Toronto Tech Edition
Your mortgage should be just as smart.
Powered by Canada’s largest mortgage brokerage network.
Work in Tech in Toronto? So Do We.
Whether you’re building code in Liberty Village, launching a startup in King West, or scaling a team near the Financial District—your career moves fast, and traditional lenders often can’t keep up.
🎯 We specialize in flexible, high-performance mortgage solutions for tech professionals—whether you’re a salaried employee, contractor, or earning non-traditional income. As part of Canada’s #1 mortgage brokerage network, we provide elite access to 50+ lenders, advanced approval technology, and fast, personalized service built for the way you work.
Toronto’s Tech Leaders Are Shaping the Future—Your Mortgage Should Keep Up.
🥇 Join Our Team!
Work with Canada’s #1 Mortgage Brokerage—Built for People Who Think in Code.
✔ Compare 50+ lenders
✔ Institutional-grade access
✔ No pressure, just precision
We work with every major lender in Canada—ranked #1 by all top lenders—but we don’t work for them. We work for you.
We Fund More Mortgages Every Day Than Any Bank or Financial Institution in Canada.
That scale gets you access to better rates, smarter structures, and programs you won’t find anywhere else. 🔓 Unlock Elite Access.
Your Mortgage, Built Like Your Tech Stack—Clean, Efficient, Optimized.
<h3>Step 1: You Apply</h3> We keep it simple with the best human-tech combo in the industry.
<h3>Step 2: We Compare Over 50 Lenders</h3> We’re unbiased. We show you the best deal—backed by real-time data.
<h3>Step 3: You Get a Smart Strategy</h3> Fixed, variable, hybrid, equity-backed—we recommend what fits *you* best.
⏰ GTA Tech Pros Get Priority Access
Right now, we’re offering exclusive access to tech professionals in the GTA
🔓 Unlock Elite Access
Trusted and Recognized by the Best.
You’re getting institutional-grade tools and personalized, human-first service. The best kind.
Let’s Make This Easy.
You work in tech. You value performance, precision, and clarity.
We bring all three—plus experience, empathy, and elite lender access.
📩 Get My Mortgage Plan
Mortgage Solutions Tailored for Tech Professionals in the GTA
💡 Did You Know?
The Greater Toronto Area is home to nearly 300,000 technology professionals—and the number is growing rapidly. From software engineers and product managers to data scientists and AI researchers, tech workers like you are leading the future of Canada’s innovation economy.
But here’s the problem: traditional mortgage lenders often can’t keep up and need underwriting support from licensed mortgage specialists, like us!. Contract roles, startup income, RSUs, stock options, crypto earnings, and remote work don’t always fit the standard underwriting models. As a result, even highly qualified tech professionals can find themselves facing frustrating roadblocks and time-consuming applications.
That’s where we come in. As part of Mortgage Architects and Dominion Lending Centres Group (TSX: DLCG), you’re working with Canada’s #1 mortgage brokerage network—a powerhouse that funded over 140,000 mortgages totaling $62 billion last year. We combine national reach with GTA-based service, offering advanced digital tools and lending expertise specifically tailored to professionals like you.
✅ We work with all of Canada’s top lenders. We work for you.
✅ We understand tech income—contract roles, equity comp, and beyond
✅ We move fast and with precision, saving you time
You work in a high-performance industry. So do we. Let’s make your mortgage just as smart as your career.
🔓 Unlock Elite Access
Fun Facts About Mortgage Architects & Dominion Lending Centres
A Decade of Strength – Mortgage Architects (MA) was acquired 10 years ago by Dominion Lending Centres Group (TSX: DLCG), the largest mortgage brokerage network in Canada and the #1-ranked mortgage originator with all of the country’s top 10 lenders.
A Trusted Brand – As a prominent brokerage within DLCG, Mortgage Architects has built a reputation for expert guidance, exclusive lender access, and top-tier mortgage solutions.
A True Juggernaut – Founded in 2006, DLCG boasts 8,500+ mortgage professionals across 500+ locations nationwide, funding $62 billion in mortgages annually—a powerhouse in Canadian home financing.
Tech-Driven Excellence – DLCG’s fintech platform, Velocity, revolutionizes the mortgage process by streamlining approvals, making home financing faster, smarter, and easier for Canadians.
More Choices, Better Rates – Our exclusive relationships with major banks, credit unions, and alternative lenders give you access to the best mortgage options tailored to your needs.
A Company That Gives Back – DLCG and Mortgage Architects support local communities across Canada, promoting financial literacy and helping families achieve homeownership.
Our experience and exclusive status work for YOU!
Our Simple, Expert-Guided 4-Step Mortgage Application Process
1️⃣ Get Started: Free Consultation—Contact Us!
2️⃣ Personalized Mortgage Strategy
3️⃣ Pre-Approval & Online Application
4️⃣ Lender Review and Approval
Essential Documents for a Smooth Mortgage Process
Providing all the required documents upfront ensures a smooth and efficient mortgage process. Below is a list of items we may require, depending on your specific situation:
✅ Property Details
To ensure a seamless mortgage application, we may need the following property-related details:
• Agreement of Purchase and Sale
• MLS Listing (if applicable)
• Contact information for your lawyer (name, address, phone, and email)
✅ Personal Identification
• Two pieces of government-issued ID for all applicants
✅ Income and Employment Verification
• Recent pay stub(s)
• Letter of employment (on company letterhead, stating salary, position, and length of employment)
• T4(s) and Notice of Assessment(s) (NOAs) for the last two years (for self-employed applicants)
✅ Down Payment & Financial Information
• Proof of down payment (90-day history of savings/investments)
• Gift letter (if applicable) along with supporting bank statement
• Void cheque or pre-authorized payment form
• Copy of home insurance policy
Additional Requirements: Depending on the property and lender, an appraisal may be required.
What You Can Expect from Us:
At Mortgage Architects, we are committed to understanding your needs today while helping you achieve your long-term financial goals. Our team works diligently to match you with the right mortgage solution. With access to over 50 lending institutions—including major banks, credit unions, and exclusive alternative lenders available only through licensed mortgage agents—we secure the best financing options tailored to your unique situation.
Our Commitment to You:
• We simplify the mortgage process and provide clear guidance every step of the way.
• We advocate on your behalf to get the best possible mortgage terms.
• We stay connected even after your mortgage closes, providing ongoing advice as your financial needs evolve.
Frequently Asked Questions
1️⃣ I work in tech, but my income isn’t “traditional.” Can I still qualify?
✅ Answer: Absolutely. Whether you’re salaried, on contract, paid in USD, or earning through RSUs or equity, we work with lenders who understand tech compensation structures and can qualify you based on your full financial picture—not just what’s on your last pay stub.
2️⃣ What if I’m a startup founder or self-employed?
✅ Answer: Startup founders often face outdated qualification models from banks. We offer alternative income programs that recognize your ownership position, investor backing, or business performance—not just your T1 income. Whether you take dividends, salary, or deferred comp, we’ll match you with the right lender.
3️⃣ I’m a first-time buyer working in tech. What should I know?
✅ Answer: First-time buyers in tech often have strong income and credit but face challenges with down payment strategy or income qualification. We’ll guide you through options like insured mortgages, 30-year amortization, and first-time buyer incentives—plus help navigate any bonus or equity-based income.
4️⃣ Can I use RSUs, stock options, or equity as income?
✅ Answer: In many cases, yes. Some lenders allow us to count vested RSUs, equity grants, and even stock sale proceeds as part of your income or down payment. We’ll structure your application to maximize your eligibility while aligning with lender guidelines.
5️⃣ I’m on a short-term or renewable tech contract. Is that a problem?
✅ Answer: Not at all. Many lenders qualify tech professionals based on current contract terms and industry track record. If you’ve had consistent contracts or time in your role, we can build a strong case—even if your role is remote or temporary.
6️⃣ Can I qualify if I earn in USD or from international sources?
✅ Answer: Yes. We work with lenders who accept foreign income, U.S. compensation, and remote employment—especially in tech. We’ll document your income appropriately and match you with lenders comfortable with global pay structures.
7️⃣ How fast can I get approved?
✅ Answer: Our process is fast and tech-enabled. Once we review your documents, many lenders offer pre-approvals within 24–48 hours. You’ll get expert guidance and clear answers—no guesswork.
8️⃣ What if I have crypto income or digital assets?
✅ Answer: We can help structure your file for the best possible outcome.
9️⃣ What are today’s mortgage rates for tech professionals?
✅ Answer: Mortgage rates change daily and depend on your credit, income structure, and down payment. We’ll shop the market across 50+ lenders to get you the best rate for your unique profile—whether salaried, contract, or equity-compensated.
🔟 Do I have to pay to work with you?
✅ Answer: In most cases, our services are free—we’re paid by the lender when your mortgage is funded. You get expert guidance, full market access, and personalized strategy—at no cost to you.
Technology Professionals: Your income is complex—your mortgage shouldn’t be. We are an award-winning mortgage team in the GTA that gets tech.
Let’s get you home—without the friction.
Matthew Dobson #M24003077
Mortgage Agent Level 1
Mortgage Architects #12728
c: 416-342-3952
e: md@mortgagearchitectsgta.ca
MA Mortgage Architects Inc.
5675 Whittle Road
Mississauga, ON L4Z 3P6