We provide a range of mortgage services including home financing, refinancing, equity access, and alternative lending solutions.
Finding the right mortgage is not just about rates. It is about choosing a solution that fits your situation today while setting you up for the future.
At Echo Mortgage, we provide mortgage services across the GTA, Ontario, and British Columbia, helping homeowners and buyers navigate their options with clarity. Whether your situation is straightforward or more complex, our focus is on finding a solution that works for you.
Use our calculators for quick, visual insights.
Get personalized guidance every step of the way to help you confidently find the perfect mortgage tailored to your unique financial situation and goals.
Buying a home is one of the biggest financial decisions you will make. Whether you are purchasing your first property or adding to your portfolio, choosing the right home purchase mortgage can make a major difference in your long term financial health.
Buying your home was just the first step. As your financial situation changes, your mortgage should evolve with it. Refinancing allows you to adjust your current mortgage to better fit your goals today.
If you are a homeowner looking to access the equity in your property without selling, a reverse mortgage may be the right solution.
A home equity loan allows you to unlock that value and turn it into usable funds. Whether you are planning renovations, consolidating debt, or covering major expenses, this type of loan gives you access to a fixed amount with predictable repayment terms.
Your home equity can be a powerful financial tool when used the right way.
When your mortgage term comes up for renewal, you are not locked into your current lender. In fact, this is one of the best opportunities to improve your mortgage and save money.
Falling behind on your mortgage can feel overwhelming, and time is not on your side. If you are facing missed payments, lender notices, or a potential power of sale, acting quickly is critical.
Managing multiple debts can quickly become overwhelming. High interest rates, multiple due dates, and rising balances can make it feel like you are constantly falling behind.
Not every borrower fits into the strict guidelines of traditional banks. That does not mean you should be out of options.
Most mortgage experiences feel transactional. You apply, get approved or declined, and move on.
We take a different approach.
Our mortgage services are built around understanding your full financial picture. We look at where you are today, where you want to go, and how your mortgage can support that path.
This means:
The result is a mortgage strategy, not just a mortgage product.
We work with clients across major cities and surrounding areas, including the Greater Toronto Area, Ontario, and British Columbia.
Each market comes with its own challenges and opportunities. From competitive urban markets to more flexible regional options, we help you navigate local conditions while finding the right mortgage solution.
No matter where you are located, the goal remains the same. Clear advice, strong options, and a path forward that makes sense for your situation.
Not every borrower fits into a traditional lending model. That is why we work with a wide range of lenders to offer flexible mortgage services.
We help clients who are:
Instead of forcing your situation into a narrow set of requirements, we match you with the right type of solution.
Getting approved is important, but it is not the only goal.
We focus on helping you:
In many cases, the right mortgage today can create better opportunities tomorrow. That is why we focus on both the short term and the long term.
Choosing the right mortgage partner can make a significant difference in your experience and outcome.
Clients work with us because we provide:
We explain your options in a way that is easy to understand.
We are not limited to one type of lender or one approach.
We work with real situations, not just ideal scenarios.
We help you not just at the start, but as your needs evolve over time.
The first step in any mortgage decision is understanding what is available to you.
We help you:
Tell us a bit about your situation and we will point you in the right direction with no pressure and no obligation.
We provide a range of mortgage services including home financing, refinancing, equity access, and alternative lending solutions.
Yes. We work with clients across the Greater Toronto Area as well as throughout Ontario and British Columbia.
Yes. We specialize in helping clients who need flexible mortgage solutions beyond traditional lending.
We review your full situation and guide you through your options so you can make an informed decision.
No. You can explore your options and get clarity without any commitment.
My husband and I have had the pleasure of working with Tom over the last month. He was able to get us a secured loan at a decent rate considering our credit score. He was diligent, competent, up front and honest. He would always communicate with us t... Read More
Working with Rohina, Echo Mortgage for my refinancing. It was a great experience. Rohina was very helpful, knowledgeable, and made sure everything was handled efficiently. Rohina took the time to explain the process and kept me informed along the way... Read More
Carlos Ramirez who works at Echo Mortgage is great! Carlos listened to all my concerns and made it so I could understand it. Carlos was able to get me the best rate for my situation. I would recommend Carlos and Echo Mortgage.
I worked with Amanda. She was absolutely fantastic. Thank you so much for all your help. I can't believe it's done and I can actually breathe again. I am so very grateful for all that you have done.
The team at Echo, and Carlos in particular, were super helpful & efficient in delivering on my request. Communication throughout the process was top notch so I always knew what was going on and there were no surprises along the way. Should the need a... Read More
Our experience with Echo Mortgage was amazing. Our mortgage representative Rohina was very helpful, and knowledgeable.
I had a great experience working with Carlos Ramirez at Echo Mortgage. He was hardworking, personable, and truly committed to securing me the lowest rate possible. Carlos stayed in regular contact, answered my questions quickly, and made even the mos... Read More
We would like to thank Rohina Pasani for the fast and friendly service she has provided for our mortgage needs. We would recommend her to friends and family. Thank you Rohina.
I had the pleasure of working with Rohina Pasani, after being rejected by all other mortgage brokers. I was initially working with another broker, who was very dishonest, and wasted two months of my time. After two months, they told me that the only ... Read More
Rohina pasani had done our mortgage and she is amazing!!! We had worked with someone previously that took months of back and forth but Rohina was able to finish our mortgage within a week. I was very pleased and impressed with her work and would reco... Read More
My husband and I have had the pleasure of working with Carlos over the last couple months. He was able to refinance us at a decent rate considering our credit score. He got us out of some bad debt and was able to remove my parents from title. He was... Read More
I had a great experience with Rohina she is very helpful and she guide me through this process always available to answer any questions or concerns I had thanks Rohina for all your help
Thank you Tom & Echo Mortgage. This was my first home purchase and Tom was very helpful and thorough throughout the process and was able to get us a great rate.
On behalf of my family and myself, we would like to thank you Nora and Echo Mortgage for the diligent effort towards helping us as homeowners find a perfect, affordable, suitable, mortgage loan with a top notch lender!
Tom was amazing at Echo Mortgage. Friendly and took the time to find us the best mortgage for us during our time of need. I wish to suggest that if you need help call Echo Mortgage they are there to help you. Thanks Tom for your great support. Blaine... Read More
They are very helpful and knowledgeable on helping out there lenders greatly appreciated
I had an excellent experience working with Tom as my mortgage broker. My situation was quite complicated, but Tom was extremely professional, patient, and dedicated throughout the entire process. He guided me step by step, kept me updated at all time... Read More
We are extremely grateful that we found Echo Mortgage Company and had the chance to work with Tom Coukos. He helped us refinance our mortgage, and even though there were a few hiccups at the end (which he had already informed us about), he guided us ... Read More
I reached out to this company 4 yrs ago and they set me up with a private lender. This lender held onto my mortgage till I was back onto me feet. Carlos this yr found me a bank to hold onto mortgage now. I am so grateful to these people and company f... Read More
My experience with echo mortgages was very good they were respectful kind and very helpful and understanding of what I needed to get done I would recommend them to everyone Allen Bell is was really great
I had a wonderful experience with Echo Mortgage company. Nora was amazing each step of the way. Her communication and professionalism was on point! I couldn't be happier with the level of service I received. Thank you for helping me receive my mortga... Read More
Nora and her team went above and beyond to get us a great rate and did an amazing job. She's wonderful to deal with. Thank you so much. Mike and Alison
Nora did a great job getting us an amazing rate by a private investor. Many thanks to Nora and the team for their hardwork and constant support through the loan process.
Great experience and smooth process working with Nora. Would highly recommend her to anyone and the rate I received was best in the industry. Thanks again :)
We cannot say enough great things about Paulina! She made the whole mortgage process not as daunting. She kept in contact with us every step of the way and guided us through the whole process. Thank you Paulina!
My wife and I have been dealing with Carlos R from Echo Mortgage for a number of months in order to refinance our debts. While there were times of frustration due to all the documents and information required, Carlos was the definition of calm, cool... Read More
I would like to say thank you to Carlos Ramirez. It was so nice to work with Carlos, helping us to our Financial problems. He makes a good deal so we can afford to pay our mortgage every month. He did a great job , thank you again Carlos ????
I recently renewed my mortgage and was thoroughly impressed with the outstanding customer service I received from Amir. He was knowledgeable, patient and took the time to explain each step of the process. I felt supported every step of the way and ap... Read More
Allan at Echo Mortgages was great to work with. Knowledgeable and responsive to questions. Allan works hard to get the deal done and works with you to tailor the solution to your needs. I would recommend using Allan at Echo Mortgages if you are strug... Read More
Nora Youkhanis was able to secure a mortgage for us at a great rate. She was always available to answer any of our questions. I would recommend Nora for your mortgage needs.
Professional people Explained everything. Would do this again.
Tom Coukos was/is fantastic. He was VERY patient with me and explained everything. Just a great guy!
Allan was able to find us a solution when we didn’t think we had any options. We are very grateful for Allan’s help.
Working with Allan was a dream. He listened and actually heard what our concerns were, addressed everything, and made sure we had the best deal moving forward. We felt as though we were his only priority. Communication was key with Allan and his team... Read More
17K+
People Helped
200+
Lending Partners
98%
Approval Rate
4.9 
Client Rating
