Your Home Your Future

Mehrnaz Ahmadbeigi — Mortgage Agent Level 2

Mehrnaz Ahmadbeigi

Mortgage Agent Level 2 · Licence #M11001233
Brokerage: Mortgage Architects

Toronto's #1 Trusted Mortgage Agent Level 2

With over 17 years of experience, we help clients navigate even the most complex mortgage decisions with clarity, confidence, and a strategy tailored entirely to their goals.

Book a Free Consultation Try Our Calculators
Estimated Monthly Payment
$3,842 / mo
✓ Pre-approved
Mortgage Progress20% Down
17+
Years Serving Canadians
Many
Happy Families
100%
Free Service
Ontario Land Transfer Tax (Toronto, First-Time)
$700K Purchase, Net LTT
$8,575
Scroll
0+
Years of Experience
Helped Many
Clients
0
Client Types Served
0%
Free Consultations

Access to 57+ lenders, including top private lenders, to secure your lowest possible interest rate

TD Bank
Scotiabank
First National
MCAP
Equitable Bank
+ 52 More Lenders
Who We Serve

Making Mortgages Simple,
One Family at a Time.

Whether you're buying your first home, scaling your portfolio, or supporting your clients, we're here for you.

First time buyers home

First Time Buyers

We guide first time homebuyers through every step from pre approval to closing, with patience, clarity, and zero jargon. Your dream home starts here.

Real estate investment towers

Real Estate Investors

We structure mortgage solutions that maximize your return on investment and support long term portfolio growth. Smart financing for strategic buyers.

Realtor handshake

Realtors & Agents

We partner with real estate professionals to deliver fast, reliable mortgage support for their clients every time, on deadline.

Construction blueprints

Construction Loans

Building your dream home? We arrange draw stage construction financing tailored to your timeline, with a smooth transition to a standard mortgage once complete.

Commercial office building

Commercial Loan

From office and retail space to multi unit and mixed use properties, we arrange tailored commercial financing, helping business owners and investors secure the right terms to grow.

Private loan savings and home

Private Loan

Need flexible, fast financing outside the traditional banks? We connect you with trusted private lenders for short term, equity based, or unique situations, with clear terms and honest guidance.

Mehrnaz Ahmadbeigi — Mortgage Agent Level 2
17+
Years of Trust
Our Story

17 Years. Many Smiles.
One Goal, Yours.

Mehrnaz Ahmadbeigi

Licensed Mortgage Agent Level 2 · Toronto, Ontario

Mortgage For Canadians was founded on a simple belief: finding the right mortgage should feel empowering, not overwhelming. Based in Toronto, I've spent 17+ years turning complex financial decisions into clear, confident steps forward.

I don't just process mortgages. I build lasting relationships. Every client gets a solution tailored specifically to them, backed by honest advice and genuine care. No jargon. No pressure. Just results.

Friendly & Approachable
Calm & Reassuring
Expert & Trusted
Always Client-Centred
Let's Walk Through Your Options → Try Our Calculators
🏠
My Mortgage Planner
by Mehrnaz Ahmadbeigi
MONTHLY PAYMENT
$3,842 / mo
Book Consultation →
⭐ Free Download
Mobile App

Your Mortgage,
In Your Pocket.

Download My Mortgage Planner, the free app by Mehrnaz Ahmadbeigi that puts powerful mortgage tools right on your phone. Calculate payments, plan your purchase, and connect with me directly, anytime.

Mortgage payment calculator on the go
Land transfer tax estimator for Ontario
Direct contact with Mehrnaz, one tap away
100% free, no account required
Get it on Google Play
Coming soon on App Store
The Process

From First Call to
Holding Your Keys

Four simple steps, we handle the complexity so you don't have to.

1

Free Consultation

We learn about your goals, situation, and timeline, no paperwork yet, just a conversation.

2

Pre Approval

We shop your file across our lender network and secure the best rate and terms for you.

3

Approval & Commitment

You receive a formal mortgage commitment letter, your offer on a home is backed with confidence.

4

Close & Move In

We work with your lawyer to finalize everything. You pick up your keys on closing day. 🎉

Free Consultation

We're Here Whenever
You Have Questions.

No pressure. No jargon. Just a friendly conversation about your mortgage goals, at your pace, on your terms.

🤝

Free In-Person Consultation (Up to 30 Minutes)

Meet face-to-face to discuss your situation and goals. We'll outline the best path forward for you.

📄

Pre-Approval Assessment

We'll assess your eligibility and the best rates available to you today.

🎯

Personalized Strategy

Every recommendation is tailored to you, not off the shelf, not one size fits all.

🛡️

No Obligation, Ever

Your consultation is 100% free because your trust is earned, not bought.

Book Your Free Consultation
Great news, we'll make sure you understand every step. 🎉
First-Time Buyer
Real Estate Investor
Realtor / Agent
Financial Tools

Plan Your Purchase
With Confidence

Use our free calculators to estimate your mortgage payments and land transfer tax costs, right here, right now.

Mortgage Details
Home Price$800,000
Down Payment$160,000 (20%)
Annual Interest Rate5.25%
Amortization Period25 years
Payment Frequency
Weekly
Bi-Weekly
Monthly
🇨🇦 Canadian Mortgage: Compounded semi-annually (not monthly). This calculator uses the correct effective monthly rate. CMHC insurance is included for <20% down payments.
Your Estimated Payment
Payment Amount
$4,497
per month
Mortgage Amount$640,000
Down Payment$160,000
CMHC PremiumNone required
Total Interest Paid$709,100
Total Cost of Mortgage$1,349,100
💬  Discuss With an Expert
Property Details
Purchase Price$800,000
Location
🏙️ City of Toronto
🍁 Rest of Ontario
Buyer Type
First-Time Buyer
Other Buyer
Ontario LTT Rates:
0.5% on first $55K · 1.0% on $55K–$250K · 1.5% on $250K–$400K · 2.0% on $400K–$2M · 2.5% above $2M

Toronto Municipal LTT:
0.5% on first $55K · 1.0% on $55K–$400K · 1.5% on $400K–$40M · 2.0% above $40M

First-Time Buyer Rebates: Up to $4,000 (Ontario) + up to $4,475 (Toronto)
Land Transfer Tax Breakdown
Ontario Provincial LTT
$11,475
First-time buyer rebate: −$4,000
Net: $7,475
Toronto Municipal LTT
$11,725
First-time buyer rebate: −$4,475
Net: $7,250
Total Land Transfer Tax Owing
$14,725
📞  Get Personalized Advice
Client Stories

What Our Clients Say

Real people, real results. Here's what our clients have to say about working with Mortgage For Canadians.

"
★★★★★

Working with Mortgage For Canadians was the best decision we made. They walked us through everything step by step, we never felt confused or pressured. We got our dream home in North York with a rate we never thought was possible!

SL
Sarah & Michael L.
First-Time Buyers · North York
"
★★★★★

As a real estate investor with 6 properties, I need a broker who truly understands portfolio financing. This team is exceptional. They found me solutions that genuinely maximized my ROI. I refer them to everyone I know.

RK
Reza K.
Real Estate Investor · Downtown Toronto
"
★★★★★

I refer all my clients to Mehrnaz because she's fast, reliable, and always keeps me in the loop. My buyers close on time, every time. She's become an essential part of my team.

JT
Jason T.
Realtor · Etobicoke
"
★★★★★

When our mortgage came up for renewal, Mehrnaz took the time to shop the market for us instead of just accepting the bank's offer. She found us a much better rate and saved us thousands over the term. We won't renew with anyone else.

AP
Anita P.
Mortgage Renewal · Markham
"
★★★★★

As a self-employed business owner, I'd been turned down before because my income looked complicated on paper. Mehrnaz knew exactly how to present my situation and got me approved with a great rate. She made the impossible feel easy.

DM
David M.
Self-Employed · Vaughan
"
★★★★★

As newcomers to Canada, we had no credit history and didn't know where to start. Mehrnaz guided us patiently through every step in plain language and helped us buy our very first home. We are so grateful for her kindness and expertise.

LN
Linh N.
Newcomer to Canada · Scarborough
Common Questions

Frequently Asked Questions

Can't find your answer? Call us at 416-319-7988
We're happy to help.

The minimum down payment is 5% for homes up to $500,000. For homes between $500,000 and $999,999, it's 5% on the first $500K and 10% on the remainder. Homes priced at $1 million or more require a minimum 20% down payment. Putting down less than 20% requires CMHC mortgage insurance.
Pre-qualification is an informal estimate based on self-reported information, it gives you a rough idea of what you may qualify for. Pre-approval is a formal process where we verify your income, credit, and assets with a lender. Pre-approval holds a rate for 90–120 days and carries real weight when making an offer on a home.
A construction loan releases funds in stages ("draws") as your build progresses, rather than as one lump sum. You typically pay interest only on the amount drawn so far. Once construction is complete, the loan converts into a standard mortgage. We'll help you plan the draw schedule and find a lender suited to your project.
First-time buyers in Ontario benefit from a Land Transfer Tax rebate of up to $4,000 provincially. If you're buying in Toronto, there's an additional Municipal Land Transfer Tax rebate of up to $4,475. Together, that's up to $8,475 back in your pocket. Use our Land Transfer Tax calculator above to see your exact savings.
It depends on your risk tolerance, financial situation, and market conditions. Fixed rates give you predictability and protection if rates rise. Variable rates have historically been lower over time but fluctuate with the Bank of Canada's prime rate. We'll walk you through both options and help you choose what's right for your specific situation, with no pressure.
With all your documents ready, pre-approval typically takes 24–48 hours. A full mortgage commitment after an accepted offer usually takes 3–5 business days. We work efficiently with our lender network to meet your closing timeline, and we keep you informed every step of the way.
Get In Touch

We're Ready When You Are

Phone

416-319-7988

Mon–Fri: 9 AM – 7 PM
Evening appointments available

Email

info@mortgageforcanadians.com

We respond within 2 hours on business days

Office

North York, ON, Canada

Licensed in Ontario
FSRA Registered Mortgage Agent Level 2

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