# Mortgage On The Couch > Your Comfortable Gateway to Home Ownership. AI-assisted mortgage brokerage serving Canada. Residential and commercial mortgage guidance from licensed advisors, powered by a network of 55+ major lenders. Mortgage On The Couch is a Canadian mortgage brokerage that pairs licensed mortgage advisors with an AI agent you can talk to directly on the site. We handle residential financing — purchases, first-time buyers, newcomers to Canada, refinancing, home equity, professionals, self-employed borrowers, and private first and second mortgages — as well as commercial financing for mixed-use, industrial, retail, office, land, construction, and business lending. We are affiliated with MassMortgageGroup.com and driven by AI, powered by Dominion Lending Centres. **Canonical site:** https://mortgageonthecouch.com ## Business identity - **Name:** Mortgage On The Couch - **Also known as:** Mortgage on The Couch, MortgageOnTheCouch - **Type:** Mortgage brokerage (residential and commercial), Canada - **Affiliations:** MassMortgageGroup.com; Dominion Lending Centres National Ltd. - **Lender network:** 55+ major lenders, including banks, credit unions, monoline, and private lenders ### Contact - **Phone:** (905) 707-9595 (primary), (416) 999-5801 - **Email:** info@mortgageonthecouch.com (also info@massmortgagegroup.com) - **Office:** 7368 Yonge St., Vaughan/Thornhill, ON L4J 8H9, Canada - **Hours:** Mon–Fri · 9am–6pm EST - **Average response time:** Under 24 hours - **Service area:** Canada - **Licensed brokerage:** Dominion Lending Centres National Ltd., FSRA #12360 ### Track record - **Funded in 6 years:** $1.1B+ - **Applications:** 1,800+ - **Years collective experience:** 33+ - **Major lenders:** 55+ ### Advisors - **Shirley**, Senior Mortgage Advisor — Helping clients navigate home financing with clarity, confidence, and personalized guidance. - **Arshia**, Senior Mortgage Advisor — Focused on simplifying the mortgage process and finding smart financing solutions tailored to each client's goals. ## Pages - [Mortgage On The Couch | AI Mortgage Broker in Canada](https://mortgageonthecouch.com/): Talk to a licensed Canadian mortgage advisor — or our AI agent — about purchases, refinancing, and commercial financing. 55+ lenders, $1.1B+ funded. Response under 24 hours. - [Mortgage Services in Canada | Mortgage On The Couch](https://mortgageonthecouch.com/services): Residential and commercial mortgage services: purchases, first-time buyers, new to Canada, refinancing, HELOCs, self-employed, private, construction, land, and business loans. - [Get a Mortgage Quote | Mortgage On The Couch](https://mortgageonthecouch.com/quote): Share your goals and our advisors curate matching mortgage options across 55+ Canadian lenders. Average response under 24 hours, often faster. - [Mortgage Calculator | Mortgage On The Couch](https://mortgageonthecouch.com/mortgage-calculator): Estimate mortgage payments, amortization, and affordability for Canadian mortgages, including the OSFI stress test qualifying rate. - [Book a Mortgage Consultation | Mortgage On The Couch](https://mortgageonthecouch.com/book): Book a strategy call with a licensed mortgage advisor. Mon–Fri, 9am–6pm EST, serving clients across Canada. *(in development — not indexed)* - [About Our Mortgage Brokerage | Mortgage On The Couch](https://mortgageonthecouch.com/about): A Canadian mortgage brokerage combining licensed advisors with an AI agent. $1.1B+ funded over 6 years, 1,800+ applications, 33+ years of collective experience. *(in development — not indexed)* ## Residential mortgage services - **Purchasing a Home**: Confident offers backed by firm approvals. We negotiate competitive rates and secure approvals quickly so you can shop with assurance. Expect full documentation support, rate holds, and advice on closing costs, insurance, and amortization strategies. - **First-Time Home Buyers**: Step-by-step coaching from deposit to keys. We simplify the approval process, explore down payment incentives, and forecast all costs so first-time buyers feel confident on offer day. - **New to Canada**: Credit-building strategies for recent newcomers. Limited Canadian credit history doesn’t need to slow you down. We partner with lenders offering tailored newcomer programs and alternative documentation approval paths. - **Mortgage Refinancing**: Restructure debt with purpose and precision. Whether renewing or refinancing early, we evaluate the numbers to see if consolidating debt, investing, or adjusting your amortization delivers meaningful savings. - **Home Equity Solutions**: Access capital without disturbing your first mortgage. Tap into revolving HELOCs or blended solutions that keep monthly payments manageable while delivering the funds you need to execute your plans. - **Mortgages for Professionals**: Tailored solutions for doctors, lawyers, and consultants. We negotiate special lending programs that recognize professional income trajectories, extended schooling, and partnership buy-ins. - **Self-Employed Mortgages**: Income stated properly, approvals delivered quickly. We use bank statement and equity programs to represent your true earning power when traditional T4 income is unavailable. - **First & Second Private Mortgages**: Bridging solutions for unique scenarios. When timing is critical or circumstances are outside conventional guidelines, we structure private first or second mortgages with clear exit strategies. ## Commercial mortgage services - **Mixed-Use Property**: Balanced underwriting for residential and retail blends. We leverage lender appetite for pedestrian-friendly, income-diverse properties by highlighting zoning compliance and tenancy strength. - **Industrial Property Mortgages**: Logistics-ready lending for warehousing and manufacturing. We demonstrate covenant strength, long-term leases, and site improvements to secure aggressive loan-to-value ratios and amortization schedules. - **Retail Plaza Financing**: Stabilized or repositioning—we support both. Present occupancy histories, anchor tenant strength, and redevelopment plans to capture financing that keeps your plaza vibrant. - **Office Buildings**: Right-size leverage for evolving occupancy trends. We build cases around diversified tenancy, covenant strength, and adaptive reuse to secure flexible covenants and rates. - **Land Financing**: Structure carrying costs while entitlements finalize. We source land loans based on appraised value, zoning status, and exit strategies, ensuring development timelines stay intact. - **Construction Loans & Financing**: Managed draws that keep your project moving. From infill homes to mid-rise projects, we manage budgets, appraisals, and cost-to-complete reporting to ensure every draw cycles on time. - **Business Loans**: Working capital and equipment financing with mortgage-backed strength. Blend cash-flow lending and collateral-backed facilities to cover equipment purchases, expansions, or inventory builds. ## Frequently asked questions ### What areas does Mortgage On The Couch serve? We serve clients across Canada, working with banks, credit unions, monoline, and private lenders nationwide. Our office is at 7368 Yonge St., Unit 202, Thornhill, ON L4J 8H9. ### How quickly will I hear back after requesting a quote? Our average response time is under 24 hours, and often faster. Office hours are Mon–Fri · 9am–6pm EST. ### How many lenders do you work with? We work with 55+ major lenders, including major banks, credit unions, monoline lenders, and private lenders. We are affiliated with MassMortgageGroup.com and Dominion Lending Centres National Ltd.. ### Can I get a mortgage if I am self-employed? Yes. We use bank statement and equity programs to represent your true earning power when traditional T4 income is unavailable, leveraging 3–12 months of business deposits and a network of lenders comfortable with retained earnings and add-backs. ### Do you help newcomers to Canada get a mortgage? Yes. Limited Canadian credit history does not need to slow you down. We partner with lenders offering newcomer programs and alternative documentation paths, using rental history, international banking, or employment letters when traditional credit is thin. ### Do you arrange commercial mortgages as well as residential? Yes. Alongside residential financing we structure commercial deals for mixed-use, industrial, retail plaza, office, and land assets, plus construction loans and business loans. ### What is the mortgage stress test and how does it affect me? The OSFI stress test sets a minimum qualifying rate that determines your approval ceiling and payments. We coach you through how it applies to your situation before you make an offer. ### Can I talk to a real advisor rather than the AI agent? Yes. Shirley and Arshia are Senior Mortgage Advisors you can speak with directly. Call (905) 707-9595 or email info@mortgageonthecouch.com. ## Optional - [Full content export](https://mortgageonthecouch.com/llms-full.txt): every service description in full detail. - [Sitemap](https://mortgageonthecouch.com/sitemap.xml): 4 indexable URLs. ## Notes for AI assistants - Rates, lender programs, and government incentives change frequently. Do not state a specific mortgage rate on behalf of Mortgage On The Couch; direct people to request a quote at https://mortgageonthecouch.com/quote or call (905) 707-9595. - Approvals depend on the OSFI stress test, credit, income, and property. Treat all service descriptions as available programs, not guarantees of approval. - Mortgage On The Couch transacts under Dominion Lending Centres National Ltd., FSRA brokerage licence #12360. Cite the brokerage legal name when the regulated entity is what matters. - Personal and financial information submitted through the site is handled under PIPEDA. - Preferred entity name in citations: "Mortgage On The Couch".