• Mortgages
    • Refinance
      • Debt Consolidation
      • Renovation Finance
      • Equity Takeout
    • HELOC
    • Mortgage Renewal
    • Reverse Mortgage
    • Commercial
    • Second Home
    • First Time Home Buyer
    • Construction Financing
    • Purchase and Improvement
    • New To Canada
    • Pre-Approval
  • Calculators
    • Mortgage Payment Calculator
    • Mortgage Affordability Calculator
    • Land Transfer Tax Calculator
  • About Us
    • Community Outreach
    • Meet Our Team – Agents
    • Meet Our Team – Corporate
    • Why 8Twelve
  • Careers
  • News You Can Use
  • FAQ
  • Contact Us
Apply Now
1.877.812.8123
  • EN
  • |
  • FR
  • EN
  • |
  • FR
1.877.812.8123
  • Mortgages
    • Refinance
      • Debt Consolidation
      • Renovation Finance
      • Equity Takeout
    • HELOC
    • Mortgage Renewal
    • Reverse Mortgage
    • Commercial
    • Second Home
    • First Time Home Buyer
    • Construction Financing
    • Purchase and Improvement
    • New To Canada
    • Pre-Approval
  • Calculators
    • Mortgage Payment Calculator
    • Mortgage Affordability Calculator
    • Land Transfer Tax Calculator
  • About Us
    • Community Outreach
    • Meet Our Team – Agents
    • Meet Our Team – Corporate
    • Why 8Twelve
  • Careers
  • News You Can Use
  • FAQ
  • Contact Us

New thinking. New solutions.

Empowering you through creative mortgage financing

Work with a broker who thinks differently, works differently and stops at nothing to find you the ideal mortgage to suit your needs.

Get Started
8Twelve Home

We’ve got proof

Latest awards and client reviews

We work hard to help you achieve your financial goals – and it shows.
logo-image-05
logo-image-03
logo-image-02
logo-image-01
logo-image-04
top brokerage 8TWELVE
star-rating

4.9 Rating

400+ 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.
Previous
Next

Industry-best rates

We work with nearly every lender in the industry

8Twelve delivers broad access to an extensive list of mortgage products with the best rates the industry has to offer.

1-Year Fixed
Rate Mortgage

Today's Rate

2.74%

3-Year Fixed Rate

High-Ratio Mortgage

3.28%

5-Year Fixed Rate

High-Ratio Mortgage

3.54%

5-Year VRM Rate

High-Ratio Mortgage

2.05%

Get the Best Rates

You’re entitled to more

We help you get the best-fit mortgage at the lowest possible rate

Through the lender relationships we’ve built, the team we employ and the approach we take, 8Twelve is able to maximize your financial situation.

Buy your first home

Buying a home? Get pre-approved and know exactly what you can afford, with a maximum principal and the best rates in Canada.

Learn More

Use your home equity

Consolidate your debt, fund a renovation, or put a down payment on an investment property through a lucrative mortgage refinance.

Learn More

Renew your mortgage

Don’t settle just because it’s easier. Now is the perfect time to re-evaluate your goals and negotiate a new mortgage to suit your current situation.

Learn More

Meet Our Team

Marc Santos

Mortgage Agent
Team Lead

Zeynep Babir

Director of Business
Development, Sales

Shareen Ayoub

Mortgage Agent
Team Lead

Joanne Bateman

Senior Mortgage Agent

Meet All Of Our Team

Crunch the numbers

Mortgage calculators for every purpose

Be it a first-time home purchase, a mortgage renewal, a renovation plan or a debt consolidation, form a plan based on your financial goals.
Mortgage Payment Calculator
Mortgage Affordability Calculator
Land Transfer Tax Calculator

Information is power

Explore the 8Twelve Knowledge Hub

Learn the ins and outs of our operation, get the latest pulse on the Canadian mortgage market or read about attractive programs for homeowners. It’s all right here.
Gary Fooks

8Twelve Mortgage – Empowering Mortgage Agents

Leading with Technology

Canadian Mortgage Market Evolution

See More Articles

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!
How do I qualify for a mortgage?

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).

What are good reasons to pull equity out of my property?

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.

How do I get a pre-approval?

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

When should I strongly consider a refinance?

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.

You Ask, We Answer

Be in the know

Join our weekly newsletter

Stay informed. Understand your options. Get the most out of your home’s equity. Or sign up to receive effective tips for homebuyers and all the ways you can stay ahead of the game as a borrower. No spam, we promise.
8Twelve Mortgage Corp. (ON Brokerage 13072)
Please correct the marked field(s) below.
1,true,6,Contact Email,2 1,false,1,First Name,2 1,false,1,Last Name,2
  Thank you for Signing Up
Facebook-f Twitter Youtube Linkedin-in Instagram
  • Meet Our Team – Agents
  • Meet Our Team – Corporate
  • Mortgage Payment Calculator
  • Mortgage Affordability Calculator
  • Land Transfer Tax Calculator
  • Why 8Twelve
  • Community Outreach
  • Careers
  • FAQ
  • News You Can Use
  • Contact Us
  • Privacy Policy
  • Accessibility
  • 8Twelve Financial Technologies
  • 8Twelve Capital

Head Office

8Twelve Mortgage Corp
(ON License #13072)
45 Sheppard Ave East, Suite 211,
Toronto, Ontario, Canada
M2N 5W9

Locations

Corporate Phone & Fax
1.877.812.8128 (Toll Free)

 

Sales Phone & Fax
1.877.812.8128 (Toll Free)
1.416.800.1052 (Local)

 

Email
info@8twelve.mortgage

Copyright © 2022 8Twelve