Greenhouse Mortgage Services Inc. — Best Mortgage Rates Burlington & Ontario | FSRA Licensed Broker #13468

Client Stories

10,000+ Happy
Homeowners

Don't take our word for it. Read real stories from real homeowners who found their perfect mortgage through Greenhouse Mortgage.

4.9/5
Average Rating
2,400+
Google Reviews
98%
Would Recommend
Real Outcomes

Before & after: the Greenhouse difference

These aren't cherry-picked outliers. This is what happens when you shop 30+ lenders instead of accepting your bank's first offer.

OB

The Osei Family

Brampton, ON

Bank Declined → Approved

Before Greenhouse

  • Declined by TD and RBC — both cited irregular employment income
  • Told to "come back in 2 years" after building their savings
  • Had $95K saved for down payment with nowhere to put it

After Greenhouse

  • Approved in 48 hours through a lender specializing in commissioned income
  • Secured a 4.94% 5-year fixed rate — below what the bank had initially quoted
  • Moved in 6 weeks later. Kids started at new school in September.

"We cried when we got the approval. After two rejections we had basically given up. Eddie found a way when we thought there wasn't one."

RC

Robert & Carol V.

Burlington, ON

Renewal Savings

At Renewal with Their Bank

  • Bank offered 5.89% at renewal — "take it or leave it"
  • Carrying $42K in high-interest credit card and car debt
  • Monthly mortgage + debt payments: $4,240

After Refinancing with Greenhouse

  • Secured 5.14% — 0.75% lower than bank offer, saving $312/mo on the mortgage alone
  • Consolidated all debt into the mortgage. Eliminated $680/mo in debt payments.
  • Total monthly payment now $3,248 — $992 per month better off

"That's nearly $12,000 a year back in our household. Antonio explained everything clearly — no surprises, no pressure. We wish we'd called sooner."

JK

Jasmine K.

Mississauga, ON

Self-Employed

What Other Brokers Said

  • Two brokers told her self-employment income "wouldn't qualify" at the amount she needed
  • Advised to declare more income on her taxes (she refused — rightfully so)
  • Had been renting for 3 years waiting for an answer that worked

What Greenhouse Did

  • Structured her application using a stated-income lender program designed for incorporated business owners
  • Qualified for $680,000 — exactly what she needed for her Mississauga townhouse
  • Closed in 31 days. Has since referred four friends who also closed successfully.

"I've been paying tax properly for 8 years. I wasn't going to cook my books. Greenhouse found a legitimate path that actually rewarded that."

SJ

Sarah & James Mitchell

Toronto, ON

First-Time Buyer

“Greenhouse Mortgage saved us over $18,000 over the life of our mortgage by finding a rate 0.45% lower than our bank offered. Our advisor was responsive, patient, and made the whole process feel effortless. We moved into our dream home in just 47 days from first contact to closing.”

January 2025$18,400 saved
DC

David Chen

Vancouver, BC

Refinancing

“I was skeptical at first, but Greenhouse Mortgage completely changed how I think about getting a mortgage. They compared 12 different lenders and had my pre-approval done in 36 hours. My realtor — who has 20 years of experience — said she's never seen a mortgage close so smoothly.”

February 2025$380/mo saved
PS

Priya Sharma

Calgary, AB

Self-Employed

“As a self-employed professional, I thought getting a mortgage would be a nightmare. The team at Greenhouse Mortgage knew exactly which lenders to approach for self-employed borrowers and structured my application perfectly. Smooth process from start to finish.”

December 2024Approved in 52hrs
ML

Mark & Lisa Okonkwo

Ottawa, ON

Investment Property

“We've now financed 3 investment properties through Greenhouse Mortgage and the experience gets better every time. Their team understands investor needs deeply — rental income qualification, multi-unit properties, portfolio lending. Absolutely top tier service.”

March 20253 properties financed
JT

Jennifer Tremblay

Montreal, QC

First-Time Buyer

“My Greenhouse Mortgage advisor walked me through every single step of the process in plain language. No jargon, no confusion. She helped me max out my FHSA contributions and use the Home Buyers' Plan to pull $35,000 from my RRSP — I had way more saved than I realized. I genuinely felt looked after throughout the entire process.”

November 2024$75K down payment
RN

Robert & Carol Nguyen

Edmonton, AB

Refinancing

“We refinanced with Greenhouse Mortgage after being unhappy with our bank's renewal offer. They found us a rate 0.65% lower and helped us consolidate $40K in high-interest debt into our mortgage. Our monthly cash flow improved by over $800. Life-changing.”

January 2025$800/mo improved
TB

Tyler Brooks

Mississauga, ON

First-Time Buyer

“As a first-time buyer, I was overwhelmed. Greenhouse Mortgage assigned me a dedicated advisor who was available evenings and weekends. They found me an incredible rate and the entire process felt like having a knowledgeable friend in my corner.”

February 2025Rate locked 120 days
AP

Angela & Pierre Beaumont

Quebec City, QC

HELOC

“We used Greenhouse Mortgage to set up a HELOC for a major home renovation project. The process was quick and the rate they secured was significantly better than what our bank offered. The renovation is now complete and our home value has increased substantially.”

October 2024Best HELOC rate
KM

Kevin Matsumoto

Burnaby, BC

Variable Rate

“I chose a variable rate mortgage on Greenhouse Mortgage's advice and it's been the best financial decision I've made. They explained the risks and benefits clearly and helped me understand when to lock in. I trust their expertise completely.”

September 20240.40% below prime

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