A simpler way to
buy a home or refinance.

As a dedicated mortgage professional, I can make your next mortgage transaction simple and pain free. Ready to get started? Contact me today.

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Julie Toh, Mortgage Broker

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Meet Julie

Hi, my name is Julie Toh. As an independent mortgage expert, I work for you, not the banks.

MortgagePal is a leading independent Canadian online mortgage brokerage in Canada. For over a decade, we've been providing residential and commercial financing to thousands of clients each year, offering seamless mortgage solutions for your financing needs. Our high volume of business allows us to obtain preferred rates for our clients.


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It's been a great pleasure working with Julie. She recently helped me to make a big step forward in my real estate journey and helped to acquire two investment properties. She is not only an amazing mortgage professional who helped me to get funding for my deal but she also provided priceless education. I'm recommending Julie to anyone, from professional real estate investors to first-time home buyers, and you will not regret it!

T. Badalyan

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Julie went above and beyond my expectations when helping us get a mortgage! Being self employed, it can be difficult to get a loan, but Julie was able to help us get approved quickly with a great lender. Great communication and the process was easy. I would highly recommend her and MortgagePal!

R. Magdanz

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We worked with Julie Toh from MortgagePal. Julie was exceptional in providing professional and timely services. She was able to get us competitive mortgage rates and questions were encouraged with Julie. She was very responsive and easily accessible. Working with Julie made our mortgage experience a lot more stress free! Highly recommend Julie's service!

J. Fwu

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Lender Access

With access to dozens of unique lenders, including several big banks and credit unions, you can rest assured I can help you secure the best mortgage possible.

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Secure Application

The privacy and security of your personal data is my highest priority. My website and online application is secured by the same encryption used by institutional banks.

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Trusted Advice

A home is quite likely the biggest investment you'll make. How you finance that investment is equally important. My focus is exclusively on mortgages, and nothing else.

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Flexible Schedule

Real estate transactions can move fast, so you need a mortgage expert that can move equally fast. I'm available when you need me, including evenings and weekends.

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Great Rates

The mortgage industry is fast paced. I've built strong relationships with lenders and connect with them regularly to make sure my clients always get the best offers.

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Quick Approval

Sometimes, speed can make or break a real estate deal. That's why I've honed my skills to make sure I can offer you fast, efficient service whenever you're ready.

Mortgage Rates

Contact me for special promos such as Cash Back and Interest-Free for Three Months.

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Say Hello

I’d love to hear from you! Phone me at 778-855-5085, write me an email at julie.toh@mortgagepal.ca or use the form below.

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