Mortgage Solutions for Every Stage of Homeownership
Enjoy Your Retirement
✓ No monthly mortgage payments
✓ Stay in the home you love without selling
✓ Receive tax-free cash
✓ Does not affect OAS or GIS benefits
Reduce Debt. Breathe Easier
✓ Consolidate high-interest debts
✓ Also access equity for major expenses
✓ As a result, improve your cash flow
✓ Protect your home ownership
Buy with Confidence
✓ 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.
How Do We Find Competitive Mortgage Rates?
We work with 110 lenders — including banks, alternative lenders, and private mortgage providers. As such, 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
Over the past 31 years, 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。
What Our Happy Clients Say...
We had a really challenging situation/tight timeline, and Maurice handled it patiently. He explored multiple lender options, and kept the lines of communication open the entire time.
His deep knowledge of the market and genuine care for our situation made a stressful process feel completely manageable.
Truly 5-star service!
After speaking with multiple mortgage brokers, Maurice was by far the most responsive, and was able to guide me the entire process.
He explained everything in detail from fees, expectations from all parties, things to avoid, best practices, overall strategy based on our personal situation.
Read Full Review
This was the second time my husband and I worked with Maurice to secure our mortgage. We have nothing but good things to say. We came across some unforeseen challenges during our application process and Maurice put in extra effort to ensure we secured our mortgage in a short amount of time.
We would definitely use Maurice again if we were to buy a new home and would recommend him to all our family and friends.
This is my second time , i have used the assistance of Sherwood mortgage group.
I had the pleasure of working with Maurice Kwok both times. I like to thank him for helping me secure my mortgage. His professionalism and expertise made this complex process smooth.
I like to thank him for his constant support, and for going that extra mile.
Read Full Review
Exceptional Mortgage Broker - Maurice Kwok is a Star!
I cannot express enough gratitude for the outstanding service we've received from Maurice Kwok at Sherwood Mortgage Group.
Having worked with Maurice on three separate occasions to secure mortgages, I am consistently impressed with his unwavering commitment to securing the lowest interest rates for his clients.
Read Full Review
Maurice Kwok is the finest mortgage broker that I have ever had the pleasure of working with. I have been a client of Maurice for over twenty years now. This is now the third house mortgage that I need his help.
Nowadays, buying for a home is problematic, finding a reliable and ethical mortgage broker is even more so. Thankfully, throughout my mortgage searching process, Maurice has truly performed above and beyond my expectations.
Read Full Review
Featured Ontario Mortgage Rates
Last Updated: October 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.)
3.70%
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
4.99%
Insured
Owner-occupied
25-yr amortization
120-day rate hold
Purchase or switch
Major Bank
3-Year Variable (A.R.M.)
3.80%
Prime – 0.90%
Insured
Owner-occupied
25-yr amortization
120-day rate hold
Major Trust
3-Year Fixed Mortgage Rate
3-Year Fixed Rate
4.79%
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.
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↔ Best viewed in landscape mode
↓ Available for iPhone 🍎 and Android 🤖
Specialized Mortgage Services
More Ways I Can Help
Review Before You Renew
✓ 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
Mortgage Options for Business Owners
✓ 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
Worried About Your Next Mortgage Payment?
✓ Access equity for short-term cash flow
✓ Keep your existing first mortgage intact, where appropriate.
✓ Consolidate costly monthly debts
✓ As a result, preserve your low rate and avoid mortgage penalties
When Traditional Lending Is Not an Option
✓ Short-term mortgage solutions
✓ Even with income or credit challenges, options may be available
✓ Available for first or second mortgages
✓ Importantly, a clear repayment or exit strategy is required
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. Building on this experience, I bring valuable knowledge, lender relationships and mortgage guidance to clients today.
Market Insights for Your Mortgage Decisions
Mortgage, Real Estate & Economic Updates
📅 October 26, 2026
Canada’s Retail Sales Rebound — Will Interest Rates Rise?
Canada’s retail sales rebounded 1.2% in August 2026, with Toronto surging 4%. Stronger consumer spending signals economic resilience but raises questions about inflation and the Bank of Canada’s next interest rate decision.
📅 October 16, 2026
Canada Loses 110,000 Jobs in Two Months: Mortgage Implications
Canada lost 110,000 jobs in August and September 2026, signalling a weakening labour market. Discover how rising employment uncertainty could affect Ontario mortgage approvals, refinancing and upcoming mortgage renewals.
📅 October 13, 2026
Deloitte Lowers Canada’s 2027 Growth Forecast as Economy Stalls
Deloitte cuts Canada’s 2027 GDP growth forecast to 1.6% amid trade uncertainty and weak investment. Discover how slower economic growth could affect mortgage rates, housing demand and Canadian homeowners.
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. Therefore, my priority is 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.
MORTGAGE INSIGHTS & ADVICE
Helpful Mortgage Resources
Latest Articles
How to Use Mortgage Refinancing to Reduce Debt in Ontario
October 30, 2026
Discover how Ontario homeowners can consolidate high-interest debts, improve monthly cash flow, and access home equity through mortgage refinancing, with a practical Toronto couple’s example.
Ontario Homebuyers: When a Low Appraisal Puts Your Deposit at Risk
October 15, 2026
A low appraisal can derail an Ontario home purchase. See how 20%–30% appraisal gaps create mortgage shortfalls, threaten deposits, and leave buyers scrambling for cash at closing.
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.
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.