About Pathway Mortgage
Based in Toronto and serving all of Ontario. We help homeowners and buyers make smart mortgage decisions. You get expert guidance and top rates from our trusted lender partners.
Our Story
Pathway Mortgage was founded by experts fed up with how banks treat borrowers. We believed there had to be a better way. A way that puts your needs over quarterly earnings.
We compare rates from leading lenders to find the right mortgage for every client. Whether you're buying your first home, renewing or refinancing, or investing in commercial property, we find the best fit.
We're powered by Get A Better Mortgage (FSRA License #10874), so you're working with licensed agents who follow strict industry rules.
Our Commitment Doesn't End at Closing
Most brokers move on after your mortgage funds. We don't. Every quarter, we review each client's mortgage file and send a personal report. This quarterly mortgage review covers your rate, penalty exposure, equity changes, and new ways to save.
Think of it as a financial check-up for your mortgage — free, ongoing, and built for your situation. It's one reason our clients stay with us from their first home through to their last.
Ontario Mortgage Rates: What You Need to Know
Ontario is Canada's most active mortgage market. The Greater Toronto Area drives a large share of national home sales. Buying in downtown Toronto? The suburbs of Mississauga or Brampton? Or growing markets like Hamilton, Kitchener-Waterloo, or Ottawa? Your mortgage rate is set by the same core factors. But your options and strategy may shift based on location, property type, and price. See our current Ontario mortgage rates for today's posted numbers across all terms.
How Ontario Rates Compare
Mortgage rates in Ontario tend to track national rates. But higher home prices mean even a small rate difference has a big impact on your monthly payment. Take a $600,000 mortgage — roughly the median for a GTA property. A 0.25% rate cut saves about $85 a month. That's over $5,000 across a 5-year term. That's why shopping your rate through a broker matters more in Ontario than almost anywhere else. Don't just accept your bank's posted rate.
Ontario Land Transfer Tax
Ontario has a provincial land transfer tax on all property purchases. It's set on a sliding scale. First-time buyers may be eligible for a rebate of up to $4,000. Toronto buyers face a second municipal land transfer tax. That makes the combined cost one of the highest in Canada. This is a key factor when budgeting for a purchase. Your mortgage broker should account for it in your pre-approval.
Get Your Free Ontario Mortgage Rate Analysis
Tell us about your mortgage and we'll show you what's available today.
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