What this website is, and what it is not.

Mortgage services provided through The Mortgage Alliance Company of Canada Inc., FSRA Brokerage Licence #10530. These terms are between you and that brokerage, and they cover your use of this website.

Reading this site, using the calculator or sending an enquiry does not make you a client and does not start a mortgage application. A working relationship begins when a licensed agent agrees to act for you and you sign the brokerage’s own documents. Those documents govern that work — this page does not.

Nothing on this website is an offer of credit or a commitment to lend, and nothing here is advice about your situation. The pages here are general information about mortgages in Ontario, written for a general reader. Your income, your credit history, your other debts, the property and each lender’s own rules all change the answer.

We are a brokerage. We do not make the lending decision. Approval is the lender’s decision and it is subject to that lender’s underwriting, a review of your credit, verification of your income and down payment, and an appraisal of the property. A rate on this site, a figure a calculator produced, or a conversation with us before a lender has issued its commitment — none of those is an approval, and none of them binds a lender.

When a lender does approve a file, the lender’s written commitment sets out the terms, and that document governs. If something on this page appears to conflict with it, the lender’s commitment is the one that counts.

Rates published here are indicative. Every rate we display carries its APR, its term, the conditions attached to it, the compounding basis, and the date and time it took effect — and the lender, where the posting names one. A rate missing any of those is not displayed at all. The page drops it rather than print a number nobody can stand behind.

Posted rates are available to qualified borrowers on the conditions listed beside each rate. What you are actually offered depends on your credit, your income, the property and your loan-to-value, so it may differ from what you see here. Rates can change or be withdrawn at any time, including between the moment you read one and the moment you call us.

When our posted rates go stale, we take them down. If the newest posting is more than 7 days old, if any rate on it has passed its expiry, or if the page cannot read the rate source at all, the entire rate block is removed and replaced with a note asking you to call for that day’s pricing. That is deliberate: an empty rate table is survivable, and a number that was true last month is not. It also means an empty rate table is not a fault you need to report — it is the system working.

The APR beside each rate is calculated on the assumptions stated on the rates page itself. Your own APR will differ with your loan amount, the fees on your file and your amortization.

The calculator on this site works out what a payment would be on the numbers you type into it. It compounds semi-annually, the way Canadian fixed-rate mortgages are calculated, so the figure lines up with how a lender would quote it rather than with a US formula’s answer.

You supply the rate. The calculator does not read our posted rates and does not look one up for you, so what it returns is an estimate of your own assumption. Term figures assume the rate you entered holds for the whole term — a variable rate will not, and a fixed rate only does until renewal.

It does not include property tax, condominium fees, heating, default insurance premiums where the down payment is under 20%, or closing costs. A lender’s affordability assessment counts several of those, so a payment you could comfortably service is not the same thing as an amount a lender will advance.

A calculator result is not a pre-qualification, not a quote and not a commitment to lend. No lender has seen your file when you use it. Nothing you type into it is sent to us either: it runs entirely in your browser, and those figures are not submitted, stored or logged anywhere.

This site is written for people in Ontario. The brokerage is licensed in Ontario, and the rates, rules and disclosures here are Ontario ones — the rate table only shows postings for this province, and nothing on the site is prepared for another province or another country.

To send us an enquiry through this website you must be at least the age of majority in Ontario, and the information you send must be your own or information you are authorised to give us.

If you are outside Ontario you are welcome to read, but we may not be able to act for you. Call us and we will tell you plainly rather than take an enquiry we cannot act on.

Ordinary use is what you would expect: read the pages, use the calculator, send us an enquiry. The following are not permitted.

• Scraping, harvesting or bulk-copying content from this site — including the rate table — by any automated means.
• Submitting the enquiry form by script, or sending information that is untrue, that is not yours, or that you have no authority to give us.
• Working around the limits on the forms. The enquiry form accepts a short, fixed list of fields and refuses everything else outright — a Social Insurance Number, date of birth, credit score or bank details are rejected before they can be stored or logged, because this website is not where that information belongs.
• Interfering with the site or the systems behind it: probing them, overloading them, or trying to reach anything that is not published.
• Using anything taken from this site to make a misleading statement about us, about a lender, or about a rate.

We cap how many enquiries one address can send in an hour and we discard submissions that look automated. That is a speed bump rather than a security control, and we would rather say so than dress it up. What automated crawlers may fetch is set out in our robots file; please respect it. We can withdraw access to the site from anyone using it this way.

The text, layout, design and wordmark on this site belong to us or to our licensors. The Mortgage Alliance name and logo belong to the brokerage and are used with its approval. You are welcome to read, print and share pages for your own use. Republishing them as your own, selling them, or feeding them into another service without our written permission is not allowed.

The full copyright notice, and what to do if you believe something published here infringes your copyright, are on the copyright page. We have not repeated it here, so that there is only one version of it to keep correct.

Where a posted rate names a lender, the name is there to identify the product. That lender’s name and marks remain its own property, and naming it is not an endorsement in either direction — a lender does not endorse us by appearing in our rate table.

This site does not publish lender logos. Permission from the lender has to be confirmed before any lender logo or mark appears here, and that is an open item rather than an assumption.

Some pages link to other organisations — a regulator, a lender, a government page, or the brokerage’s own systems. We do not control those sites. Their content, their accuracy and their privacy practices are theirs and not ours, and a link is not an endorsement of everything on the other end of it.

This section is written to be proportionate and readable rather than maximal. Like the rest of this page it is pending review by counsel and by the brokerage’s compliance officer, and it may change once they have seen it.

We take real care with what is published here. Rates carry a date and are removed when they go stale, and the payment maths is checked against worked examples in our test suite. Even so, this website is provided as it is. We do not promise that it will be available without interruption, that it will be free of errors, or that it is complete or current for your purposes at the moment you read it.

To the extent the law allows, we are not liable for loss that follows from using this website or from relying on the general information published on it — including a lost opportunity, a rate that moved, or a decision made before speaking to a licensed agent. If you are about to act on something you read here, speak to us first. That is what a brokerage is for.

Nothing in these terms limits liability that cannot be limited by law, and nothing in them removes a right you have under consumer protection legislation that cannot be waived.

These terms are governed by the laws of Ontario and the federal laws of Canada that apply in Ontario, and the courts of Ontario have jurisdiction over any dispute about this website or about these terms.

The brokerage is licensed and supervised by the Financial Services Regulatory Authority of Ontario. Its licence number appears on every page of this site, including this one.

We update this page when the site changes or when we are told to change it. The effective date of the current version is at the top. Where a change materially affects how you can use the site, we will say so here rather than quietly swap the text.

Every version of this page is kept in version control with a date attached, so what it said on a given day is a question with an answer. Continuing to use the site after a change means the updated terms apply to that use.

Call (905) 462-8646 or email info@tdotlending.com. Our office is at 1200 Derry Road E, Unit 21, Mississauga, ON.

How we handle personal information is set out in our privacy policy, and our accessibility commitment is on the accessibility page. If any part of this site is difficult for you to use, tell us and we will get you the same information another way.