What payment can you keep if rates change?
FairChoice compares approval amount, monthly payment, renewal risk, and prepayment flexibility so buyers do not rely on rate alone.
North York · Toronto · Ontario
Don't let a bank tell you what you can afford.
We've done this 6,000 times.
Buying a home is too important to leave to a bank script. FairChoice brings 25+ years of mortgage experience, local Toronto judgment, and steady guidance from first conversation to closing.
25+
Years guiding
Ontario homeowners
Ontario homeowners
6,000+
Clients helped
across the GTA
across the GTA
20+
Lender partners
we shop for you
we shop for you
5 ★
Client satisfaction
reviews
reviews
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"Be coached, not sold."
The FairChoice promise — since 1997.
Strategy before paperwork. Always.
Mortgage Solutions
Five paths.
One trusted guide.
Whether you're buying your first home or accessing equity after decades of building — FairChoice maps the right mortgage path for where you are right now.
01
Purchase
First-time, move-up, and investment property financing with strategy-first guidance.
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02
Renewal
Compare stay, switch, and restructure options before the deadline letter arrives.
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03
Refinance
Consolidate debt, access equity, or reduce monthly payments — when the numbers work.
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04
Reverse
Access your home equity in retirement — with no monthly mortgage payments required.
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05
Commercial
Business property financing beyond the standard residential checklist.
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A starting point for your next conversation.
Your goals come first.
Choose what’s on your mind to see a service to explore and a few things to prepare.
Or talk it through with usOntario Service Areas
Local guidance.
Built for real borrowers.
Explore FairChoice guides for Ontario mortgage services and local borrower questions. Each page is written to help people compare options without rate or approval promises.
Mortgage services
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Refinancing
Unlock equity.
Lower your pressure.
Create breathing room.
Refinancing is not just about a better rate. Many homeowners, especially older owners with years of built-up equity, need a way to handle inflation, higher payments, and debt without losing control of the home they worked for.
- Consolidate high-interest debt into one lower monthly payment
- Access built-up home equity for renovations or investment
- Restructure your amortization to reduce monthly payment pressure
- Self-employed and complex income files handled with care
Why FairChoice
A mortgage plan.
Built around you.
The conversation starts with what matters to you.
Strategy before paperwork
Your goals, timing and income come first. We start with your plans before discussing the lender.
Find your mortgage pathMore options. A clearer comparison.
20+ lender partners, including RMG, Scotiabank, MCAP, EQ Bank and First National. Explore the options with guidance.
Explore our mortgage servicesBe coached, not sold
Take the time to ask questions, understand the tradeoffs and talk through your next move with Collette and Sean.
Meet the people behind your planThe Team
The Handy family.
Since 1997.
Collette Handy
Broker and Founder
In the industry since 1983
With a career in Financial Consulting, Insurance, and Mortgage Brokering dating back to 1983, Collette built FairChoice from the ground up. A long-standing member and former director of the Canadian Mortgage Brokers Association, he brings unmatched expertise to every client file — and finds ways to make you genuinely better off financially.
Sean Handy
Broker of Record
Joined FairChoice in 2001
Sean joined his parents at FairChoice in 2001 and never looked back. Where the major banks see a file that doesn't fit the box, Sean sees a person with a goal — and he finds the lender who sees the same thing. He handles complex refinances, commercial files, and self-employed borrowers with quiet expertise.
Client Voices
What our clients say
after closing.
56 Google reviews. Every one is 5 star.
Open the full Google review profile to read every client review, including the newest feedback for FairChoice Mortgage Co.
Google review profile · North York, Ontario
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★★★★★
Collette and Sean were very professional and guided us through the mortgage refinance with great expertise, answered all our questions in a thoughtful and timely way, leading to a smooth process and a positive outcome.
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★★★★★
It was an absolute pleasure working with Collette and his team. The level of communication and punctuality was superb. They were very hardworking and straightforward throughout the entire mortgage process.
"
★★★★★
Been doing business with Collette & Sean for about 2 years now. Very helpful, quick, efficient and polite. I direct friends and family to FairChoice for all mortgage needs. Highly recommended.
Start the conversation
Ready to map your
next mortgage move?
Tell FairChoice whether you're buying, renewing, or refinancing — and we'll start with the strategy, not the paperwork.
What should Ontario buyers ask before choosing a mortgage?
Which lender fits your income story?
Commission, self-employed, new-to-Canada, and credit-rebuild files often need a different lender path than a simple bank pre-approval.
What documents should be ready first?
Income proof, down-payment trail, debts, property details, and timing shape the strategy before an application is sent.