Licensed mortgage agent · Richmond Hill
Your bank makes one offer. I'll show you the rest.
One application goes to more than 40 lenders — banks, credit unions and monoline lenders — so you can see what you actually qualify for before you commit to anything.
- Level 2
- Licensed agent · #M21002541
- B.Comm
- Real Estate & Housing, Guelph
- 5.0 ★
- From 45 Google reviews
- Richmond Hill
- Serving the Greater Toronto Area
What clients say
Countless families have been through this with me.
5.0 ★ from 45 reviews · read them all on Google
We had an amazing experience working with Parker while buying our first home. He guided us through every step, explained everything clearly, and always made time for our questions. The whole process felt smooth and stress-free thanks to his knowledge and support. We truly couldn’t have asked for a better experience and would highly recommend him to anyone.
We renewed our mortgage in December 2023 - the height of mortgage rates! It was a tough pill to swallow, but Parker found us an amazing variable rate mortgage through HSBC (now RBC) that (fingers crossed!) seems to be paying off, as rates come down. Parker is very hard working, persistent and goes above and beyond to find the best options for his clients!
Thank you, Parker for helping me out in a bind to secure a mortgage under an extremely tight deadline for my not so straight forward closing. I cannot recommend your services enough. You were always great to provide me with updates and so easy to work with. Thank you again for being diligent and keeping me calm!
Parker came highly recommended to us when we began our journey to purchase our first home. He is really knowledgeable, considerate and always kept as apprised of the mortgage market. And of course, he got us a really great deal when we finally closed on a property we liked. Thanks again Parker for the all help!
Working with Parker made the entire mortgage process surprisingly easy. He was incredibly helpful and supportive from start to finish- always patient, quick to answer questions, and clear in his explanations. Parker guided us through every step with confidence and genuine care, turning what could’ve been a stressful experience into a smooth and positive one.
If you’re looking for someone who truly knows their stuff and takes the time to make sure you feel comfortable and informed, I can’t recommend Parker enough.
Parker is the ABSOLUTE best! Found us the lowest rate and delivered exceptional service.
We cannot recommend Parker enough. From our very first consultation to closing day, he was an absolute superstar. He genuinely went above and beyond to navigate the complex mortgage landscape and, most importantly, secured us the best possible rate—lower than we even thought was achievable!
What truly set him apart was his accessibility. He was always available to answer our questions and provide reassurance, even late in the evening, making the entire process stress-free.
If you are looking for a dedicated, knowledgeable broker who works tirelessly to ensure you get the best deal, look no further than Parker. We would highly recommend him to anyone!
What I help with
Six situations, and what changes in each one.
Mortgage renewal
The renewal letter is an opening offer. What it means, when to start, and how switching lenders actually works.
Read more →Alternative lending
B lenders and private mortgages — what they cost, who they suit, and how to plan the exit back to a bank.
Read more →First-time buyers
What you need saved, what closing genuinely costs on top of it, and how lenders decide what you can borrow.
Read more →Refinance & debt consolidation
Reach the equity you have built, or fold high-interest debt into one payment — including when it is not worth doing.
Read more →Self-employed
Write-offs that cut your tax bill also cut your provable income. There are lenders who work with that.
Read more →Investment property
Down payment rules for rentals, how lenders credit rental income, and where portfolios tend to stall.
Read more →New to Canada
Newcomer programs for people without Canadian credit history, and what stands in for it.
Read more →Reverse mortgages
Reverse mortgages and accruing-interest lending — how they work, what they really cost, and the much smaller group of people they genuinely suit.
Read more →Credit-damaged files
How credit-damaged files actually get placed, what changes after a consumer proposal, and realistic timelines to requalify.
Read more →
Run the numbers
Five calculators, built for Ontario rules specifically.
Most calculators online use American formulas. Canadian mortgages compound semi-annually, and Ontario has its own land transfer tax with an extra charge inside Toronto. These account for both.
See all calculators- Mortgage paymentWhat your payment looks like at different rates, terms and frequencies.
- Ontario land transfer taxProvincial tax, the extra Toronto charge, and the first-time buyer rebate.
- AffordabilityWhat you can borrow, using the debt-service ratios lenders actually apply.
- CMHC insuranceThe premium added to your mortgage when you put down less than 20%.
- Stress testThe higher rate you must qualify at, even though you won't pay it.
How it works
From first call to closing day.
A first call
Twenty minutes on your goals, income and timeline. No documents needed yet, and nothing is filed anywhere.
Your real number
I put your file to the lenders that fit it and come back with what you actually qualify for, in writing.
You decide
Offers side by side, with the trade-offs explained. Including when staying where you are is the better call.
Underwriting
I handle the lender conditions and paperwork so you aren't chasing anyone for documents.
Closing
Instructions go to your lawyer ahead of time so the funds are in place on the day.
Get in touch
Tell me what you're trying to do.
No obligation and no credit check to have a conversation. If it turns out you're better off where you are, I'll tell you that.
- Call or text
- 647-453-1222
- Hours
- Mon–Fri 7:30am–6pm · Sat–Sun 12pm–6pm