Mortgage Solutions for Every Stage of Homeownership
✓ No monthly mortgage payments
✓ Stay in the home you love without selling
✓ Receive tax-free cash
✓ Does not affect OAS or GIS benefits
✓ Consolidate high-interest debts
✓ Access equity for major expenses
✓ Improve your cash flow
✓ Protect your home ownership
✓ First-time and repeat homebuyers
✓ Mortgage pre-approval guidance
✓ Solutions for different income situations
✓ Support from application to closing
A better mortgage experience, supported by a team you can trust.
Mortgage Solutions for Every Stage of Homeownership
✓ No monthly mortgage payments
✓ Stay in the home you love without selling
✓ Receive tax-free cash
✓ Does not affect OAS or GIS benefits
✓ Consolidate high-interest debts
✓ Access equity for major expenses
✓ Improve your cash flow
✓ Protect your home ownership
✓ First-time and repeat homebuyers
✓ Mortgage pre-approval guidance
✓ Solutions for different income situations
✓ Support from application to closing
A better mortgage experience, supported by a team you can trust.
Your Mortgage Journey Made Simple
4 Simple Steps to Get a Mortgage
Step 1: Tell Us Your Mortgage Needs
Share your goals, financial situation, problems and concerns. Let's discuss your needs and explain the mortgage options that may be available to you.
Step 2: Fill in Your Online Application
Complete our secure online application and provide the necessary documents. We'll carefully review your information and guide you through the next steps.
Step 3: Find the Right Lender & Mortgage
We'll research and compare mortgage options from our network of over 110 lenders to find a suitable solution that fits your financial needs and goals.
Step 4: Support from Approval to Closing
We guide you through mortgage approval, due diligence and final documentation, coordinating with lenders and lawyers to help ensure a smooth closing.
Featured Ontario Mortgage Rates
Last Updated: September 29, 2026
See whether you qualify for one of these featured rates. Call Maurice at 416-618-9312 to discuss your mortgage options.
5-Year Variable (A.R.M.)
3.45%
Prime – 1.00%
Insured Purchase
Owner-occupied
25-yr amortization
90-day rate hold
Major Trust
5-Year Fixed Mortgage Rate
5-Year Fixed Rate
4.59%
Insured
Owner-occupied
25-yr amortization
120-day rate hold
Purchase or switch
Major Bank
3-Year Variable (A.R.M.)
3.55%
Prime – 0.90%
Insured
Owner-occupied
25-yr amortization
120-day rate hold
Major Trust
3-Year Fixed Mortgage Rate
3-Year Fixed Rate
4.39%
Insured
Owner-occupied
25-yr amortization
120-day rate hold
Purchase or Switch
Major bank
Mortgage Payment Calculator
Choose the best mortgage calculator for your device.
Use it online or download the app for iPhone and Android.
↔ Best viewed in landscape mode
↔ Best viewed in landscape mode
↓ Available for iPhone 🍎 and Android 🤖
Specialized Mortgage Services
More Ways I Can Help
✓ Start reviewing your options 120 days before maturity
✓ Review your lender’s renewal offers
✓ Compare rates, terms, and features
✓ Reassess your budget and goals
✓ Consult a mortgage professional
✓ Use business or personal income
✓ Lenders may use non-traditional methods to verify income
✓ Solutions for buying or refinancing
✓ Guidance through the approval process
More Options for Different Financial Needs
Specialized Mortgage Solutions
✓ Access equity for short-term cash flow
✓ Keep your existing first mortgage intact
✓ Consolidate costly monthly debts
✓ Preserve your low rate and avoid mortgage penalties
✓ Short-term mortgage solutions
✓ Options for income or credit challenges
✓ Available for first or second mortgages
✓ A clear repayment or exit strategy is required
How Do We Find Competitive Mortgage Rates?
We work with 110 lenders — including banks, alternative lenders, and private mortgage providers. That means we can shop around to find the best fit for your unique situation. Whether you’re buying your first home, renewing, or refinancing, we’ll do the digging so you don’t have to.
Maurice Kwok, MBA, CPA
I’ve guided over 4,200 Ontario homeowners through the mortgage process with clarity and confidence.
I’ll be with you every step of the way — offering honest advice, thoughtful solutions, and always putting your best interest first.
郭澤文先生（粵語、國語、英語）
我已為超過四千二百位客戶提供按揭服務，整個流程清晰透明，讓客戶倍感安心。在整個申請過程中，我會全程陪伴在您身邊，提供誠懇建議和周全方案，並始終以您的最大利益為優先考量。
Want Better Mortgage Advice?
Experience and ongoing professional education can help open more doors to mortgage approval opportunities.
Recognized Excellence Through
Sherwood Mortgage Group
I’m proud to have contributed to Sherwood Mortgage Group teams recognized with Mortgage Architects Ambassador Awards in 2021, 2022, 2024 and 2025—including a $2 billion-plus team achievement in 2025. This experience supports the knowledge, lender relationships and mortgage guidance I bring to clients today.
Market Insights for Your Mortgage Decisions
Mortgage, Real Estate & Economic Updates
📅 October 6, 2026
Toronto Home Prices Fall for Second Month as Borrowing Costs Rise
Toronto home prices declined again in September, with the benchmark price falling to $924,600. Home sales also declined for a second month, falling 5.2% from August. What’s behind the slowdown? Read more.
📅 September 21, 2026
Bank of Canada Warning: No Hesitation on Rate Hikes If Inflation Returns
Canada’s inflation is running around 3% and could edge higher soon. Bank of Canada Governor Tiff Macklem warns policymakers may need to act quickly if inflation persists. Why could waiting too long mean sharper rate hikes?
📅 September 14, 2026
Fixed Mortgage Rates Rise by 1/2% as Government Bond Yields Surge
Bond yields have surged, pushing fixed mortgage rates higher as lenders reduce discounts. Why are bond yields rising, and what could this shift mean for homebuyers and borrowers renewing their mortgages in coming months?
Your Trusted Mortgage Guide — With 31 Years of Experience
I spent 18 years helping clients at Canada’s top banks — RBC, TD, BMO, and National Bank. Now, as a Mortgage Broker for over 13 years, I work for you — not the bank — to find the mortgage that truly fits your needs.
Let’s chat. I’ll walk you through every step — no pressure.
4,200+ Mortgages
Years experience
What's New?
Recent milestones, learning, achievements and updates from my mortgage practice.
What Happy Clients Say...
Helpful Mortgage Resources
Latest Articles
Reverse Mortgages in Ontario: How They Work and When They May Make Sense
October 7, 2026
Learn how reverse mortgages work, when they may help, and why downsizing, family needs, long-term costs and retirement goals should all be considered carefully.
Second Mortgages Explained: When Do They Make Sense for Homeowners?
January 18, 2026
Learn how second mortgages work, why homeowners use them, and what to consider about rates, fees, risks, lender types and a clear exit strategy.
Mortgage Renewals in 2025–2026: From Ultra-Low Rates to Reality Check
November 7, 2025
Prepare for your mortgage renewal with practical strategies on rates, stress tests, refinancing, term choices, lender comparisons and managing higher payments in Ontario.
Access to 110 Lenders Across Canada
Scotia Bank, TD Bank, BMO, CIBC, B2B Bank, Equitable Bank, Manulife Bank, First National Financial, MCAP, RMG, RFA, Strive Capital, CLMS, Merix, NPX, Home Trust, Glasslake Funding, Optimum Mortgage, Gingko MIC, Neighbourhood Holdings, etc.
Avoid Costly Mortgage Mistakes
The wrong mortgage can cost you thousands in interest, penalties, or missed opportunities.
Many mortgage approvals fall apart during final due diligence — often just days before closing.
Working with a knowledgeable, experienced broker helps you avoid fine print traps, last-minute surprises, and approvals that don’t hold up when it matters most.
- 529 Wilson Ave, North York, ON M3H 1V1
- Text Maurice: 416-618-9312
- maurice@sherwoodMortgageGroup.com
- Maurice Kwok, Mortgage Broker – Sherwood Mortgage Group, Member of the Mortgage Architects Network
How can I best help you?
Talk to Your Trusted Mortgage Guide Today!
Website Administrator:
Maurice Kwok, CPA, MBA
Your Trusted Mortgage Guide since 1995.