Speak with a professional
Book a confidential Ontario mortgage consultation
A straightforward conversation with Phil Cragg, Mortgage Agent — what you are trying to do, what is standing in the way, and which lender categories are realistically worth exploring.
Request your consultation
Share a few details below and a licensed mortgage agent will reach out to arrange a time that works for you. No credit check, no documents, and no obligation.
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.
How the process runs
01
Share your situation
A short, confidential assessment covering what you are trying to do and the broad shape of your finances. About two minutes, no documents, no credit check.
02
A licensed agent reviews it
Phil personally reviews what you have submitted and identifies what is missing, what is workable, and what the realistic obstacles are.
03
An honest conversation
A call at the time and method you chose, covering which lender categories may fit, what each would likely cost, and what the trade-offs are.
04
A clear next step
That may be a secure application, a specific list of documents, or a mortgage readiness plan with a reassessment date. Whichever it is, you will know why.