First-Time Buyer
First-Time Home Buyer Program
Stack the FHSA ($40K tax-free), RRSP Home Buyers' Plan ($35K), and CMHC-insured rates to maximize your down payment and minimize your mortgage.
From 4.19%Learn more
First home in BurlingtonApproved in 24 hrs
Renewal saved $3,800/yr5-yr fixed · 4.19%
Keys in hand — HamiltonPre-approved in 1 day
Refinanced at 4.19%Saved $290/mo instantly
First home in MississaugaBank said no — we said yes
Condo in downtown TorontoSelf-employed approval
Switched lenders & saved$4,200 back in pocket
Approved despite past creditPrivate mortgage solution
Family home · BurlingtonRenewal locked in early
Ontario's FSRA Licensed Mortgage Brokers
Burlington · Hamilton · GTA & across Ontario · 30+ lenders
Ontario Mortgage Broker — Best Rates, 30+ Lenders | Greenhouse Mortgage Burlington
Whether you're buying your first home, refinancing with bad credit, or need a private mortgage in Ontario — our licensed brokers find the right solution across 30+ lenders.
FSRA Licensed30+ LendersSame-Day Pre-Approval4.9 · 847 Reviews
New — March 2026Royal Assent: March 12, 2026
Save up to $130,000
on your new home purchase
The federal government just passed the First-Time Home Buyers' GST/HST Rebate — eliminating up to 5% GST on new homes. Ontario buyers get an even bigger deal: the full 13% HST removed until March 2027.
$50K
Max federal GST rebate
Homes up to $1M
$130K
Max Ontario HST rebate
All buyers, Apr 2026–Mar 2027
0%
GST on new homes
First-time buyers, up to $1M
5K+
Canadian Homeowners Served
16+
Lenders — Banks & Monolines
0.33%
Avg. Below Big Bank Rate
$40K
Max FHSA + HBP Combined
2.60/5
Client Satisfaction Rating
Mortgage Solutions
Find Your Perfect
Mortgage Match
Whether you're buying your first home, refinancing, or expanding your portfolio — we have the right mortgage product for you.
Refinancing
Smart Refinance & Renewal
Lower your monthly payments, access home equity, or switch lenders penalty-free at renewal. We calculate your IRD penalty and net savings before recommending anything.
Save $300–$600/moLearn more
Investment Property
Investment Property Financing
Grow your Canadian real estate portfolio with lenders who qualify using 100% of rental income. Multi-unit, condo, and portfolio options available.
From 4.74%Learn more
New ways to save
Shop 30+ Canadian Lenders
We compare rates from major banks, credit unions, and monoline lenders you can't access directly — finding rates 0.5–0.7% below what banks typically offer walk-in customers.
Learn more →Track Rates. Move When Ready.
Set a rate alert for your target and we'll notify you the moment it's available across our lender network. No need to watch the market yourself.
See rate details →Use Home Equity Wisely
Roll high-interest debt into your mortgage via cash-out refinance or HELOC — often cutting your effective rate from 19% to under 5% on consolidated balances.
See how it works →Calculate the possibilities
Use our calculator tools to estimate payments, see costs clearly and make smarter moves.
Purchase price$425,000
$150K$1.2M
Estimated monthly payment
$2,011
Purchase price$425,000
Interest rate5.875%
Down payment$85,000 (20%)
Loan term30 yr fixed
Loan amount
$340,000
30-year term
Total interest
$384K
Bank declined us twice. Greenhouse got us approved in 36 hours — 4.89% on a 5-year fixed when two banks said no. We're closing next month. Honestly thought homeownership wasn't happening for us.
— Marcus & Priya T.
Brampton, ON
Google ReviewApproved after 2 bank declines
1 / 3
Trusted & Verified
Licensed, secure, and backed by Canada's top lenders
Your information and your mortgage are in safe hands. Here's why thousands of Canadians trust Greenhouse Mortgages.
SSL Encrypted
256-bit secure connection
Privacy Protected
PIPEDA compliant
No Data Selling
Your info stays yours
FINTRAC Registered
Federally regulated
FSRA Licensed
Ontario — Lic. #13649
CMHC Approved
Insured mortgage lender
CAAMP Member
Mortgage Professionals Canada
REMIC Certified
Accredited mortgage experts
Lender Network
Access to 30+ lenders — banks, monolines & credit unions
We shop them all for you
TD Bank
RBC
Scotiabank
BMO
CIBC
National Bank
First National
MCAP
CMLS
Equitable Bank
Home Trust
Haventree
Merix
Street Capital
Lendwise
15 more
Service AreasOntario's mortgage broker —
Ontario's mortgage broker —
from Burlington to the GTA
We're licensed across Ontario and work with clients province-wide. Here are our most active service areas for residential, investment, and private mortgage financing.
Not seeing your city? We're licensed province-wide — reach out and we'll help.
Get My Free Quote — Anywhere in OntarioLive Rate Monitoring
Get notified the moment
rates drop
We monitor 30+ Canadian lenders in real time. When your target rate is hit, you'll be the first to know — so you can lock in before it moves again.
5-yr Fixed
4.19%
↓ 0.10%
3-yr Fixed
4.34%
↓ 0.05%
Variable
P − 0.85%
→ Hold
HELOC
P + 0.50%
→ Hold
More solutions than ever before
Lifetime savings, not just a one-time rate
We monitor your mortgage beyond closing — rate alerts, renewal reminders, and equity access opportunities so you never overpay.
IRD penalty analysis on every file
We calculate your prepayment penalty before recommending a break or refinance. No surprises, no bad advice. This is the most important step most brokers skip.
10,000+ Canadians helped — and counting
From first-time buyers stacking FHSA + RRSP to investors financing their fifth property. Every situation handled with the same care.