Mortgage guidance grounded in North York
North York is not one simple market. A condo near Yonge and Sheppard, a townhouse near Fairview, and a detached home in York Mills or Bayview Village can each create a different mortgage conversation. FairChoice helps you sort the numbers, lender fit, timing and trade-offs before you commit.
Every property type asks different questions
Lenders look at North York homes differently depending on what you are buying. A condo application involves the monthly condo fee and the building’s financial health. An older detached home may depend more heavily on the appraisal. A unit you plan to rent out needs rental income documented the way a lender expects. Knowing these questions in advance means fewer surprises after an accepted offer.
Mortgage help for every stage
- First-time home buyers — budget, down payment and closing costs explained before you start viewing.
- Mortgage pre-approval — know your price range and your lender’s conditions.
- Mortgage renewals — compare your lender’s offer with the wider market.
- Refinancing and debt consolidation — use home equity to lower monthly pressure.
- Reverse mortgages — options for homeowners aged 55 and over.
- Private and second mortgages — when a bank says no or timing is tight.
- Commercial and business property financing for owners and investors.
Neighbourhoods we serve
We work with clients throughout North York, including Willowdale, Don Mills, Bayview Village, York Mills, Henry Farm, Parkway Forest, Newtonbrook, Bathurst Manor and Downsview — and across the city in Toronto, Scarborough, Etobicoke and Vaughan.
Why North York families work with FairChoice
- Family-run since 1997. Founded in North York by Collette Handy; Sean Handy is Broker of Record.
- 6,000+ clients helped across North York, Toronto and the GTA.
- 20+ lenders — major banks, credit unions and alternative lenders compared in one conversation.
- 57 Google reviews, rated 5.0.
- FSRA Licensed Mortgage Brokerage #11387.
Visit or call our North York office
245 Fairview Mall Drive, Suite 303, North York, ON M2J 4T1 — beside Fairview Mall and Don Mills subway station, close to Highways 401 and 404. Call (905) 625-2288 before you visit so the right person is available.
North York mortgage questions
Do I have to live in North York to work with FairChoice?
No. Our office is in North York, but we work with buyers and homeowners across Toronto and Ontario.
Can you help with a condo purchase in North York?
Yes. Condo files bring their own questions — condo fees, the building’s financial health and the lender’s view of the unit — so we review those alongside your income and down payment before you make an offer.
My mortgage renewal is coming up. When should I call?
Ideally a few months before your renewal date, so there is time to compare your lender’s offer with other lenders and to review penalties, portability and prepayment options before you sign.
Do you work with self-employed borrowers?
Yes. Self-employed and non-traditional income files are a regular part of our work. The options depend on what income you can document and each lender’s requirements.
How is FairChoice paid?
Ask us at the start — FairChoice discloses all fees and commissions up front, before you proceed.
FairChoice will help you compare your options without pressure.
Related FairChoice resources
Information is general and not financial, legal, or mortgage approval advice. Rates and approvals depend on lender criteria and borrower circumstances.