Matrix Mortgage Global - Jermaine Hinds at Scarborough and the GTA


Matrix Mortgage Global - Jermaine Hinds at Scarborough and the GTA
Jermaine Hinds Canada's 5X Broker Of The Year from 2018 to 2022

Canada’s Mortgage Broker

Hey, I’m Jermaine Hinds. My team and I believe that every customer deserves the best care and service when purchasing a house or refinancing their mortgage. We’re here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.

At Matrix Mortgage Global, we do mortgages Canada-wide!


You’ll gain access to products from multiple lenders of different shapes and sizes just like me. So chances are I have the right product for you as a one-stop-shop.


You can sleep at night because I make sure your mortgage financing process is seamless. I’m a licensed and regulated financial professional who can save you time, fees, and hassle.


You will have step-by-step guidance for me and my team on how to organize all of your documents, credit history, and verifiable income and employment in order to help you find loans quickly.



Jermaine has built his reputation around helping people and getting them mortgage financing that fits their situations for the long-term. He believes that there is no cookie-cutter approach for people when it comes to their mortgage. For Jermaine, everyone deserves an individualized solution. His knowledge and expertise will help you achieve your long-term goals.

While mortgage brokers have various specialties, there are certain traits that all trustworthy certified mortgage brokers have in common. Choose me and my team because we have the traits and experience working with a variety of clients and handle various clients’ finances successfully.

Mortgage Broker


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Ask Jermaine For Your Mortgage Refinancing Options
Jermaine Hinds Signature for Mortgage Refinancing Options

Mortgage Broker

Finding the best mortgage in Scarborough is easier to do when you work with a licensed mortgage broker.

  • Ask me about 100% pre-construction financing.
  • Ask me about 100% rental income qualification to offset your debt-to-income ratio.
  • Ask me about a 40-year amortization mortgage.
  • Ask me about an interest-only mortgage.
  • Ask me about private mortgages.

When you work with a licensed mortgage broker who understands the Scarborough area, you are benefiting from an unfair advantage because the local knowledge can come in handy when you need some exceptions from the lenders to have your mortgage approved.

I will work for you, not the banks.  I will pour over all the solutions possible and match you with the best mortgage loans for you to choose. This includes finding the best mortgage rate, debt consolidation, mortgage refinance, and private mortgage options in Scarborough.


Apply Now For Instant Approval

Apply Now For Instant Approval

Debt Consolidation in Canada

Debt consolidation allows you to consolidate your high-interest debt and the other secured or unsecured debts into one mortgage loan at a much lower interest rate.  As a result, you are saving money by paying less interest over time for the same debt amount.  Over time you will also be able to become debt-free faster because of debt consolidation.

Debt consolidation can also save you from the irreversible consequences of declaring bankruptcy and insolvency.  If you were to declare bankrupt, it stays on record in your credit history in Canada for at least seven years long.  It is the ultimate last resort that you want to avoid as best as you can.

Debt consolidation is an option for homeowners who have equity in their house and real estate properties.  Homeowners can take out some of the equity in their real estate properties and use it to consolidate the various debts into one mortgage loan at a lower interest rate.

Finally, debt consolidation is a big help to eliminate multiple debts and simplify your monthly payments into one recurring payment.  You save yourself from the burden of dealing with multiple creditors and the different payment due dates.

Banks, credit unions, and private lenders offer debt consolidation options.  Work with a mortgage broker to research through the different options and match one that is most favourable to your financial situation and plan.

Debt consolidation

home equity loan

Mortgage Rate in Canada

Mortgages are the biggest investment that most Canadians will make. It is important to shop around because you must make sure you are getting the best mortgage rate and term for your needs. Banks can be the best place to get a mortgage in most cases, but they are not always the best option for everyone. Mortgage brokers are licensed to be an intermediary to multiple banks, credit unions, and private lenders, which give you the freedom to qualify for the best mortgage rate and terms.  At the end of the day, working with a mortgage broker means you have a professional who is working for you, instead of the lenders.


Mortgage rate shopping

The first step in finding the best mortgage rate is to understand the different types of mortgage rates that you can qualify for.  There are options for Fixed mortgage rate vs. Variable mortgage rate.  Another variable to consider is whether you are looking for a 1-year, 3-year, 5-year, or 10-year mortgage rate.  These are discussion points that you need to have with your mortgage broker so you can qualify for the best mortgage rate.  Working with the right mortgage broker means you will have a licensed professional who can provide you with an analysis on why a certain mortgage product is better than the other.  You want to be fully informed when choosing the mortgage rate that is right for you.


Variable rate mortgages

Another variable to consider when shopping for a mortgage rate is to consider whether you need a Closed mortgage rate or an Open mortgage rate.  Choosing the right mortgage rate is important because each type of mortgage rate has a different pre-payment penalty amount should you decide to break the mortgage contract before the mortgage maturity date.

An Open mortgage rate is almost always higher than the Closed mortgage rate.  However, an Open mortgage gives you the flexibility to pay it off fully at any time without any pre-payment penalty amount payable to the mortgage lender.

Finally, you want to make sure that you are getting pre-approved on the mortgage rate. A mortgage rate pre-approval locks in the mortgage rate so you are protected from rising mortgage rates and benefiting from the lower rate if it drops before your mortgage funding date.


mortgage pre approval

A mortgage pre-approval is necessary because it includes the information about how much mortgage loan you can qualify for based on the information you have provided to the lender.  Each lender will have different lending criteria and tolerance to risks, therefore, you can expect to have different pre-approval mortgage loan amounts from different lenders.  This is another example of why it is better to work with a mortgage broker who will do the research for you.

Mortgage rate shopping


Variable rate mortgages



mortgage pre approval


Mortgage Refinance in Canada

One of my clients saved about $1,000 a year through mortgage refinancing. He is on his way to create generational wealth by weaponizing his debt for rental income. If you’ve been thinking about refinancing but don’t know where to start, asking a mortgage broker is the best place to start.

mortgage refinancing

These are the six easy steps to mortgage refinancing:

Private Mortgage in Canada

Private mortgages can do good.  They can be lifesavers to get you out of a pinch that could bring you down to bankruptcy.  Private mortgages continue to require some due diligence to qualify just like mortgages from banks and credit unions, and they are regulated by the government.

These private mortgages are NOT the same as payday loans.

Private mortgages can be helpful to borrowers who have poor credit scores or those with a history of bankruptcy in the past.

Accessing the best private mortgage is a specialty of Matrix Mortgage Global who has access to at least 100+ lenders who are regulated and in compliance with the legal authorities.

Private mortgages have flexible lending guidelines that are more tolerant to your financial situation compared to banks and credit unions. They are more personal and understanding than the larger institutions.

When you work with a mortgage broker at Matrix Mortgage Global, like me, you gain access to hundreds of private mortgages, and those from Schedule 1 Banks, and credit unions.  You can finally experience a one-stop shop for all your mortgage and real estate investment needs.



Getting a mortgage can be stressful and time-consuming, especially if you don’t know which product is applicable to you.

I am a licensed mortgage broker serving Toronto and the neighbourhoods. When you work with me, you are working with a mortgage broker that has won multiple awards as Canada’s 4X Broker Of The Year from 2018 to 2021 (Matrix Mortgage Global Lic. #11108).  This means you are gaining access to specialized products that are not available to most other mortgage brokers and I can find the mortgage loan that is perfect for your needs.

Let’s also not forget that I can help you get the best rate possible on your next mortgage.

First -Time Home Buyers Mortgage

First Time Home Buyer in Canada with Jermaine Hinds, Mortgage Broker

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. We’ll give you the facts your bank won’t tell you about financing your next purchase.

With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home.

Our best advice? Begin a conversation with a mortgage professional in your area.

There is a range of first-time homebuyer programs that aim to make it easier to buy your first home in Canada such as the Home Buyer’s Plan, you may borrow up to $35,000 tax-free to fund your down payment.

Let’s chat as there are more I can walk through with you to make sure you get all the benefits available to you.

Investment & Rental Property Mortgage


Investment properties, particularly smaller residential properties, are accessible to many average Canadians. Real estate has been one of the most attractive investment categories in Canada for the past decade.

I can help you take advantage of real estate opportunities and unique mortgage options if you’re looking to seriously build your portfolio.

And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade.

If you’re considering an investment in real estate, start by having a conversation with an experienced mortgage broker, to explore some of the innovative new options and great rates available today

Vacation Homes & Second Home Mortgage


Build your net worth with a beautiful asset while providing you and your family the perfect spot to relax and unwind.

Cottages and other vacation properties are providing family memories for many average Canadians, who are taking advantage of low rates and innovative new mortgage products that put these getaway homes within reach.

Business Owner & Self-Employed Mortgage

Jermaine Hinds Mortgage Broker for Mortgage for a Business Owner & Self-Employed

When it comes to mortgages, it hasn’t always been easy as a business owner or self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners as well.

What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians.

These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, they will consider a reasonable estimate of your annual income to qualify for mortgages.

New to Canada

NEW TO CANADA MORTGAGE with Jermaine Hinds

As a new immigrant to Canada you do not have to wait to purchase a home for yourself and your family.

If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.

The documents you will need include

  • a letter from your employer,
  • a recent pay stub, and
  • 12 months’ verifiable bank statements from a recognized financial institution.

This can include a financial institution from your country of origin if you have been in Canada for less than 12 months.

These rules may change at any time, so sign up now to find out more.



When you’re looking for a mortgage, you want to be sure that your mortgage broker and lenders are serving you in your best interest.  That’s what I do for my clients.

I focus on serving solutions that solve your mortgage problems.  It is not by chance that you are on this page and when you work with me, you are working with a mortgage broker that won multiple awards as 4X Canada’s Broker of The Year from 2018 to 2021.

I truly believe in providing our clients with the best service possible and make this whole process easier on you!

Home Purchasing

Home Purchasing in Toronto with Jermaine Hinds Mortgage Broker

As a licensed mortgage broker at Matrix Mortgage Global, I can offer flexible mortgages that suit your needs. I have access to an array of financial products available for home purchasing and refinancing at competitive rates, and I do mortgages Canada-wide. You could be a first-time home buyer, or a seasoned real estate investor. I have the right services for your home purchasing needs.



One of my clients saved about $1,000 a year through mortgage refinancing. He is on his way to create generational wealth by weaponizing his debt to generate a rental income. If you’ve been thinking about refinancing but don’t know where to start, asking a mortgage broker is the best place to start.

There are many good reasons to do mortgage refinancing of your house, and there are a lot of benefits to doing it at the correct time. However, there are various factors to consider and measures to follow before you can effectively tap your home’s equity and arrange a new loan with better conditions.

The most crucial step before beginning your refinancing process is to figure out why you’re contemplating it in the first place.

Loan Applications

Loan applications in Hamilton with Jermaine Hinds, Mortgage Broker

You just need one mortgage loan application with a mortgage broker to access all the best mortgage products at your disposal. As a mortgage broker, I assist you in the gathering, organizing, and submitting of all required information for a mortgage loan application to the different lenders.  Each loan application requires supporting documents for underwriting. It is a good idea to start every loan application with a mortgage pre-approval service with me.

Loan Shopping

loan shopping in Richmond Hill with Jermaine Hinds, Mortgage Broker

Mortgage loan shopping is a great way to get the information you need in order to make the right mortgage decision. Shopping for a mortgage loan allows you to compare rates and terms from different lenders to find the best deal.  Get started by working with a mortgage broker who knows your local area and the local lender's lending requirements. When you are looking for the best mortgage product, term, and interest rates, you want to work with a mortgage broker.  I have extensive types of services to cater to your mortgage loan shopping criteria.

Property Closing

property closing in Markham with Jermaine Hinds, Mortgage Broker

Property closing is exciting if you already have a mortgage approval document in your hands. If you don't have it yet, it is time to work with me for a fast approval service and 48 hours funding service.

Rate Shopping

rate shopping in Vaughan with Jermaine Hinds, Mortgage Broker

Home buyers and homeowners desire the best mortgage interest rate. That is why you want to work with a mortgage broker to work with you in your rate shopping.

Construction Loan


Like any mortgage, you want to ensure your monthly payments fit within your budget. This is particularly true with a construction loan – because you may be paying to live somewhere else while your new home is being built. During the construction phase, you want to keep expenses manageable and not incur any extra costs that might come with delayed construction.

Are you ready to make your dream home a reality? You are in control of your finances and building your house to fit all of the specifications that you could ever want.

Finally, you can build your dream house exactly how you envisioned it without compromise.

Pre Construction Financing

Mortgage broker for preconstruction financing

100% preconstruction financing of the purchase price means you get your deposits back, which you can use to invest in another preconstruction property. Why not make your money works harder for you.

Going with this route, basically, you have fewer closing costs expenses because you’d have to close on the original mortgage first that you have, and then you’d want to take on the second mortgage in the future. Two closings, two lawyer fees you have to pay, two broker fees. So, it saves money by doing it all in one transaction. It’s a hundred percent pre-construction financing.

Not every bank has access to this. This is a very specific bank. It is a very specific lender. Not every broker also has access to this product. We here at Matrix Mortgage Global definitely got access to this product and we got an army full of private lenders who have access and do go up to 80% of the value.

Second Mortgage

Mortgage broker for second mortgage

A second mortgage is a good solution for people who have equity in their home and want to tap into it.  Second mortgage interest rates tend to be higher than standard home mortgage rates. You need to find a second mortgage lender who will offer you lower interest rates.

Here at Matrix Mortgage Global, you can benefit from gaining access to multiple lenders with flexible lending terms and competitive rates.

Home Equity Loans

home equity loans in Whitby with Jermaine Hinds, Mortgage Broker

At Matrix Mortgage Global, we can help you realize short-term goals with a home equity loan. A home equity loan is a type of loan whereby homeowners use the equity in their home as collateral. It only takes a few minutes to apply to determine the loan amount available to you.

Home Improvement Loan Mortgage

home improvement loan in Mississauga with Jermaine Hinds, Mortgage Broker

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard.

A record number of Canadians have tapped into their home equity for improvement projects.

There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort.

Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about.

With a home equity loan from Matrix Mortgage Global, you may achieve short-term goals. A home equity loan is a form of loan in which borrowers utilize their home's equity as collateral. It only takes a few minutes to apply and find out how much money you can borrow.

Reverse Mortgage


Who says you have to leave your home when you retire?

As a Canadian homeowner, you’ve earned the right to enjoy what you’ve invested in. So we’re here to help you discover how you can realize your home’s true value.

When you’re able to access up to 55%* of the value of your home in tax-free cash, you can retire exactly the way you’d like.

Your home isn’t just a home to you – it’s home to your family.

A home to memories and the future. A future you should look forward to when you retire.

When you’ve spent your life in your home, you shouldn’t have to move. We understand that and believe you should have the freedom to enjoy the retirement you deserve.

With the right reverse mortgage product we choose together for you, your retirement is right at home.

Variable Rate Mortgages

variable rate mortgages in Cambridge with Jermaine Hinds, Mortgage Broker

When interest rates on variable-rate mortgages fall, more of your monthly payment is applied to the debt. A variable-rate mortgage, as opposed to a fixed-rate mortgage, usually has more adjustable terms. Find out our lowest variable rate mortgage today. Why pay more?

Business Loans

business loans in Toronto from Jermaine Hinds, Mortgage Broker

Because of the industry's high rate of business failure, seasonality of revenue, and erratic market activity, some enterprises have a difficult time obtaining business loans. We specialize in assisting these types of enterprises in obtaining the business loans they need.

Flex Loans

flex loans in Hamilton with Jermaine Hinds, Mortgage Broker

Flex loans allow you to take out loans from an unsecured line of credit that you can pay off anytime in full without a prepayment penalty.

Line of Credit

line of credit in Hamilton with Jermaine Hinds, Mortgage Broker

Line of credit can be secured to the equity in your property so you can benefit from the lower interest rate compared to an unsecured line of credit. At Matrix Mortgage Global, you have access to both secured and unsecured lines of credit for your financing needs.


microloans in Markham with Jermaine Hinds, Mortgage Broker

A microloan is up to $50,000 that is not secured to any of your real estate property assets. At Matrix Mortgage Global, you gain access to the best microloans for your financing needs.

Mortgage Renewal


If your mortgage renewal is fast approaching, then now is a great time to look at the many excellent options and competitive rates available.

Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions!

In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line.

This is an important moment of opportunity. This is where an independent mortgage professional like myself can help offer advice and options so you don’t leave money on the table.

Debt Consolidation


Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high-interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate?

One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

Consolidate high-interest rate credit cards to one lower rate. Save money and increase cash flow. Reduce stress knowing that your financial situation is now manageable.

If you’d like to have a conversation about refinancing your debt, give us a call today to review your options. It’s time to get rid of your bad debt!

Credit Improvement


I see all kinds of credit ratings every day and there are strategies to help improve and even heal damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you’ve had a bankruptcy or your credit is only slightly bruised, you can still obtain financing. Poor credit can have a negative impact on your life. If you aspire to ever own a home or car, building and maintaining a good credit score is essential. Having a less-than-stellar credit score can lead to paying a higher interest rate, or worse – having your credit application denied.

I have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.

Jermaine Hinds Mortgage Broker Near Me



Getting a mortgage in Canada can also be confusing and stressful because there are so many moving parts when it comes to underwriting a mortgage.

For example, the mortgage qualification rules can change at any time, the paperwork changes, and different banks have different specific requirements related to the location and property type.  It’s a bad idea to do this on your own.  It’s like a medical surgery where precision matters because most times you don’t get a second chance to get the best mortgage for the best property.  Don’t waste your time and chances by finding the best mortgage on your own.

I am an expert in the field of mortgage underwriting and brokering. I can help you get through the process quickly and easily so that you don’t waste any time on it!  You’ll never feel overwhelmed again when dealing with mortgages because I will take care of everything for you!

Rest assured, when you work with me for a mortgage in your area, you’ll know the best mortgage options available. Let’s get started by filling out the form. Then, see you on the other side.

Apply Now For Instant Approval

Apply Now For Instant Approval



Jermaine Hinds, Mortgage Broker believes in delivering results to clients with their best rate and solutions possible.  I have built my reputation around helping people and getting them mortgage financing that fits their situations for the long term. My knowledge and experience will help you achieve generational wealth through real estate.


Matrix Mortgage Global (Lic. #11108) has access to over 100 different lenders. Not only will we compare interest rates to get you the best deal possible, but we also compare terms and help you understand those terms. You have access to a wide range of lending partners who are ready to offer you various mortgage solutions, including mortgage renewals, refinancing, second mortgages, home equity loans, bridge loans, and other specialized mortgage products.


Canada is the world’s second-largest country by total area. It has ten provinces and three territories, covering 9.98 million square kilometres. Its southern border with the United States, stretching some 8,891 kilometres, is the world’s longest bi-national land border.

Canada’s Parliament consists of three parts: the Queen, represented by the governor general; the Senate; and the House of Commons. The power to appoint Senators rests with the Governor General. Her Majesty Queen Elizabeth II is Queen of Canada and Head of State.

Canada is one of the least corrupt countries in the world. It is one of the world’s top ten trading nations, with a highly globalized economy. It has a mixed economy ranking above the U.S. and most western European nations on The Heritage Foundation’s Index of Economic Freedom.

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Driving Directions to a Mortgage Broker Near Me

    Walk Score to Scarborough Office (Head Office) Location

    100 Consilium Place

    Very Walkable

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    Certified Mortgage Broker Reviews

    Based on 7 reviews
    David Smith
    David Smith
    Jermaine is an extraordinary broker he helped me secure my property when things were looking rough for me, and he made me close with no money out my pocket he was very helpful and always there day and night, highly recommended. I look forward to continuing working with Jermaine , he’s a pro.
    Jovani Farah
    Jovani Farah
    As a business owner sometimes its a little harder to get approved for a mortage... ive been trying for almost 3 years and finally jermaine helped me get approved.. he was very professional and helpful throughout the whole process and i am very excited to get my house .. i totally recommend him as a mortage broker he will go the whole 9 yards to make sure things get done !!
    Emerson C
    Emerson C
    I was recommended to Jermaine by another business owner who helped to walk through the process. As a self-employed in my first year, it is a much needed guidance and Jermaine made the entire process such as breeze. My family and I are grateful for him. I was able to secure the lowest rate before it increased...what a nice surprise!
    Aman D.
    Aman D.
    Jermaine Hinds is professional and responsive mortgage broker. I understand that some may be handling multiple clients at the same time so I don't mind for a mortgage broker to reply back in 48 hours. But Jermaine has always been responsive to my questions in less than 2 hours. I find that impressive. Thanks Jermaine, for helping with the recent equity take out deal to be approved. Up and away I go with more properties.
    Thompson P.
    Thompson P.
    I hear about Jermaine after getting recommendation from a close friend. The banks rejected me but Jermaine was able to get me approved with an alternate lender. He can bring me back to the banks next year if everything went as plan. An excellent broker. Definitely recommending him to others.
    Frank C.
    Frank C.
    I've been around the block many times with several mortgage brokers before. But I've to tip my hat to Jermaine. He works fast and right. As the usual, I have to provide my documents and all. Many tend to disappoint with their lofty promises, but Jermaine doesn't. He's straight up to the point about what I can expect from him and my best rate. He rescued me from a mortgage problem that another broker had promised but couldn't come through in the end.
    Kenny Li
    Kenny Li
    I was looking for a mortgage broker in Scarborough that can help me secure a private mortgage at the best rate and Jermaine Hinds was able to do just that. He was able to secure me a mortgage despite my poor credit score. He guided me through the entire process, and he is responsive to my questions. I couldn't be happier with his services and I would highly recommend him to anyone who wants to get a mortgage with a trustworthy broker.

    “I hear about Jermaine after getting recommendation from a close friend. The banks rejected me but Jermaine was able to get me approved with an alternate lender. He can bring me back to the banks next year if everything went as plan. An excellent broker. Definitely recommending him to others.”

    Thompson P

    Mortgage refinancing client, Scarborough

    “I highly recommend Jermaine for anyone looking to get a mortgage on a pre construction property. He was able to save me a lot of time and money by getting me a 100% pre-construction loan. The process was very easy and he was recommended to me by a Realtor who is Jermaine’s client as well. Thanks Jermaine!”

    Dennis D

    Preconstruction client, Toronto

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