Toronto's Trusted Mortgage Brokerage
Navigating the competitive Toronto housing market demands elite financial strategy. From high-rise downtown condos to detached homes in Lawrence Park, we deliver custom mortgage solutions and preferred institutional rates.
Get Pre-Approved TodayThe Toronto Mortgage Market
Toronto's world-class housing market is highly competitive, with average home prices exceeding $1.1 million. Successful buying requires a combination of swift pre-approval, aggressive lender negotiation, and customized mortgage structure.
Whether you are buying a downtown condo, upgrading to a detached home in the GTA, or adding a laneway suite in Leslieville to generate high-yield rental income, Kraft Mortgages secures premium institutional rates and alternative lending structures under FSRA regulation.
Our Toronto team leverages relationships with major banks, trust companies, and private credit providers to deliver fast approvals, custom co-signing structures, and high-net-worth stress-test bypass programs.
Our Mortgage Services in Toronto
Laneway Suite Financing
Add value to your Toronto home. We structure renovation and construction loans that factor in future laneway or garden suite rental income to increase borrowing limits.
High-Net-Worth Programs
For buyers with significant liquid assets or complex holdings, we bypass standard stress tests using custom private wealth underwriting structures.
GTA First-Time Buyers
Maximize rebates. We guide you through double Land Transfer Tax rebates (Municipal and Provincial) and structure flexible parent-guarantor programs.
Why Choose a Local Toronto Mortgage Broker?
Toronto's real estate market demands speed and customized underwriting. A local broker understands double transfer taxes, municipal accessory unit zoning, condo corporation financials, and high-ratio thresholds to guarantee a seamless closing.
Frequently Asked Questions
Q: How do I navigate Toronto's double Land Transfer Tax?
Buyers in the City of Toronto pay both Ontario provincial and Toronto municipal land transfer taxes. First-time buyers receive rebates on both. We calculate these upfront so your closing costs are fully covered.
Q: What are the requirements for high-net-worth mortgage programs in Toronto?
If you have significant liquid assets but non-traditional income, we offer custom high-net-worth programs with major banks and private wealth lenders that bypass standard stress-test ratios.
Q: Can I secure financing for a laneway suite or garden suite in Toronto?
Yes! Toronto's bylaws allow secondary suites to increase density. We specialize in construction and refinance loans that factor in the future rental income of laneway suites to boost your borrowing power.
Q: What down payment is required for a Toronto home over $1 Million?
Purchases of $1,000,000 or more require a minimum 20% down payment as they are ineligible for government-backed mortgage default insurance. We offer specialized jumbo loan programs with preferred pricing for these high-value properties.
Q: How do co-ownership and co-signing work in the GTA?
Many buyers partner with family members or friends to purchase in Toronto. We structure co-ownership agreements and guarantor/co-signor mortgages that protect all parties while maximizing borrowing capacity.
Ready to Make Your Move in Toronto?
Get a free, no-obligation mortgage consultation. We respond within 24 hours.