 

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

Member of Mortgage Professionals Canada

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

As such, we are proud to be a member of a respected professional organization. When working with us, you can rest easy knowing that you’re dealing with a reputable member of Canada’s mortgage industry.

We comply with the strict Code of Ethics overseen by Regional and National Ethics Committees. We uphold this code and do our best to live up to the consumer’s expectations of honesty, fairness, and quality.

Partnership with Safebridge Financial Group

Mortgage For Less has joined a partnership with Safebridge Financial Group, effective February 1, 2019.

Safebridge Financial Group was co-founded as a financial consulting company in 2005 and has since accumulated vast expertise and years of experience in the mortgage industry. This has set them up as one of the industry’s most successful and respected brokerages.

This partnership gives Mortgage For Less access to over 30 reputable and trustworthy lenders and financial partners, allowing us to leverage the most competitive rates in the country.

We will strive to keep providing you with quality service and efficient processes to make your experience the best it can be.


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500 - 120 Eglinton Avenue East, Toronto, ON. M4P 1E2 CANADA

Phone: (416) 572-7655

Email: nick@mortgageforless.com

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