Disclosure and compliance
Important regulatory and legal information.
Brokerage information
Mortgage services are provided by Estate Mortgage Group, a licensed mortgage brokerage in Ontario. Estate Mortgage Group Lic. 13425. All mortgage agents operate under the supervision of the brokerage.
Regulatory oversight
Estate Mortgage Group is regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA). We adhere to all regulatory requirements including disclosure obligations, suitability assessments, and consumer protection standards.
Calculator disclaimer
All calculations provided by this platform are estimates only and are not a commitment to lend. Actual mortgage amounts, payments, rates, and terms will depend on individual lender guidelines, credit assessment, income verification, property appraisal, and complete documentation review. Results should not be relied upon as financial advice.
Rate disclaimer
Rates are on approved credit (O.A.C.) and subject to change without notice. Rates shown are the lowest available to Estate Mortgage Group from its lender partners as of the date displayed, and may not be available to every borrower. Your rate depends on your credit, down payment, income, property, mortgage product and lender approval. Specials and promotional rates, including quick-close rates, are limited-time offers with conditions, which may include closing within a set number of days (for example 45 days), purchases or switches only, new business only, minimum credit score and rate-hold limits. Insured rates require mortgage default insurance (premium and applicable PST apply). Variable and adjustable rates are based on the lender’s prime rate and will change when prime changes. Your annual percentage rate (APR) and total cost of borrowing will be disclosed to you in writing before you commit to a mortgage. Other conditions may apply. E.&O.E. Estate Mortgage Group, FSRA Brokerage Licence #13425. Contact us for a rate quote specific to your situation.
AI copilot disclaimer
The AI Mortgage Copilot provides general information about Ontario mortgage topics. Responses are not mortgage approval, legal advice, or financial advice. Always consult with a licensed mortgage professional for decisions regarding your specific situation.
Stress test information
The federal mortgage stress test requires borrowers to qualify at the higher of their contract rate plus 2% or 5.25% (the benchmark rate). This applies to both insured and uninsured mortgages. The 5.25% floor is set by OSFI (uninsured) and the Department of Finance (insured) and may change.
CMHC insurance
Mortgage insurance from CMHC, Sagen, or Canada Guaranty is required for mortgages with a down payment of less than 20% of the purchase price. Insurance premiums vary based on loan-to-value ratio and are typically added to the mortgage amount.
Complaints process
If you have a complaint about our services, please contact Estate Mortgage Group directly. If the matter is not resolved to your satisfaction, you may contact the Financial Services Regulatory Authority of Ontario (FSRA) or the Ombudsman for Banking Services and Investments (OBSI).