Ontario coverage
Mortgage broker services across Ontario
Phil Cragg is licensed throughout Ontario. The office is located in Toronto — these pages describe local context, not additional offices. Most reviews happen by phone or video wherever you are in the province.
Takes about two minutes. No obligation. No judgment.
Licensed in Ontario
Phil Cragg, Mortgage Agent, Licence #11000073 · Mortgage Outlet Inc., Brokerage #12628
Same day call back
We aim to return every enquiry the same day, by phone or email — whichever you prefer.
15 years, across Ontario
Office in Toronto. Clients across the province served by phone, video, and secure document handling.
Greater Toronto Area
Toronto
Our office is located on Scarsdale Road in Toronto, and a large share of the files we review come from across the city — from long-held family homes i…
Peel Region
Mississauga
Mississauga files often involve households carrying a mortgage alongside meaningful consumer debt, where the question is whether restructuring genuine…
Peel Region
Brampton
Many Brampton enquiries involve multi-generational households, self-employed income in trades and transport, and properties with secondary units — all…
Hamilton and Niagara
Hamilton
Hamilton files frequently involve older housing stock, homes with secondary units, and owners with substantial accumulated equity relative to income —…
Eastern Ontario
Ottawa
Ottawa enquiries often involve contract and consulting income, households with two very different income structures, and buyers moving between the cit…
Southwestern Ontario
London
London files commonly involve first-time buyers with limited credit history, homeowners consolidating debt, and self-employed applicants in skilled tr…
Waterloo Region
Kitchener–Waterloo
Kitchener and Waterloo files often involve contract technology income, stock or bonus compensation, and newer buyers whose income is strong but struct…
Essex County
Windsor
Windsor enquiries frequently involve shift and seasonal manufacturing income, cross-border employment, and homeowners looking to restructure debt agai…
Simcoe County
Barrie
Barrie and Simcoe County files often involve commuters, self-employed trades, recreational and waterfront properties, and homeowners who purchased at …
York Region
Markham
Markham files frequently involve business owners, newcomers with strong assets but short Canadian credit histories, and households where income is ear…
York Region
Vaughan
Vaughan enquiries commonly involve construction and trades business owners, newer subdivision homes with large balances, and households consolidating …
Eastern Ontario
Kingston
Kingston files often involve rental and student-housing properties, public-sector and healthcare households, and owners of older properties in establi…
Information on this website is general in nature and is not a commitment to lend, an approval, legal advice, tax advice, or financial advice. Mortgage availability, rates, terms, fees, and approval depend on the applicant, the property, lender requirements, market conditions, and applicable law. An application and supporting documents may be required.