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Circle Mortgage Group gives you not only the best mortgage rates but also that Old School advice.

At Circle Mortgage Group we believe that each consumer should get advice prior to entering in to any Mortgage Approval. Assistance in understanding the nuances of each and every lender that offers them a mortgage. Taking the time to do this results in a happy and informed client. We make sure you understand how your rate is calculated but also how your Mortgage Penalty is calculated. So in the event that a life change happens, you are already prepared and you know how your Mortgage can move with you.

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Toronto index stopped trending down in January

In January the Teranet–National Bank National Composite House Price IndexTM rose 0.3% from the previous month, a tic higher than the historical average for January and a second consecutive monthly increase. However, only four of the 11 metropolitan markets surveyed showed gains – the first time since January 2016 that [...]

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My Rates

Bank Rates Term OUR RATES
2.95% 5 year Variable Insured 2.70%
2.95% 5 year Variable Conventional 2.95%
3.79% 5 year Fixed Insured 3.35%
3.79% 5 year Fixed Conventional 3.59%
3.45% Prime 3.70%

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For Our Customers?

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What our customers are saying?

Choosing to work with Jivan on my first mortgage was probably the best decision I made throughout the whole process. Simply stated, he made the process very easy and pain-free, while securing a fantastic rate with terms that were just right for me. Not only was he knowledgable and fast to respond, he listened and always answered my questions with attentiveness. I am thoroughly impressed with his professionalism and would highly recommend Jivan to all of my friends and family members.

Nancy Fazzini

Whether your client needs a Conventional, high ratio or a ‘D’ lender…..Jivan can make it happen. His clients are always treated to the best in customer service and respect of their individual privacy.

Deanna Gunter

Our experience with Jivan has been outstanding. He always seems to find us the lowest rates, but that’s only part of it. What really shines is the level of service he offers. He keeps us up to speed as the market changes and offers advice that time has shown to be absolutely spot on. Need a mortgage? Call Jivan.

Paul Vance

I have used Jivan’s services on numerous occasions, and have had successful results that suite my needs and budget. He was very professional yet personal so there was a confident feeling in my new mortgage. I have always received the best rate and get frequent updates. I have been so confident in his business etiquette that I have not only referred his services to my friends but also to my mom. I continue to use Jivan’s services to renew my investments.

Ramona Paul

Jivan is a hard working professional who will not stop until he gets the deal done.

Shivinder Aujla PFP CFP

Jivan has always been very professional and thorough with his follow up. Energetic individual who is focussed and has strong people skills and superlative customer service. Certainly a result oriented individual and my best wishes for Jivan, who I am certain would fit in to any organization and drive results.

Harry Desai

It is truly a great pleasure to be working with Jivan. He is honest, friendly, and very knowledgeable about his industry. Do yourself a favour and contact Jivan first for all your lending needs!

Lambros Bryan Demos

I have had the pleasure of working with Jivan on several real estate deals and he consistently brokered the best mortgage rate for me.The process was always painless and fast. I trust his recommendations and advise.

Tony Almeida

Jivan is professional all the way. He offered solutions to me at a time when I was stressed about options. He took care of every small detail and ensured communication was always two-way. An excellent Broker. Highly recommended!

Jacquie Jefferies

I have had the pleasure of using Jivan’s expert mortgage broker services on two seperate occasions. I am very impressed with the results Jivan was able to come through with for me. He also keeps me updated with current information regarding the current morgage intrest rates so I am able to make ( with his guidance ) an informed decission on planning my next move. I have and will continue to recommend Jivan to anyone who would like excellent professional morgage broker.

Rob Hill

Jivan’s sense of ethics is endearing. Mortgages are a hard hit to a client and it makes my business worth working for when I work with a Mortgage Broker who works with my client and ensures that the Mortgage my client is signing into will not result in sleepless nights.

Tasnim Jivaji

First time buying a house is a very stressful experience, and Jivan at DLC really helped reduce that stress by clearly outlining the process before we began so there were no surprises along the way and of course I had a lot of questions, and he was quick to respond to them. Now I recommend Jivan to anyone that tells me they are considering to buy a house because of my stress-free experience

Andrew Mabon

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