Terms of Use

These terms govern your use of this website. By using the site you accept them.

Educational information only

This site is operated by Rajiv Verma, Mortgage Broker, through Mortgage Architects, FSRA Brokerage Licence #12728. Everything published here is general information about mortgage options in Ontario. It is not legal, accounting, tax or insolvency advice, and it is not an offer of credit or a commitment to lend.

No approval or guarantee

Nothing on this site constitutes a mortgage approval, a rate quote or a lender commitment. Calculators, examples and figures are illustrative and use assumptions that may not match your situation. Final approval depends on a complete application and lender review. Rates, fees, lender policies and legislation change without notice.

Borrowing carries risk

A mortgage is secured against your home. Missed payments can have serious consequences, including loss of the property. Private financing generally costs more than prime lending, fees may apply, and renewal is not guaranteed. Please obtain independent professional advice before acting.

Your responsibilities

You agree not to misuse the site, attempt unauthorised access, or submit false information through any form.

Third-party links

This site links to third-party websites, including government and credit-bureau resources. We do not control that content and are not responsible for it.

Intellectual property

Content on this site is owned by Rajiv Verma unless stated otherwise, and may not be reproduced commercially without permission.

Changes and contact

These terms may be updated from time to time. Office 289-505-0631, direct 647-291-7116, or email rajiv@simplifymortgage.ca.