Current Rates
5yr Fixed 4.69%
5yr Variable 3.95%
3yr Fixed 4.59%
Prime 4.45%
BOC 2.25%
Updated Jun 2, 2026

The keys to
your next home.

30+ mortgage professionals across Ontario, negotiating with Canada's top lenders so you get the rate and the home you deserve.

Start in 60 seconds30+ lendersFSRA licensed$500M+ fundedIndependent advice4.9★ average rating Start in 60 seconds30+ lendersFSRA licensed$500M+ fundedIndependent advice4.9★ average rating
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Mortgage Professionals
$0M+
Mortgages Funded
0
Ontario Cities Served
0
Average Client Rating
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Start your free quote in 60 seconds

Answer 3 quick questions and a licensed mortgage advisor will reach out with personalized options. No obligation.

What brings you here today?

Tell us about the property

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A licensed mortgage advisor will review your information and reach out with personalized options. Keep an eye on your email and phone.

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📞 905-415-8444

✉️ info@mcnetwork.ca

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Magellan advisors with clients
5+ yrs
serving Ontario
Our promise

Relationships first.
Rates always.

At Magellan Capital Network, we provide clear, relationship-driven mortgage guidance focused on more than just financing. We help clients build long-term wealth with confidence.

i.

We work for you, not the banks

30+ lenders compete for your business, including the ones the big banks never mention.

ii.

Independent, in your corner

We answer to you, not a single bank's rate sheet.

iii.

One advisor, start to finish

A single licensed point of contact from first call to closing day.

Meet the team

The people behind
your next move

Sinthu Perumalsamy — Director

Sinthu Perumalsamy

Director

Leads Magellan with a vision for relationship-first mortgage advice, on the belief that every client deserves a long-term financial partner, not just a transaction.

Markham, ON FSRA Licensed
Aristo Ariyaratnam — Principal Mortgage Broker

Aristo Ariyaratnam

Principal Mortgage Broker

Decades in residential, commercial, and private lending. Creative deal-making and deep lender relationships. He's the broker other brokers call when a deal looks impossible.

Markham, ON FSRA Licensed
Saveetha Kirupaharan — Admin Coordinator

Saveetha Kirupaharan

Admin Coordinator

Keeps Magellan running behind the scenes, managing files, coordinating with clients and agents, and ensuring every application stays on track. Detail-driven and always reliable.

Markham, ON FSRA Licensed

30+ licensed advisors across Ontario, ready to help.

Talk to a Broker

Working with 30+ lenders across Canada

Client stories

Loved by Ontario homeowners

Straight from our Google reviews.

★★★★★
Exemplary and trustworthy brokerage to deal with. The white-glove service was outstanding: expert knowledge, professionalism, and incredible customer service from start to finish. I used them for two mortgage transactions, both of which went smoothly.
AV
Alex VictoGoogle review
★★★★★
The Magellan team has helped me in so many ways. They're incredibly well versed in all things mortgages and got me through a few tough spots, both when I got my first mortgage in 2020 and again now that I'm looking at another home. These folks are the best.
RJ
Razzmataz JonesGoogle review
★★★★★
Magellan took me from a near-impossible mortgage situation to cleaning up my credit with their team. The interest rate is super amazing, and the fact they could work with the mess I'd made is incredible. I'm beyond grateful.
RG
Robyn GaleGoogle review
Frequently asked

Everything you
need to know

Most prime lenders look for a credit score of 680 or higher, but we work with alternative and private lenders that can approve scores as low as 550. Even if you've had credit issues, we have programs designed for rebuilding borrowers.
For most residential mortgages with A-lenders, our services are typically free to you, since the lender pays our commission. For private or specialty lending, a fee may apply, and we'll always disclose it upfront before any agreement.
Most pre-approvals come back within 24 to 48 hours of submitting your application. Once we have your documents, we can often have rate-locked offers from multiple lenders the same day.
Absolutely. We specialize in self-employed and incorporated borrowers. Through alternative lending programs, we can use bank statements, business financials, or stated-income approaches rather than just T4s, assessing your full earning picture, not just paper income.
Your bank can only offer you their products. We shop 30+ lenders (banks, credit unions, monolines, and alternatives), meaning more competition for your business and often significantly better rates. Plus, brokers can negotiate; bank reps usually can't.
When you decide to move forward, we do a single credit pull and use that one report to shop multiple lenders. That protects your score from the repeated inquiries you'd get shopping bank to bank on your own.
An Ontario home at dusk

Let's find your
best rate.

Get a personalized quote from a licensed advisor. Start in 60 seconds, with no obligation.

Independent adviceZero obligationFSRA licensed30+ lenders