Sun - Sat : 08:30am - 9:00pm
SWhite@MortgageAlliance.com
905.903.4799
Pickering mortgage broker
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I'm your family's mortgage advisor offering great, unbiased advice.

I'm your family's mortgage advisor offering great, unbiased advice.

My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – Canada’s Mortgage Company.

I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.

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Mortgages Doing Good - helping those in need in our community and around the world

Mortgages Doing Good - helping those in need in our community and around the world

I help Canadians use their mortgage to support the charity, cause or community group they support. I’m able to help ensure homeowners are not only paying as little interest as possible but also hundreds or thousands of dollars are being directed to charities.

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Free Credit and Home Value Tracker

Free Credit and Home Value Tracker

Download the Mortgage Alliance MOPOLO app and get secure credit score monitoring and home value reports for free!

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Refinance

With interest rates at an all-time low, now is the ideal time to review your curren mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.

Renew/Switch

Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.

Equity Takeout

Have a big project you’ve been dreaming of or a major life event such as a child’s wedding? Unlike buying luxury toys or extra spending money, using equity to enrich your life – travel the world, further your education – is a good use of some of the wealth you’ve built.

Self Employed

As a self employed mortgage broker who purchases investment properties, I know the challenges you face getting funding from traditional lenders. I’ve developed great relationships with many mortgage providers with special programs for entrepreneurs and business owners.

No Income

Life happens. If you find yourself out of work or with reduced hours and worrying about how you’ll make your mortgage payments, there are solutions out there for you. I can help you access some of the equity in your home and perhaps even put you into a mortgage without monthly payments.

Investing

Are you looking to purchase an investment property but don’t know how, where or when? I’ve been an investor myself for nearly eight years and have a unique insight into the proper way to invest. Investment property mortgages are much different than a mortgage on your own home and you need an expert to ensure the process moves along smoothly.

Reverse Mortgages

A reverse mortgage is structured to ensure you have the money you need in precisely the way you want it. Whether you want a lump sum to reinvest or cover a major expense such as upgrading your home or providing a down payment on a mortgage for a family member, or instalment payments to cover living expenses a reverse mortgage may suit you perfectly.

Equity Shift

People are always thinking about diversifying their stocks and mutual funds, but hold all their real estate wealth in one property. I can help you shift some of your equity from your home into an income producing investment or even family cottage.

Divorce Mortgages

As a recent divorcee myself, I understand the emotions and overwhelming volume of paperwork required. Needing to sell your house is an added layer of stress that can be avoided by taking advantage of spousal buyout mortgage programs. As your trusted mortgage advisor who’s been through this I can calmly help you navigate the process of taking complete ownership of the home and buying out the other spouse’s equity as painlessly as possible.

Why Use a Mortgage Broker?

We work for you

Negotiating Power

Long Term Planning

Access to Discounted Rates

We do the legwork

Government licensed

We're Free!

We work with all top lenders

As a Mortgage Alliance agent, we work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation

We work with your goals

A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.

You benefit by our volume

Mortgage Alliance is Canada’s mortgage company with thousands of agents sending thousands of mortgages to banks and lenders. Since we provide perfectly packaged mortgage files, lenders save money on advertising and staffing and usually provide lower rates to ready-to-approve mortgages.

We do all the paperwork and negotiating

Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.

Licensed and tested for your protection

Ontario mortgage brokers and agents are licensed by the Financial Services Commission of Ontario and require regular testing and oversight to ensure we’re working in your best interests to protect your privacy and provide the mortgage that suits your needs.

Our services are usually free

We offer legally unbiased and helpful mortgage advice for free. When we find you a better mortgage than you can find by yourself then we’re paid a commission from the lender. Only when clients have challenging credit or a very complicated mortgage will there be a fee involved and that’s always disclosed very early in the process.

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What Clients Say

Durham Mortgage Broker Serving Ontario

My name is Steve White and I’m a licensed mortgage agent with Mortgage Alliance – your Durham Mortgage Broker.

I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.

As a Durham Mortgage Broker, I work with over 60 mortgage lenders, including your own bank. We’re able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation

 A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.
 
Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.

With interest rates at an all-time low, now is the ideal time to review your current mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.

Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.

Contact me to help find a solution to mounting debts before they damage your credit for years. I can help avoid power of sale, reduce your debt payments or find temporary funds to ease the pressure.

Before you head out shopping for your dream home, let me ensure you’re in the best possible financial position to make an offer.

Apply for a mortgage here – Mortgage Broker Application