Oswin Alfred | 1 Mortgage Broker License# M20002334

Warm, expert guidance for every home journey

Feel confident about your mortgage with a partner who puts clarity, comfort, and your long-term peace of mind first.

416-843-1180 [email protected]

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Designed for peace of mind

Clear numbers. Cozy guidance.

See today’s rates in a calm, easy-to-digest format—so every decision feels informed, never rushed.

Latest Lending Rates

Everyone's financial situation is unique, and we’re here to find the right mortgage solution for you. With expert advice and access to competitive rates, we make the process smooth and stress-free.

Contact me today for the latest rates and a free, detailed quote, along with an in-depth analysis of current market trends impacting your local mortgage landscape.

NOTE: rates are subject to change without notice

Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&EO

Prime Rate

4.45%

Term Bank Rates | Our Rates

Fixed 1 Year Bank Rates = 7.74% | Our Rates = 5.24%

Fixed 2 Year Bank Rates = 7.34% | Our Rates = 5.19%

Fixed 3 Year Bank Rates = 6.94% | Our Rates = 4.39%

Fixed 4 Year Bank Rates = 6.74% | Our Rates = 4.54%

Fixed 5 Year Bank Rates = 6.79% | Our Rates = 4.29%

Fixed 7 Year Bank Rates = 7.10% | Our Rates = 5.35%

Fixed 10 Year Bank Rates = 7.25% | Our Rates = 5.75%

Your Next Steps

Take the next step toward your mortgage with these simple options:

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Whether you’re a first-time homebuyer or looking to refinance, reach out for expert advice and a free quote.

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Start Your Application

We compare top mortgage options to find the best fit for you—completely free of charge.

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Want to know About US!

Get quick estimates on your potential mortgage payments and financing options with our easy-to-use tools.

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TESTIMONIALS

What others are saying

Clients appreciate the calm, clear way we walk through every decision together—turning an overwhelming process into something simple and reassuring.