365 Finance Toronto Mortgages 416.835.3339
Toronto skyline and the CN Tower at dusk, seen across the harbour

365 Finance · Toronto & the GTA

The right mortgage, every day of the year.

I'm Daniel Sri, founder of 365 Finance. I've worked in Ontario mortgages since 2015, and I'll run your numbers honestly and shop your purchase, refinance, or renewal across many lenders — so you get the mortgage that fits your life, not just the first one offered. I currently refer mortgage applications to Mortgage Alliance Access Inc., a licensed Ontario brokerage — and my own FSRA agent licence renewal is in progress.

Call 416.835.3339 Try the mortgage calculator
10+ yearsin Ontario mortgages
6services, one point of contact
365days a year — evenings & weekends too

Toronto skyline — photo by Duncan Rawlinson

What I do

Mortgage help for every stage of owning a home

I work for you — not for one bank. I prepare your file and refer it to Mortgage Alliance Access Inc., which places it with the lender whose rates, terms, and fine print suit your situation best.

01

Purchases & pre-approvals

Know your real budget before you shop. A pre-approval holds a rate for up to 120 days while you look, and flags problems while there's still time to fix them.

02

First-time buyers

The First Home Savings Account, the RRSP Home Buyers' Plan, the land-transfer-tax rebate, and 30-year insured amortizations — stacked properly, they change what you can buy.

03

Refinancing

Roll high-interest cards and loans into your mortgage, fund a renovation, or pull out equity for an investment — with the break-even math done honestly first.

04

Renewals & switches

Most renewal offers are signed without a second look. Your lender's first offer is rarely its best — start 120 days out and let other lenders compete for your business.

05

Self-employed & newcomers

Two years of tax returns isn't the whole story. Stated-income and alternative (B-lender) programs exist for business owners, contractors, and new Canadians the big banks turn away.

06

Tough files & private lending

Bruised credit, a power of sale, or a closing that's days away — equity-based and private options can buy time and protect the home while we rebuild toward a bank mortgage.

Run your numbers

Mortgage calculator

Real Canadian math: semi-annual compounding, CMHC insurance premiums, and the federal stress test built in. Estimates only — your actual quote comes after a short conversation.

Accelerated bi-weekly pays the equivalent of one extra monthly payment a year — it can cut years off your mortgage.

Your payment
$0
per month
Mortgage amount
—
CMHC insurance premium
—
Interest over the term
—
Balance at end of term
—
Total interest, full amortization
—
Stress-test qualifying payment
—
Principal paid in term — —
Interest paid in term — —

The stress test uses your rate + 2% (the federal minimum qualifying rate also applies). Lenders must confirm you can carry the payment at that higher rate.

How it works

From first call to funded mortgage

STEP 1

A 20-minute call

Your goals, income, credit picture, and timeline — in plain language. You'll leave knowing your price range and what to fix before applying, if anything.

STEP 2

Pre-approval

One application and one credit pull. I verify your documents up front so your pre-approval means something when you write an offer.

STEP 3

Lenders compete

Through Mortgage Alliance Access Inc., your file goes to the lenders that fit it — big banks, credit unions, and monoline lenders you can't walk into. We compare rate, prepayment room, and penalty math, not just the headline number.

STEP 4

Approval & closing

Conditions cleared, lawyer instructed, funds on closing day. Then I track your term and check in before renewal — not after your lender's offer expires.

Daniel Sri

Founder · 365 Finance

I've worked in Ontario mortgages since 2015 — purchases, refinances, renewals, and the hard files other offices hand back. 365 Finance is my practice: your file handled start to finish by one person, no call centre. While my FSRA agent licence renewal is in progress, I refer applications to Mortgage Alliance Access Inc. — a fully licensed and regulated Ontario brokerage, the same way my clients' files have always closed.

Based in Scarborough, serving all of Toronto and the GTA. My clients are often people with real lives — shift work, self-employment, a bruise on the credit file — who need someone to actually run the numbers before saying no.

  • In mortgages since2015
  • Applications referred toMortgage Alliance Access Inc.
  • Based inScarborough, Toronto
  • ServingToronto & the GTA
  • HoursDays, evenings & weekends

Straight answers

Questions everyone asks

What does it cost to work with 365 Finance?

For a standard purchase, refinance, or renewal, nothing out of pocket — the lender pays a finder's fee to the brokerage when your mortgage funds. Fees can apply on alternative or private files, and you'll see the exact number before you sign anything.

How much do I need for a down payment?

The minimum is 5% on the first $500,000 of the price and 10% on the portion above that, up to $999,999 — at $1M or more, 20% is required. Under 20% down means CMHC (or Sagen / Canada Guaranty) insurance, which adds a premium to the mortgage but unlocks the best rates.

What is the stress test?

Every federally regulated lender must confirm you could still carry your payment at your contract rate + 2% (or the federal benchmark floor, whichever is higher). It decides how much you qualify for — the calculator above builds it in.

My credit isn't great. Is it worth calling?

Yes. Alternative lenders look mainly at your equity and income, not a perfect score, and a year or two in the right alternative mortgage can rebuild you into a bank product. What matters is a plan — and knowing it before your current term matures.

When should I start on my renewal?

About 120 days before maturity. That's when I can hold a rate with a new lender while we negotiate with your current one — leverage you don't have the week the term expires.

Get started

Talk to Daniel

Call, email, or send the form — it opens in your own email app, addressed to me, ready to send. No obligation and no pressure.

Phone416.835.3339
Email[email protected]
Web365finance.ca
Service areaScarborough · Toronto · the GTA
LanguagesEnglish · Tamil

Ask about your mortgage

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