Every mortgage has a story. Let us help you with yours.

8Twelve Mortgage offers the best rates in Toronto and incredible customer service, all powered by cutting edge leading technology.

  • Simple & Easy
  • Free Quotes
  • Lowest Rates

Every mortgage has a story. Let us help you with yours.


Getting Your Mortgage in Toronto is as Easy as 1-2-3

Step 1

Apply online or phone

It only takes a few minutes. It’s free and there is no credit check. Your personal 8Twelve Mortgage Strategist will be with you every step of the way.

Step 2

Personalized Solutions

Our industry leading technology will search 60+ lenders and over 5,000 products. We’ll match you with the best home financing solution available.

Step 3

Sit Back & Relax

From the application to approval and all the way to closing, we take care of everything for you. Transparency and honesty are what we commit to you.

Every mortgage has a story. Let us help you with yours.

Toronto Mortgage Stories

We Help You Save Thousands

Simple & Easy

We make it easy to apply online or by phone. The process is completely transparent and you can check the status of your application anytime, anywhere.

Free Quotes

Your 8Twelve Mortgage Strategist will prepare for you a free, no obligation, easy to understand personal quote.

Best Rates

Our volume discounts ensure you will receive the best rates available, right across Canada.

Quick Approval

Get your mortgage up to 50% faster with 8Twelve’s proprietary and industry leading technology platform.

Multiple Options

Our team of Mortgage Strategists work tirelessly to ensure you are receiving the best-fit mortgage at the best possible rate.

Save Thousands

We are committed to saving you money by getting you the best rates and home financing solutions available.

Apply anytime, anywhere.

We make it easy for you to learn & save!

Ask us anything

We’re always here to help

There are live agents ready and willing to answer any questions you might have about the mortgage process. Fire away!

Among other things, lenders in Canada primarily look at three major qualifying criteria: your credit score (showing how well you manage your credit and loans), your debt-to-income service ratio (percentage that tells lenders how much of your income goes towards regular, recurring expenses), and your home equity (the difference between the appraised market value of your property and your loan amount).

Obtaining a mortgage that gives you extra cash out of your home can be intelligently used to pay off high-interest debts, fund a home renovation, put a down payment on a vacation or investment property, pay for extended healthcare or invest in your child’s education.

Contact 8Twelve and we’ll walk you through our fast and straightforward pre-approval process. Or, visit this link to get started: https://8twelve.mortgage/apply-now

If you’re locked into a mortgage rate that is above current market interest rates. If you have a variable rate and you want to reduce your risk by acquiring a fixed rate mortgage. Your property has equity and you need the cash. You are interested in lowering your regular monthly payments to improve cash flow.

We’ve got proof

Latest awards and client reviews

We work hard to help you achieve your financial goals – and it shows.

4.9 Rating

400+ 5 Star Reviews

Marie B
Marie B
Read More
The agent who assisted me was very professional and helpful to the end. I would highly recommend 8Twelve Mortgage to everyone and anyone. Thank you!!
Lorrie B
Lorrie B
Read More
Getting a mortgage can be stressful but everything went smooth and I was always made aware of what was happening. I am so excited about having my own home!
 Jason C
Jason C
Read More
Gary and his team of professionals provide some of the best service out there. They have always provided the best options and advice for my family’s financial needs. Personalized service and quick responses ensure they will always keep my business.
Ilan U
Ilan U
Read More
Great professional people to deal with, made the transaction as smooth as it could be. Would recommend them to everyone, definitely 5 star.