Refinance | Home Equity Take Out | Construction | Commercial | Second

#1 Rated Mortgage Broker In Toronto


  • Refinance Mortgages
  • Home Equity Loans
  • Second Mortgages

55 Bloor St W, Toronto, ON M4W 1A5

"Mortgage MatchMaker is the #1 Rated Refinance Mortgage Broker in The GTA! We finance all phases of real estate developments in Toronto including land acquisition, construction, commercial, reverse, equity take out, first, second & private mortgages."

established 2002

Easy Refinance Mortgage In Toronto

Since its inception, Mortgage MatchMaker (Now Mortgage Architects) has been dedicated to helping Torontonians get the right mortgage at the Lowest Possible Rate!

As independent brokers, we are not committed to any particular lender. More times than not we can offer rates and services that are more competitive than the big banks. Whether we use alternative lenders, private funds or leverage our unique relationship with banks, we will work with you and provide the best service while offering the very best rates available on the market.

With the recent construction boom in Toronto, Mortgage brokers have to understand the changing landscape of lending. With changing rates and approval requirements, we are a one stop shop for all your mortgage needs.

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Years Experience
Mil. Private Fund
Competitive Lenders
People Are Our Business First

Award Winning Team

monty sands toronto broker

Monty Sands

Lead Mortgage Planner

Fabian Reinke

Nadia Martins

Senior Team Member
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Sean Persaud

Lead Mortgage Planner
The Refinance Experts

Every Type Of Mortgage

Refinance Mortgage

A mortgage refinance replaces your current home loan with a new one. Often people refinance to reduce the interest rate, cut monthly payments or tap into their home’s equity. Others get a mortgage refinance to pay off the loan faster, get rid of mortgage insurance or switch from an adjustable-rate to a fixed-rate loan.

Mortgage Renewals

When your current mortgage term reaches its maturity date, you'll need to renew the outstanding balance for another term. This is a process you'll likely do a number of times until you pay off your mortgage in full. Just before your term expires, your current lender will send you a renewal offer in the mail.

Alternative Mortgages

An alternative mortgage is a home loan with terms that differ from conventional, fixed-rate mortgages and may come with higher interest rates. In addition, there are several types of these alternatives available to homebuyers who can't meet the requirements of a traditional mortgage.

Equity Takeout

An equity take out mortgage is a mortgage loan used to “take out” equity for other purposes. It may be used for repairs or renovations of the property, to use as a down payment for a vacation property, for investment in another area, or many other purposes.

Construction Mortgages

A construction mortgage is a loan borrowed to finance the construction of a home, and typically only interest is paid during the construction period. Once the building is over, the loan amount becomes due, and it becomes a standard mortgage.

Lines Of Credit

A line of credit is a preset amount of money that normally a bank or credit union has agreed to lend you. We provide private lines of credit against your home. You can draw from the line of credit when you need it, up to the maximum amount. You'll pay interest on the amount you borrow.

Over 50+ Lenders

Brokers | Realtors | Investors

Specialty Mortgage Services

Emergency private funds available for fast closings

NO income verification, NO credit score requirements and NO hard and fast rules to mess up your deal!  NO means YES with EQUITY!

  • Lender Direct Funding – up to 85% LTV!
  • You don’t have to split your broker fees – you keep 100% of your broker fees!
  • We lend on Urban and Small Towns /Rural properties.
  • We can help with Damaged Credit – Judgments – Collections – Bankruptcies – even FORECLOSURES!
  • Flexible payments – interest only, prepaid or interest accrual options available.


How we are helping Toronto Realtors:

  • Rush closings (close in 3 days)
  • Low appraisal, we will lend the difference,
  • Client about to lose a deposit, we can bridge them and then position them for a low bank rate mortgage,
  • Client-focused pricing,
  • NO income verification, NO credit score requirements and NO hard and fast rules to mess up your deal!  NO means YES with EQUITY!
  • Lender Direct Funding – up to 85% LTV!
  • We lend on Urban and Small Towns /Rural properties.
  • We can help with Damaged Credit – Judgments – Collections – Bankruptcies – even FORECLOSURES!
  • Flexible payments – interest only, prepaid or interest accrual options available.

First & Second Mortgages

We originate, underwrite and administer first & second mortgage loans throughout the term of the mortgage, which allows Mortgage Architects to create attractive investment opportunities for our investors.

In an effort to protect investors, Toronto Mortgage Architects carries out due diligence by:

  • Conducting background & credit checks on the borrower
  • Sitting down with the borrower face-to-face
  • Commissioning of independent appraisals of the property
  • Visiting the property for an on on-site inspection
  • Proper LTV analysis of the deal
What Our

clients say.

"When I first went to Monty and his team for advice, I expected good results. But I was amazed and totally blown away with the FANTASTIC results that he provided me. I can honestly say that I wish I went to Monty 5 years ago when I first bought my home. I don't know how anyone can match the rates he got me. He is an expert in his field and is ethical in his practice."
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Mark J.
"Monty's team eye for detail and sense of understanding has done wonders for my clients and their families, not only in the industry of mortgage financing but also in financial planning with their future goals in mind. "
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Shanu J.
"As a realtor, having a mortgage broker that you can trust to help the transaction close smoothly and in a timely manner is a great asset. I know that I can rely on Monty to offer my real estate clients the products that best suit their needs while providing honest, dependable and professional service that has truly come to "save the day" on more than one occasion!"
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Sarah T.

Call Us

Tel: 416.551.2335 Fax: 416.551.2334


Mortgage MatchMaker
55 Bloor St W, Toronto, ON M4W 1A5


mortgage architects brokers

A Mortgage Architect Company

Mortgage Architects is a Canadian Mortgage Brokerage supported by a network of experienced and caring Mortgage Brokers who have access to more than 50 lenders.

Agent License #M08002722 | Brokerage License #12728
Areas We Serve: Toronto, Scarborough, Markham, Ajax, Oshawa, Pickering, Hamilton, Brampton, Mississauga, Oakville, North York, Richmond Hill, Vaughan, Woodbridge, Milton, Ontario, Vancouver, British Columbia, Quebec

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