Mortgages Don’t Have to Be Complicated!
Our dedicated team finds clarity, ease, and stress-free mortgage solutions for homebuyers and homeowners across Ontario.
Trusted by 1,000+ Ontario families I 100's of ⭐️⭐️⭐️⭐️⭐️ Google reviews!
The Mortgage Process Can Feel Overwhelming.
Trying to navigate Ontario’s mortgage world on your own is tough.
Different lenders. Different rules. Different interpretations of those rules. And never a straight answer when you need one.
And if you're self-employed, accessing equity, or investing for the first time?
The complexity jumps to a whole new level.
Most people we speak with aren’t confused because they’re unprepared — they’re confused because the system is messy, inconsistent, and time-consuming.
You shouldn’t have to guess your way through one of the biggest financial decisions of your life.
Your Trusted Mortgage Advisors in Ontario.
I’m Marlon. My team and I are here to make your mortgage journey simple, clear, and stress-free.
We’re independent advisors, which means we don’t work for any one bank. We compare multiple lenders, explain your options in plain English, and give you a plan that actually makes sense for your life and your goals.
Think of us as your mortgage guide: you tell us where you want to go, and we’ll show you the safest, smartest path to get there — without pressure, jargon, or surprises.
Our Mortgage Process.
1. Clarity Call
Tell us your goals, and we'll listen carefully to understand exactly what you need.
2. Tailored Mortgage Plan
We compare lenders, outline your best options, and build a clear strategy that fits your situation.
3. Stress-free Implementation.
Our team will handle every detail, guiding and supporting you at every step to make the entire process truly stress-free.
Who We Help Best.
Homebuyers Who Want Clear Guidance.
If you want straight answers, not sales talk, we’ll walk you through your options and help you avoid costly mistakes.
Homeowners Looking to Access Equity.
Whether it’s renovations, consolidating debt, or freeing up cash flow, we help you structure your refinance strategically.
Self-Employed Professionals.
If your income doesn’t fit a neat little box, you’re in the right place. We specialize in helping entrepreneurs qualify without the stress.
First-Time Real Estate Investors.
If you’re ready to start building wealth through real estate, we’ll help you understand financing, structure your deals, and plan long-term.
Why People Choose Us.
Tailored Strategies
Your mortgage isn’t a template — it’s built around your goals, your financial picture, and the life you’re trying to create.
Expert Advice You Can Trust
We break down complex scenarios into simple, clear steps and help you move forward with confidence — especially when your situation isn’t straightforward.
Access to the Right Lenders
With strong relationships across multiple lenders, we find the options that truly fit your needs — not just the ones a single bank is willing to offer.
What Clients Say About Working With Us
Real people. Real experiences.
Our clients consistently share how much they value the clarity, guidance, and stress-free support we provide throughout their mortgage journey.
Your Trusted Partner for Mortgages in Ontario
Ajax | Aurora | Barrie | Bowmanville | Brampton | Brantford | Burlington | Cambridge | Chatham | Clarington | Cooksville | Durham Region | Etobicoke | GTA | Guelph | Halton Region | Hamilton | Kawartha | Kingston | Kitchener | London | Markham | Milton | Mississauga | Muskoka | Newmarket | Niagara | North York | Oakville | Oshawa | Ottawa | Paris | Peel Region | Peterborough | Pickering | Richmond Hill | Scarborough | St Catharines | Stratford | Stouffville | Sudbury | Thornhill | Thunder Bay | Toronto | Unionville | Uxbridge | Vaughan | Waterdown | Waterloo | Welland | Whitby | Windsor | York
Trusted Lending Partners.
Frequently Asked Questions
How does the mortgage process work?
We start by getting to know your financial goals. Then, we guide you through every step—from choosing the right lender to getting pre-approval and finalizing your mortgage. Our team ensures the process is as smooth and stress-free as possible.
What documents do I need to apply for a mortgage?
You’ll need proof of income (like pay stubs or tax returns), a credit report, bank statements, and a list of assets and debts. We’ll walk you through exactly what’s needed for your unique situation.
How long does the mortgage approval process take?
The typical timeline from application to approval is around 24 -48 hours. However, this can vary based on the complexity of your situation and the lender’s requirements.
What is a pre-approval, and why is it important?
A pre-approval is an initial agreement from a lender to provide you with a mortgage based on your financial details. It helps you understand how much you can borrow and shows sellers you’re serious, giving you an advantage in competitive markets.
How can I get the best mortgage rate?
We work with multiple lenders to find the most competitive rates available. Factors that impact your rate include your credit score, income, down payment, and property type. We’ll help you navigate these to secure the best possible deal.
Can I refinance my mortgage later?
Yes! Refinancing is a common way to lower your interest rate or access equity in your home. We can help you decide if refinancing is right based on current market conditions and your financial goals.
Do I need to pay for your services?
Typically, our services are free for clients, as we receive compensation from the lender. However, we’ll always be upfront about potential fees that might apply to specific situations. Transparency is important to us, so you’ll know exactly what to expect.
Need More Information?
Marlon Fernando.
Mortgage Broker I Marlon Fernando Mortgage Team
Mortgage Alliance Company of Canada I FSRA Lic # 10530
+1 (647) 977-8800 I team@mortgagefernando.com
©2025 Marlon Fernando Mortgage Team. All rights reserved.