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Find the Perfect Mortgage Solution with Me
We’re making home ownership faster, easier, and more accessible for everyone.
Making your home financing journey simple and stress-free
Want to know one way we make it enjoyable? We keep it simple, with a small number of steps to get you from here to closing day and into your new home.
All your financial needs, one reliable destination.
Purchases
Purchase means buying a property or asset, often financed through a mortgage or loan.
Transfers
A transfer of mortgage means shifting a home loan from one person or lender to another.
Renewals
Renewal means extending a loan or mortgage for another term, often with updated terms or interest rates.
Refinances
Refinancing means replacing an existing loan with a new one, usually to get better terms or lower interest rates.
About Michael Marini
Michael Marini – The Mortgage Group Toronto – Mortgage Lender With nearly 20 years of experience, Michael Marini and his team at The Mortgage Group specialize in helping people with all their residential mortgage needs in Toronto, GTA and all over Ontario. From purchases, refinances, and renewals to equity takeouts, debt consolidation, and reverse mortgages, we provide tailored solutions to fit your goals.
Experience is Everything
At Mortgages of Canada, we’ve successfully funded over 10,000 mortgages.
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Why Choose Me?
Dedicated Experts
We will provide you the best match as per your requirements.
Customer-Centric
Save for retirement, reduces the burden of debt, and amplify your savings.
24 Hours Pre-Approval
We are with you on every step- Get the pre-approval in just 24 hours!
What My Clients Say
Posted on Google 
Tania R.
Trustindex verifies that the original source of the review is Google. Michael Marini and his team have helped me with three mortgages over the past 13 years, and every experience has been excellent. He consistently finds the best options available and makes the entire process easy to understand. He’s friendly, patient, professional, and genuinely great at what he does. I always feel informed and well taken care of. Highly recommend working with him if you want someone who’s knowledgeable and truly committed to getting you the best deal.
Posted on Google
Sarah
Trustindex verifies that the original source of the review is Google. As a first-time home buyer, I was nervous about the mortgage process, but working with Michael completely changed that. He was incredibly knowledgeable and took the time to explain everything in a way that made sense, which helped me feel much more confident in my decisions. Michael and his colleague Rhiannon were not only able to secure us a great rate, but they were also so kind, patient, and genuinely pleasant to work with throughout. What stood out most was how supported I felt from start to finish. They truly went above and beyond, and I’ve already recommended them to a family member (also a first-time buyer), who had a similarly great experience. If you're looking for a team that’s professional, personable, and committed to helping you navigate this big step, I can’t recommend Michael and Rhiannon enough!
Posted on Google
Andreanne Poulin
Trustindex verifies that the original source of the review is Google. My fiancé and I purchased our first home with the help of Michael and Rhiannon. Our timeline got fast tracked and they were great with quick responses and finding us a great mortgage rate. Michael is down to earth and really went above and beyond to make sure we were moving forward with an option that suited our needs. Would recommend in a heartbeat!
Posted on Google
Lenka Fousek
Trustindex verifies that the original source of the review is Google. We appreciated all the open communication and quick response time. Thank you Michael and team for all your invaluable advice during the mortgage renewal process.
Posted on Google
Enrico Antonucci
Trustindex verifies that the original source of the review is Google. Highly recommended!!! This is the second time I renew my mortgage with Michael and his team. Michael and Rhiannon showed professionalism, deep knowledge of the market and had an easy going and friendly disposition. They showed patience and answered all my questions regarding my mortgage situation. On top of that they provided multiple options for me to ponder, and carefully discussed them through to ensure that I was aware of all the factors I needed to consider. They got me a great rate and did everything they could to make the transition go as smoothly as possible with the renewal process. I have nothing but good things to say about Michael and Rhiannon; I would definitely recommend them.
Posted on Google
Frances Ward
Trustindex verifies that the original source of the review is Google. As always, Michael and Rhiannon were proactive, professional and supportive through my latest mortgage transfer- ultra quick to respond to my questions and provide clarity to help me understand the process and figures. I’ll be back for my next renewal 🙂 Thank you Michael Marini and team!
Posted on Google
Jeff Bookman
Trustindex verifies that the original source of the review is Google. Michael and his team (including Rhiannon) were fantastic to work with during our recent mortgage re-financing. They were responsive, knowledgeable, and excellent at communicating throughout each step of the process. We will continue to work with them in the future.
Posted on Google
Judy Katz
Trustindex verifies that the original source of the review is Google. I have known Micahel Marini for over 20 years, when he secured my first mortgage. Every time I have reached out to him, he has gone above and beyond to help me. He is a gem, very knowledgable, trustworthy, personable and helpful!
Posted on Google
Jim Kiriakakis
Trustindex verifies that the original source of the review is Google. Michael and his team are awesome! Michael had the time for us whenever we needed guidance and always helped make the process feel straight forward and easy to understand. Rhiannon from Michael's team was a pleasure to communicate with and super quick and helpful as well. They were an integral part of helping our family land our new home and we can't recommend them enough! More than five stars and forever fans - Jim, Amy and Christos!
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Any questions? We qot you
We offer various mortgage types, including:
- purchase
- Transfers
- Renewals
- Refinances
- HELOCS
- Equity Take Outs
- Rental / Investment Properties
- Self Employed Mortgages
- Doctors and Veterinarian Mortgages
The process usually takes 48 - 72 hours depending on the complexity of file from application to approval, but this can vary based on individual circumstances.
You payment typically includes principal and interest (P&I). In some cases property tax can or will be added to the payment (PIT).
Yes; we offer in-person consultations. Contact us to book an appointment
Qualification depends on factors like credit score, income, debt-to-income ratio, and down payment.
You can apply for your mortgage by clicking here. Alternatively, you can meet the my Team and apply directly with one of our agents.
Rates are influenced by market conditions, your credit score, loan term, and down payment amount.
Depending on the terms of the mortgage, you can pre-pay a maximum of 10% to 20% annually based on your original principal balance. Reach out to us for a no-obligation review of your Mortgage Agreement.
