A mortgage shaped around your life — not the bank's checklist.
I'm Paul Fraser, a mortgage broker with Tailored Mortgages. I shop dozens of lenders — banks, credit unions, and alternative and private lenders — to find the mortgage that fits your situation, then I stay in your corner through closing and beyond.
- ✓ Purchases, renewals, refinances, HELOCs & more
- ✓ Options for self-employed and newcomer buyers
- ✓ Serving homeowners across the GTA and Ontario
What I can help with
Eight ways I help clients buy, keep, and get more out of their homes — plus protection for the people who live in them.
How it works
No pressure, no obligation — and in most cases my service costs you nothing, because the lender pays the brokerage.
A short conversation
We talk through your goals, your timeline, and what you can comfortably afford — by phone, video, or in person.
I shop the market for you
I compare offers across banks, credit unions, and alternative lenders, and explain the trade-offs in plain language — rate, penalties, prepayment flexibility.
Approval to closing
I handle the paperwork and the back-and-forth with the lender, keep you posted at every step, and check in before renewal so you never overpay by default.
Current rates
Indicative rates from this week's market snapshot, as of Friday, October 16, 2026. Your actual rate depends on the property, your credit and income, and the lender — ask me for a quote on your exact scenario.
| Product | Rate | Notes |
|---|---|---|
| HELOC — Fall PromoPromo | 4.20% | Prime − 0.25%. Revolving credit secured by your home; pay interest only on what you use. |
| 5-year fixed | 4.34% | The most popular term in Canada — rate and payment locked for five years. |
| Variable rate | 3.41–3.44% | Moves with the prime rate. Lower today, with flexibility if rates keep falling. |
| Prime rate | 4.45% | The benchmark behind variable mortgages and HELOCs. |
| Second mortgages | 8.49–9.99% | Private options up to $1.5M and 80% loan-to-value in the GTA — useful for debt consolidation or when the bank says no. |
Rates shown are indicative only, are subject to change without notice, and are available on approved credit (OAC) through specific lenders and products. Not every borrower or property will qualify for the lowest rate shown. This is not a commitment to lend. Figures from the Tailored Mortgages market snapshot dated October 16, 2026.
Payment calculator
A quick estimate using Canadian semi-annual compounding. Try your numbers — then let's confirm with a real quote.
Estimate only — excludes property taxes, CMHC/default insurance premiums, and rate changes on variable products.
About Paul
I'm Paul G Fraser, a mortgage broker with Tailored Mortgages, powered by DLC North Power Mortgages Inc. (Lic# 13625), serving clients across the Greater Toronto Area and Ontario.
A bank can only sell you its own products. As a broker, I work for you — I compare mortgages from dozens of lenders, including major banks, credit unions, monoline lenders, and alternative and private lenders, and I recommend the one that fits your finances and your plans. That matters most when your file isn't cookie-cutter: self-employment income, a recent move to Canada, bruised credit, or a property that doesn't fit a big bank's box.
My approach is simple: straight answers, the math shown up front, and no pressure. I'll tell you when a lender's early-renewal offer is genuinely good — and when it's worth shopping. Most of my clients come from referrals, and I'd rather earn yours than rush you.
Beyond mortgages, I also advise on life insurance and critical illness insurance, so the home we finance together stays protected if life takes a turn.
- BrokerageTailored Mortgages, powered by DLC North Power Mortgages Inc., Lic# 13625
- Phone416-725-7204
- Emailpfraser@tailoredmortgages.ca
- Service areaGreater Toronto Area & across Ontario
Apply for a mortgage
Two ways to start — whichever suits you. Both land directly with me, and there's no obligation either way.
Apply online
The secure online application takes about 10 minutes. It asks for the essentials — income, property, and what you're looking to do — and you can save and come back to it.
Start the online application- Government ID for each applicant
- Recent pay stub or employment letter
- Notice of assessment (last 1–2 years)
- Current mortgage statement, if renewing or refinancing
- Purchase agreement, if you've already bought
Talk first
Prefer to start with a conversation? Book a free call at a time that works for you, or send a quick quote request by email and I'll reply with next steps.
Prefer to just call? 416-725-7204
Contact
Reach out however you like — I'll get back to you personally, usually the same business day.
Paul G Fraser
Mortgage Broker
Tailored Mortgages
Powered by DLC North Power Mortgages Inc., Lic# 13625
Questions about a purchase, a renewal coming due, or getting equity out of your home? Send the basics and I'll come back with real numbers — not a sales pitch.
Email Paul