Your Mortgage,
Done Right.
James Fleming — Principal Broker, Orbis Mortgage Group. With access to 50+ lenders to find you the best rate and terms.
Mortgage solutions for homeowners, investors & businesses across all of Ontario
What I Can Help With
Mortgage Solutions for Every Stage
First-Time Home Buyers
Navigate the home-buying process with confidence. I'll guide you through every step, from pre-approval to closing.
Mortgage Renewals
Don't just auto-renew with your bank. Let me shop the market to find you a better rate when your term ends.
Refinancing
Access your home equity, consolidate debt, or lower your monthly payments with a strategic refinance.
Investment Properties
Grow your real estate portfolio with financing solutions tailored to rental and investment properties.
Top 10 Things to Do When Applying for a Mortgage
Call Me
And I will handle the other 9 things.
Seriously. The mortgage process can be overwhelming, but it doesn't have to be. Let me take care of the paperwork, lender negotiations, and all the details while you focus on finding your dream home.
Mortgages
About James
An Advocate in Your Corner
With over 15 years of experience in the Canadian mortgage industry, I've helped hundreds of Ontario families secure financing that fits their lives — not just their credit scores.
As an independent broker, I'm not tied to any single lender. That means I can compare rates and products across 50+ banks, credit unions, and alternative lenders to find the right fit for you.
Client Stories
What My Clients Say
"James made buying our first home so much less stressful. He found us a rate our bank couldn't match and walked us through everything."
"I was skeptical about refinancing, but James showed me exactly how much I'd save. The process was seamless from start to finish."
"On our third mortgage renewal with James now. He always comes through with a great rate and makes the whole thing effortless."
"As a self-employed consultant, I thought getting a mortgage would be impossible. James found a lender who understood my situation and got me approved within a week. I'm now in my dream home!"
"We were first-time buyers with limited credit history. James was patient, explained every step, and secured us an incredible rate. We closed on our condo in 45 days. Highly recommend!"
"I needed to purchase a 6-unit rental property quickly. James arranged commercial financing in under 3 weeks with terms that made the deal work. His commercial expertise is unmatched."
"James structured a $1.5M commercial mortgage for our office building acquisition. His knowledge of DSCR requirements and lender appetite saved us months of back-and-forth. True professional."
"After a divorce, my credit was bruised and I didn't think I could buy again. James found a solution through an alternative lender and now I'm rebuilding equity in my own place. Forever grateful."
"We wanted to buy our first investment property while keeping our primary mortgage intact. James showed us how to structure both loans for maximum tax efficiency. Our rental is now cash-flow positive!"
Ready to Get Started?
Let's Find Your Best Mortgage
A free consultation costs you nothing. I'll review your situation and show you exactly what you qualify for.