1
Step 1
Apply online in 5 minutes.
A few simple questions and I build your profile and match you to the strongest options — with honest advice at every step.
Tai Chau · Mortgage Agent, Level 2
Get the Right Mortgage in Ontario
without the runaround.
I shop 50+ banks and lenders on your behalf to find the right mortgage at the right rate — with no cost to you.
- Top Rated Planner
- FSRA Licensed
- 50+ Lenders
Pre-Approval, Approval, Refinance or Switch
I negotiate with these lenders so you don't have to.
Desjardins
First National
CMLS
Scotiabank
TD
BMO
Manulife Bank
MCAP
Equitable Bank
Home Trust
RFA
Strive Capital
Negotiating with 50+ lenders on your behalf.
See How It Works
Get the best mortgage in Ontario, in days not weeks.
Skip the branch lineups and one-size-fits-all offers. I handle the shopping, the paperwork, and the negotiation — so you get a tailored mortgage faster, with advice you can actually trust.
- 0+
- Lenders
- $0k+
- Avg. Saved
- Days
- Days Not Weeks
3 Easy Steps
How I save Ontario families thousands on their mortgage.
2
Step 2
I get you the best mortgage.
I source rates and features across 50+ lenders, tailored to your situation, with clear unbiased options.
3
Step 3
Close with real human support.
From approval to close, you get a dedicated planner guiding you exactly how and when you need it.
Broker vs Bank
Two ways to get a mortgage. Only one works for you.
The smarter way
TCTAI CHAUMORTGAGES
- Apply online, anytime, anywhere
- Honest, unbiased, jargon-free
- Access to 50+ banks and lenders
- Multiple tailored options
- Always free and transparent
Always free. Always on your side.
VS
The old way
Going Direct to a Bank
- In-branch appointments during business hours
- Complex language, limited product range
- Only 1 to 3 lender options
- A single mortgage option presented
- Potential hidden fees and added costs
More cost. Fewer choices.
Start My Application→
No cost, no obligation. Just better options.
Mortgage Solutions
Whatever your mortgage needs, handled with care.
Every situation is different. I provide tailored guidance for each type of mortgage need.
FAQ
Questions? Answered.
Everything you need to know about working with me and getting the right mortgage. Still curious? Reach out anytime.
Still have questions?
Book a free, no-obligation call and I'll walk you through your options personally.
Book a Free CallFor the vast majority of clients my services are completely free — I’m compensated by the lender once your mortgage funds. I’ll always disclose any situation where a fee could apply before you commit to anything.
Most pre-approvals are completed within 24–48 hours of receiving your documents. Simple files can often be turned around the same day.
Absolutely. I work with lenders who specialize in self-employed and business-for-self income, including stated-income and bank-statement programs.
Yes. There are dedicated newcomer programs that accept limited Canadian credit history. I’ll match you with lenders who understand your situation.
A renewal keeps your mortgage with your current lender, while a switch moves it to a new lender — often for a better rate or terms. I’ll compare both so you don’t leave money on the table.
Not necessarily. I work with a range of lenders and can build a clear plan to either qualify now or improve your credit so you qualify for better terms soon.
Ready To Start?
Get your mortgage strategy today.
My job isn't just to present options — it's to make sure you understand them and choose what's right for you. Let's start with a free, no-obligation consultation.
Tai Chau
Mortgage Planner
Free consultation · 15 minutes · No credit check required.
5675 Whittle Rd, Mississauga, ON L4Z 3P8