# Circle Mortgage Group Inc.

> Licensed Ontario mortgage brokerage (FSRA #12805) arranging residential, commercial, private, and reverse mortgages through third-party lenders. Strategy-first guidance, plain-language education, no rate promises.

Circle Mortgage Group is a brokerage based in Burlington, Ontario serving the Greater Toronto Area and Southern Ontario. We do not lend our own money — we source mortgage solutions from a network of bank, monoline, alternative, and private lenders. This site contains educational mortgage guides, calculators, service pages, and a blog.

## Pages

- [Home](/): Brokerage overview, services, and primary CTAs.
- [About](/about): Who we are, licensing, and team.
- [Contact](/contact): Phone, email, office location, hours.
- [Apply Now](/apply): Initial mortgage assessment intake form.
- [Calculators](/calculators): Payment, affordability, renewal, refinance, rent-vs-buy, and land transfer tax calculators.
- [Circle Connect](/circle-connect): Client referral rewards program.
- [Moving Checklist](/moving-checklist): Southern Ontario interactive moving checklist.
- [Blog](/blog): Articles on rates, policy, and market trends.

## Services

- [First-Time Home Buyers](/first-time-buyers): Down payment, pre-approval, and incentive guidance.
- [Mortgage Renewals](/mortgage-renewals): Shopping the renewal vs. signing the bank's offer.
- [Refinance](/refinance): Equity take-out, rate-and-term, and consolidation refinances.
- [Private Mortgages](/private-mortgages): Short-term private lending for credit, income, or property challenges.
- [Bad Credit Mortgages](/bad-credit): Alternative and B-lender options for damaged credit.
- [Self-Employed Mortgages](/self-employed): Stated-income and alt-doc programs for business owners.
- [Debt Consolidation](/debt-consolidation): Rolling unsecured debt into the mortgage.
- [Commercial Mortgages](/commercial): Owner-occupied, investment, and construction commercial financing.
- [Reverse Mortgages](/reverse-mortgages): CHIP and Equitable Bank reverse mortgages for Canadians 55+.
- [Reverse Mortgage Case Studies](/reverse-mortgages/case-studies): Illustrative anonymized scenarios showing how Ontario homeowners use reverse mortgages.
- [Equipment Leasing](/equipment-leasing): Business equipment financing through leasing partners.

## Educational Resources

- [Mortgage Basics](/resources/mortgage-basics): Foundational concepts for new borrowers.
- [Mortgage Renewals Explained](/resources/mortgage-renewals-explained): Renewal process pillar guide.
- [Mortgage Refinancing Guide](/resources/mortgage-refinancing-guide): When and how to refinance.
- [First-Time Buyer Guide](/resources/first-time-buyer-guide): End-to-end first purchase walkthrough.
- [Bad Credit Lending Explained](/resources/bad-credit-lending-explained): How B and private lenders evaluate credit.
- [Private Mortgages Explained](/resources/private-mortgages-explained): Costs, terms, and exit strategies.
- [Mortgage Glossary](/resources/mortgage-glossary): Plain-language definitions of common terms.
- [Divorce and Your Home (Ontario)](/resources/divorce-and-your-home-ontario): Mortgage options during separation.

## Blog

- [Bank of Canada Rate Decisions](/blog/bank-of-canada-rate-decisions): How BoC decisions affect mortgage rates.
- [Fixed vs Variable Mortgages 2025](/blog/fixed-vs-variable-mortgages-2025): Trade-offs in the current rate environment.
- [Mortgage Stress Test Explained](/blog/mortgage-stress-test-explained): Qualifying rate rules and impact.
- [Interest Rate Changes Impact](/blog/interest-rate-changes-impact): What rate moves mean for borrowers.
- [Housing Market Trends 2025](/blog/housing-market-trends-2025): Southern Ontario market commentary.
- [CMHC Insurance Explained](/blog/cmhc-insurance-explained): Default insurance rules and premiums.
- [Ontario First-Time Buyer Incentives](/blog/ontario-first-time-buyer-incentives): Provincial and federal programs.
- [Improve Credit Score for a Mortgage](/blog/improve-credit-score-mortgage): Practical steps to qualify.

## Optional

- [Privacy Policy](/privacy)
- [Terms of Service](/terms)