# Pathway Mortgage

> Ontario's trusted mortgage brokerage. Expert guidance from Canadian lenders — serving all of Ontario.

Pathway Mortgage is a licensed mortgage brokerage operating under Get A Better Mortgage (FSRA License #10874), serving residential and commercial clients across Ontario, Canada. We provide access to major banks (TD, Scotiabank, BMO, RBC, CIBC, National Bank), credit unions (Meridian, Desjardins), monoline lenders (First National, MCAP, Manulife), and alternative/private lenders (Equitable Bank, RFA).

## Services

- **Residential Mortgages**: Purchases, renewals, refinancing, pre-approvals for all property types across Ontario
- **Commercial Mortgages**: $1M–$50M+ financing for office, retail, industrial, and multi-family properties
- **First-Time Home Buyers**: Down payment guidance, FHSA, stress test preparation, land transfer tax rebate assistance
- **Newcomer Mortgage Programs**: Specialized products for new Canadian residents
- **Construction Financing**: Construction mortgages with competitive draw schedules
- **Debt Consolidation**: Restructuring high-interest debt into a single mortgage payment
- **Mortgage Monitoring**: Ongoing quarterly reviews with proactive alerts when better rates become available

## Key Information

- **Location**: Toronto, Ontario, Canada (serving all of Ontario)
- **Hours**: Monday–Friday, 9:00 AM – 6:00 PM EST
- **Contact**: info@pathwaymortgage.ca
- **Website**: https://pathwaymortgage.ca
- **Free Consultation**: https://pathwaymortgage.ca/free-review.html
- **Current Rates**: https://pathwaymortgage.ca/rates.html
- **Mortgage Calculator**: https://pathwaymortgage.ca/calculator.html

## Current Mortgage Rate Ranges (Subject to Change)

- 1-Year Fixed: 4.74% – 4.99%
- 2-Year Fixed: 3.99% – 4.24%
- 3-Year Fixed: 3.99% – 4.24%
- 4-Year Fixed: 4.04% – 4.29%
- 5-Year Fixed: 4.09% – 4.34%
- 5-Year Variable: 3.49% – 3.74%

Rates vary based on credit score, down payment, property type, and amortization. Contact us for a personalized quote.

## How It Works

1. **Strategy Session** — We learn your goals and build a mortgage plan around your full financial picture
2. **Lender Matching** — We shop our full lender panel to find the right fit
3. **Secure & Close** — Lock in your payment, finalize terms, and close with confidence
4. **Mortgage Monitoring** — Proactive monitoring with alerts when better offers become available

## Areas Served

Southern Ontario (GTA: Toronto, Mississauga, Brampton, Markham, Vaughan, Richmond Hill, Oakville, Burlington, Pickering, Ajax, Whitby, Oshawa), Hamilton, Kitchener-Waterloo, London, St. Catharines, Niagara, Guelph, Cambridge, Barrie, Ottawa, Windsor, Sudbury, Thunder Bay, Peterborough, Belleville, Muskoka, and all Ontario communities.

## Frequently Asked Questions

**What is the difference between a fixed and variable rate?**
A fixed rate locks in your interest rate for the entire term, giving you predictable payments. A variable rate moves with the market and may start lower, but your payments can change over time.

**How long does a mortgage approval take?**
A pre-approval typically takes 1–2 business days. Full approval depends on property appraisal and documentation, usually 5–7 business days.

**What is CMHC insurance and do I need it?**
Mortgage default insurance is required when your down payment is less than 20%. It protects the lender in case of default. The cost is added to your mortgage.

**Can I refinance my current mortgage?**
Yes. Refinancing allows you to restructure your mortgage, consolidate debt, or access the equity in your home. Re-qualification is required.

**What documents do I need for mortgage approval?**
You will need credit, income, and property documentation. We provide a complete checklist tailored to your situation.

**Why use a mortgage agent instead of a bank?**
A bank offers its own products only. A mortgage agent has access to dozens of lenders to find the right fit, handles the paperwork, negotiates on your behalf, and monitors your mortgage after closing.

## Content Pages

- [Home](https://pathwaymortgage.ca/)
- [About](https://pathwaymortgage.ca/about.html)
- [Residential Mortgages](https://pathwaymortgage.ca/residential.html)
- [Commercial Mortgages](https://pathwaymortgage.ca/commercial.html)
- [Current Rates](https://pathwaymortgage.ca/rates.html)
- [Mortgage Calculator](https://pathwaymortgage.ca/calculator.html)
- [Free Mortgage Review](https://pathwaymortgage.ca/free-review.html)
- [Newcomer Mortgage Programs](https://pathwaymortgage.ca/newcomers.html)
- [Debt Consolidation](https://pathwaymortgage.ca/debt-consolidation.html)
- [Mortgage Glossary](https://pathwaymortgage.ca/glossary.html)
- [Resources](https://pathwaymortgage.ca/resources.html)
- [Blog](https://pathwaymortgage.ca/blog.html)
- [Contact](https://pathwaymortgage.ca/contact.html)

## Blog Articles

- [First-Time Homebuyer Guide](https://pathwaymortgage.ca/blog-first-time-buyer.html)
- [Fixed vs Variable Rates](https://pathwaymortgage.ca/blog-fixed-vs-variable.html)
- [Mortgage Broker vs Bank](https://pathwaymortgage.ca/blog-broker-vs-bank.html)
- [Refinance Guide](https://pathwaymortgage.ca/blog-refinance-guide.html)
- [Renewal Guide](https://pathwaymortgage.ca/blog-renewal-guide.html)
- [Mortgage Broker Toronto: Why Local Expertise Matters](https://pathwaymortgage.ca/blog-mortgage-broker-toronto.html)
- [2026 Market Outlook](https://pathwaymortgage.ca/blog-market-outlook-2026.html)
- [How Bond Yields Drive Mortgage Rates](https://pathwaymortgage.ca/blog-bond-yields.html)
- [Bank of Canada Rate Schedule](https://pathwaymortgage.ca/blog-boc-schedule.html)
- [How to Choose the Right Mortgage Agent in Ontario](https://pathwaymortgage.ca/blog-choose-mortgage-agent.html)
- [Ontario Mortgage Pre-Approval Guide](https://pathwaymortgage.ca/blog-pre-approval-guide.html)