Plan around a set payment.
A fixed rate stays the same during the mortgage term. Review prepayment privileges, portability and early-break penalties.
Vaughan + GTA · Ontario mortgage guidance
Move with confidence.
Start with a clear plan.
Buying a home? Understand your budget, your options and what lenders need—before you make your move.
Explore your options · No credit check on this site
Free initial consultation · No obligation
Licensed guidance.Paul Malandrino · Mortgage Agent Level 2
Live AI support.General answers, then a direct conversation
40+ lenders.Through the 8Twelve brokerage network
Clear costs.Review payments, fees and conditions
Start with what matters
Where are you heading?
Choose your goal. See what to prepare. Speak directly with the person handling your mortgage enquiry.
Private & alternative mortgages
A complex file deserves
a clear strategy.
Explore private lending for equity-based financing, a time-sensitive need or a more complex income picture. Paul reviews the property, borrowing purpose, costs and a realistic repayment or exit plan.
Private mortgages may involve higher rates, lender and broker fees, shorter terms and renewal risk. Availability depends on the property, equity, borrower circumstances and lender criteria. Approval is not guaranteed.
Start a private lending conversationWhatsApp about private lending →Call 416-891-8684
Access to 40+ lenders through the overall brokerage network. Private lender availability varies by file.
8Twelve mortgage rates
Your rate matters.
So do the terms.
Visit Paul’s personalized 8Twelve page to review available rate information, then speak with Paul about the rate, payment and conditions that apply to your situation.
Understand how changes affect you.
A variable rate can move with the lender’s prime rate. Payment behaviour and borrowing costs depend on the product.
Rates are published by 8Twelve and may change without notice. Advertised rates may apply to specific insured/high-ratio products. Your rate depends on qualification, province, property, mortgage purpose, loan-to-value, term, amortization and lender conditions. A posted rate is not an approval or commitment to lend. The calculator’s editable rate is an illustration, not a live rate feed.
See the numbers
A little clarity.
A more confident move.
Explore how your mortgage amount, interest rate and amortization affect an estimated monthly payment.
01
Adjust the numbers to fit your plans.
02
Use the estimate as a conversation starter.
03
View Paul’s current 8Twelve rates →Ask Paul to review lender fit and the total cost.
What could your payment look like?
Estimated monthly payment
Compare monthly paymentsSame amount & rate
Your selected amortization
Move the sliders to compare estimates. Longer amortization generally reduces the payment and increases total interest if the rate stays the same. This chart compares amortizations, not guaranteed mortgage terms.
Illustration only, using Canadian semi-annual compounding for a fixed rate. The rate is a user-editable example, not an offer. Excludes insurance premiums, property taxes and fees. Eligibility and actual payments depend on lender terms.
A solution starts with your situation
More options.
One place to start.
From your first home to a more complex file, explore the path that fits your plans.
From conversation to closing
A clear process.
No guessing what comes next.
01
Get clear.
Discuss your goals, timing and financial picture. Learn which documents will help move the review forward.
02
Compare with purpose.
Review potential lenders, payments, conditions and costs with Paul. Understand the tradeoffs before deciding.
03
Move with a plan.
Complete the application and lender conditions. Paul guides the financing process through to funding.
Your mortgage. A personal connection.
Your questions.
One direct contact.
Paul helps buyers, homeowners and business owners across Vaughan, York Region and the GTA understand their financing options. Start with your situation, review the numbers and work through the lender conditions with a licensed mortgage professional.
Paul MalandrinoMortgage Agent Level 2 · FSRA #M25000307
8Twelve Mortgage Corporation · FSRA #13072
8Twelve Mortgage Corporation · FSRA #13072
Good questions. Clear answers.
Is a pre-approval a final approval?
No. A pre-approval helps establish a potential budget. Final approval depends on lender review, the property and all required conditions. Speak with Paul before making an offer without a financing condition.
What if I’m self-employed?
Income review varies by lender and program. Paul can discuss your business history and documentation, including tax returns, notices of assessment and business statements where required.
Should I sign my renewal offer?
Review the rate, payment, penalties, flexibility and switching costs before deciding. Share your maturity date and renewal offer with Paul to begin a comparison.
Are there fees?
The initial consultation is free. Fees may apply to alternative, private or other financing arrangements. Applicable fees and terms must be disclosed before you commit.
Let’s make the next step clear
Your next move starts
with a clear conversation.
Tell Paul what you’re planning. Build your next step together.
Start my application →