For Union Capital Realty clients
Know your number before you fall for a home.
Pre-approvals, renewals and refinancing, handled by a licensed mortgage agent who works alongside your realtor. Banks, credit unions and private lenders in one conversation.
- Handled by Ardy Toosi, Mortgage Agent Level 2
- Mortgage Associates Ontario Inc. Lic. #12340
- Response the same business day
- No cost to get pre-approved
10.0% down. Minimum for this price: $60,000.
Estimated monthly payment
$4,361
- Mortgage amount
- $788,715
- CMHC premium (added)
- $23,715
- Ontario PST on premium (at closing)
- $1,897
- Payment you must qualify at (6.49%)
- $5,278
Example rate for illustration, not a quote or commitment to lend. Your rate and approval depend on your credit, income, property and lender. 30-year amortization is limited to first-time buyers and new builds when your down payment is under 20%.
How we help
One agent for every stage of your mortgage.
Buying
Get a pre-approval that holds up when it counts. Know your real budget, hold a rate where available, and offer with confidence.
Get pre-approved →Renewing
Before you sign your lender's renewal letter, see how it compares. Switching lenders at maturity is often simpler than people expect.
Compare my renewal →Refinancing
Put your equity to work. Consolidate high-interest debt, renovate, or fund your next property, including alternative and private options.
Explore my options →Tell us your goal
Two minutes, no credit check, no documents yet.
Talk to a licensed agent
A real conversation about your numbers, not a sales script.
Get your pre-approval
Shop with a budget you can trust and a rate hold where available.
Refer & Earn
Know someone buying, renewing or refinancing?
Send them our way in 30 seconds. Earn a referral reward when their mortgage funds, paid by Mortgage Associates Ontario Inc.. Real estate agents are paid through their brokerage.
Rewards are paid only on funded mortgages. Your contact receives a written disclosure that you may be paid. See the program terms on the referral page.
Does it cost anything to get pre-approved?+
No. There is no cost to get pre-approved. If a fee ever applies to a specific mortgage, such as some private loans, it is disclosed in writing before you commit.
Will this affect my credit?+
Not at this step. A credit check is needed to issue a pre-approval, and we only run it with your permission.
Is Union Capital Realty arranging my mortgage?+
No. Union Capital Realty, Brokerage is a real estate brokerage. Mortgage services are provided by Ardy Toosi, Mortgage Agent Level 2, through Mortgage Associates Ontario Inc. (FSRA Brokerage Licence #12340).
Do I have to use you?+
No. You can use any lender or mortgage professional you like. We just make it easy to get a strong answer quickly.
What if my bank already said no?+
We work with banks, credit unions and alternative lenders. Ardy Toosi is licensed at Level 2, which includes private lending when it's the right fit.