• Mortgages
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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
Creative mortgage solutions for

Debt Consolidation

The best mortgage rates, a simplified process and superior customer services every step of the way.
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What Our Clients Say

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1-Year Fixed Rate Mortgage

Today’s Rate

3-Year Fixed Rate

High-Ratio Mortgage

5-Year Fixed Rate

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5-Year VRM Rate

High-Ratio Mortgage

1.99%

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1.99%

1.99%

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Our Services

Helping Canadians Get More

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.

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Use Your Home Equity

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

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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.

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Meet Our Team

Marc Santos
Moortgage Agent Team Lead
Zeynep Babir
Director of Business Development, Sales
Shareen Ayoub
Moortgage Agent Team Lead
Joanne Bateman
Senior Moortgage Agent
Get the Best Rates

Mortgage Calculators

Whether you’re looking to purchase your first home, renew your mortgage, planning a renovation or performing debt consolidation, it all begins with forming a plan based around your financial goals.
Mortgage Payment Calculator
Mortgage Affordability Calculator
Land Transfer Tax Calculator

Knowledge Hub

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Leading With Technology

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Canadian Mortgage Market Evolution

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Need Relief? 5 Programs Homeowners Should Know About

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Get Answers to All Your Questions

What documents do I need to apply for a mortgage?
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Fixes or variable rate, which is right for me?
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What is a Second Mortgage and how does it work?
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Should I Refinance my Mortgage?
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