ron siddharth
(Independently Licensed Mortgage Broker)
Recent Success Stories!
Best Mortgage solutions to fit your needs
No two mortgages are alike. We work with and for you to find the best mortgage solutions customized for your needs.
A Mortgage Broker You Can Trust
Work with a mortgage broker who work FOR you and not just WITH you. Read more to find why that's important.
Integrity, Reliability and responsiveness
A mortgage broker who puts integrity above all else, who's fast, always available and reliable to customers and partners.
You get the best mortgage experience, supported by a team you can trust.
And best of all, We do not charge clients for our services
Why work with a Licensed Mortgage Broker?
Only FSRA-licensed mortgage professionals (mortgage brokers and agents) are authorized in Ontario to collect your financial information and shop mortgage options on your behalf. Why does that matter—and how is it different from working with a mortgage specialist at your favourite bank? See the comparison below.
Licensed Mortgage Broker (FSRA-Licensed in Ontario)
- Independent & licensed: Licensed by the Financial Services Regulatory Authority of Ontario (FSRA) under Ontario’s mortgage broker legislation.
- Shops the market: Can compare options across multiple lenders (banks, credit unions, monoline lenders, alternative lenders, and private lenders).
- One application, more options: You provide documents once, and your broker can match you to different lender programs based on your goals and qualifications.
- Strategy beyond the rate: Helps you compare the full mortgage package—penalties, prepayment privileges, portability, refinance flexibility, amortization, lender policy, etc.
- Disclosure & suitability: Required to provide key disclosures and recommend options that are appropriate for your situation (not just whatever one institution is offering).
- Compensation transparency: Typically paid by the lender on standard mortgages; any broker fee (common with alternative/private lending) must be disclosed upfront.
- Advocacy through closing: Acts as a point person to help coordinate with the lender, insurer (if applicable), lawyer, and realtor—especially when timelines are tight.
Bank's Mortgage Specialist
(Bank Employee)
- Works for one lender: Represents one bank and can only offer that bank’s mortgage products, rates, and exceptions.
- Less lender-to-lender negotiation power: Because they’re not shopping your file externally, they generally can’t pit multiple lenders against each other on pricing, exceptions, or policy—what you get is what that bank is willing to approve.
- Bank-first incentives: May have sales targets and internal product priorities tied to the bank’s broader goals.
- Limited product shelf: Approval is based on that bank’s specific guidelines—if the bank can’t make it work, you’ll need to start fresh elsewhere.
- Service continuity can vary: Your specialist may change roles/branches; ongoing support is typically through the bank’s internal system.
- Terms are bank-specific: Features (prepayments, penalties, portability, refinance rules) follow that bank’s standard policies—negotiation is usually within tighter guardrails.
- Best for existing relationships (sometimes): Can be helpful if you’re seeking relationship pricing/bundling with other bank products and your file fits the bank’s box.
Our Reviews
Our Services
Find The Right mortgage solution for you
New Purchase
Buying Your First Home
Are you looking to buy your first home? We can help you make the right choices. Get in touch.
Save money
Renew Your Mortgage
Is your mortgage coming up for renewal in 2023? Get in touch, we can help save money.
Next Purchase
Investment/Next Home
Are you looking to buy an investment property or a vacation home? Contact us today.
Use Your Home Equity
Refinance Your Mortgage
Are you looking to refinance your current mortgage? Find out how we can help.
other ways to make mortgages work for you
Check out our other services where we help you get a mortgage solution that works for you
Best Mortgage Rates
How can we offer the best Mortgage Rates?
We have access to over 65+ lenders ranging from the big banks, to credit unions, private lenders
Majority of mortgages in Canada are offered by the big banks. But they're not the only financial institutions who offer mortgages.
We have access to dozens of lenders offering thousands of mortgage products. Lenders who don’t necessarily advertise. Lenders who don’t have hundreds of physical branches. Meaning lesser costs. Cost savings which are passed to you. Furthermore:
Close access to multiple lenders
Our close access to a diverse pool of lenders is instrumental in getting the best rates possible for any client requirement
Complete transparency
Our services to clients is free (we get compensated by lenders). Moreover, there are no hidden costs when working with us. We provide unmatched transparency when it comes to costs.
Our Lenders
Lenders and counting
Offering
Mortgage Solutions
Big Banks
We are mortgage partners to some of the largest Canadian banks including from big 5
Alternate Lenders
We work extensively with dozens of alternate lenders offering more flexible options
Monoline Lenders
We are the biggest partners to several monoline (only offer secured mortgages) lenders
Private Lenders
Huge portfolio of private lenders (including an in-house lender) offering max flexibility
Some of Our lender partners
Where Canadian Housing Trends and Economic Insights Converge
(Our Bimonthly Newsletter, Complimentary to our clients and select realtor partners)
Latest Edition of Housonomix
- Cooling Inflation, Soft Rents & The Renewal Trap
by Ron Siddharth on February 27, 2026 at 1:58 pmWhy 2026 Is Quietly Shifting Leverage Back to Prepared Borrowers
Get in touch with us
Feel free to reach out and ask questions
We’re happy to answer any questions you might have. Please reach out using the form here, or using any of the options below.
- 647-779-1901 (Please text using SMS/Whatsapp for faster responses)
- Click here to schedule a free mortgage consultation
- ron@ronmortgages.com
- Working hours: Mon - Sat: 8:00am - 8:00pm