great Low Rates


offering Low Payments


in 2 Hrs, 8A.M. - 8 P.M.


Mortgage Architects

Shane Osmond, Mortgage Agent

Shane is a licensed mortgage agent with the award-winning Mortgage Architects (FSCO Broker # 12728) and serves his valued clients in the Greater Toronto Area, throughout Ontario, and from coast-to-coast of Canada with honest and personally-tailored financial advice and mortgage solutions. Possessing a strong dedication to deliver the highest standard of excellence and supported by our exceptionally experienced and highly qualified team of professionals, Shane seeks to provide his clients with excellent service by saving them money, time, and stress, while ultimately delivering the most value and the peace-of-mind knowing that they’re in expert care.

Shane's Services

Home Purchase

Whether you're a first-time home buyer or a seasoned homeowner seeking to buy your retirement home, Shane helps guide you through the entire process, from pre-approval to the funding of your purchase.


If you'd like to convert your home equity into funds, Shane has some of the greatest rates and mortgage products available in the market for your mortgage refinance, often providing funds in a fast and easy manner.


You current lender may provide a renewal agreement near the end of term, however, you are not under any obligation to renew. Explore your options and determine if you could save substantially with another lender.

First-time Buyers

Whether you're ready for a place to call your own or just tired of rental burdens, Shane can help you understand the entire mortgage process and the unique benefits and savings available to you as a first-time home buyer.

Alternate Solutions

Past financial struggles or present irregular income doesn't need to stand in the way of your mortgage financing. Shane has many solutions for those with bruised credit or situations that most lenders won't approve.

CHIP (Reverse)

After working hard throughout life to pay down your mortgage, you're now positioned to convert your home equity into income. As a certified Reverse Mortgage Specialist, Shane specializes in helping you get the best benefit.

Private Lending

Shane works with a large network of proven and trusted private lenders to quickly offer private funding solutions to those seeking an immediate second mortgage or clients with applications that most lenders won't approve.


Being self-employed has many benefits, but it can sometimes make obtaining financing difficult. Shane regularly helps business owners by understanding their unique business needs and provide great solutions.


Shane understands the unique needs of commercial clients and has access to an array of commercial mortgage products, from leading lenders, to help commercial clients succeed and purchase, expand, or refinance.

Looking for pre-approval to begin shopping?

Most real estate purchases begin with a pre-approval before approaching your real estate salesperson. Shane and his team offer a free no-commitment pre-approval for those looking to be able to understand how much they can afford, be taken seriously by realtors and sellers (giving you an upper hand in shopping for your next home), and lock-in current interest rates as they shop.

Free Mortgage Review

Whether you’re looking to find out how much your home is worth now, check if there are saving available with another lender, or soon approaching your renewal and curious as to what rates and products currently exist to offer you the most savings and benefits, Shane is here to help and is excited to serve you in your financing needs.

Service you can depend on,
a professional you can trust

As a licensed mortgage agent based in the Greater Toronto Area (GTA), Shane is dedicated to delivering the highest standard of excellence in mortgage services to his valued clients throughout Ontario and across Canada. After having had a thriving career in business management, Shane possesses the expertise, passion, and dedication to ensure that you get the absolute best mortgage product tailored to your unique needs.

Learn more about Shane and the exceptional service he offers.

Working with the award-winning Mortgage Architects brokerage, Shane uses his own expertise and that of a team of highly qualified and experienced professionals to provide clients with tailored industry-leading mortgage solutions offered by a range of banks, monoline lenders, credit unions, and trust companies, all at great low rates. Give yourself the peace of mind you deserve and experience the difference Shane can make for you.

Learn more about Shane and the exceptional service he offers.

Shane goes above and beyond in serving his clients by operating from 8 a.m. to 8 p.m., 7 days a week. These superior hours of availability give clients the option to contact Shane when it best works for them and around their schedule (the way it should be). Working for you, 8 a.m. to 8 p.m., 7 days a week; just another reason to make Shane and his team your first choice for financing. Apply now, available 24/7, at

Learn more about Shane and the exceptional service he offers.

Shane works with clients throughout the Greater Toronto Area (GTA) and Southern Ontario, as well as throughout the province. Utilizing the latest in secure technology, Shane can provide the highest level of service no matter where his clients are located, from downtown Toronto to beautiful cottage country. In addition, Shane utilizes the large and ever-expanding Mortgage Architects network to assist clients throughout Canada. 

Learn more about Shane and the exceptional service he offers.

Professional and trustworthy, Shane has spent time in the real estate and mortgage industry throughout Canada and knows how important getting the right mortgage is to his clients. Shane and his team will guide you through the financing experience and find the best product and rate for you. As an independent licensed agent, Shane possesses access to a wider range of mortgage products and services than your bank can offer.

Learn more about Shane and the exceptional service he offers.

The mortgage industry is constantly evolving and more and more Canadians are looking to a mortgage broker to make sense of it. Amongst the brokerages available, there’s a reason why Shane choose to be an agent with Mortgage Architects (FSCO# 12728); it’s because they’re amongst the best at what they do. Brokering mortgages for thousands of Canadians annually, MA is proudly leading the Canadian mortgage industry forward.

Learn more about the award-winning Mortgage Architects brokerage.

Your VIP Service

Shane is dedicated to excellence in all that he does and part of that excellence is providing each and every client that he serves with an exceptional value-added financing experience that delivers mortgage solutions tailored specifically for you.

Extensive Lender Options

Works with hundreds of lenders, from major banks to private lenders, to find the best solution.

Low Rates & Amortization

Offering clients great low rates, options for lower regular payments, and extended amortization.

Fast, Secure, & Efficient

Utilizing the latest in secure technology, provides fast and efficient convenient online service.


He is a very trustworthy professional who gets things done in the fastest and most effective way possible but never compromises on delivering only the best. His dedication has made a huge difference in my professional life and I trust him entirely.

Sylvia Boyd
Toronto, ON

Shane is just an incredible person and anyone partnering with him should consider themselves lucky. Not only does he have a fantastic personality, he is honest, trustworthy and truly cares about helping his clients and doing what is best for them.

Lisa Pellerin
Burlington, ON

Shane and his team have always provided me an excellent service, no matter what I ask for or the time of day (or night) it is. His dedication to his clients is second to none and he definitely strives for perfection in anything that he touches. I highly recommend him.

Alvin Watkins
St. John's, NL

Shane has always been dedicated to his work and made us feel like we were his only clients, no matter what questions I had or how many times I texted him throughout the process. Everyone should want to have Shane fighting on their side for great service.

Ed & Ola McCulloch
Vancouver, BC

There are few people that I've met with the charisma and sheer joy for what they do that Shane has. His organization and the systems that he has in place to make sure his clients are satisfied is so impressive. Well done, Shane. I couldn't be prouder.

Miki McNaughton
Fort McMurray, AB

Shane has helped us a few times now and each time I'm very impressed with the work that he does and the speed at which he does it. Available day or night, I felt confidence and peace of mind he'd deliver for us - and I was more than pleased when he did. He's great.

Cavell Carter
Hamilton, ON

I've known Shane now for years and he has a reputation amongst his colleagues and friends as being above and beyond dedicated to his work and making sure he gets it every single time. I have no doubt you'll experience it too if you use his service.

Corey Porter
Etobicoke, ON

You can tell Shane has a passion for helping others and not only will he deliver as promised, you will just like him as a person. Shane is a rare find and I wouldn’t hesitate to refer him to anyone looking for a mortgage or advice. He is honest about what's best for his client.

Eleanor Young
North Vancouver, BC

I am confident that when I refer my clients to Shane he delivers with the best product with the best savings and greatest benefits (and he's fast!). Real estate can be a difficult market but Shane and his team help me to master it and provide my own clients value.

Susan Jennings
Oakville, ON

It's not everyone that I trust with my personal information and know that it's handled properly. But I've got to remark how I noticed Shane's dedicated to my privacy and security and in this current climate with all the privacy breaches, etc. it put me at peace.

Ángel López-Pérez
Stoney Creek, ON

We are happy to recommend Shane to anyone seeking a mortgage, especially seniors. Shane has a way of working with the mature and elderly demographic and truly listens to what his clients needs, explains their options, and delivers the product superbly.

Alonzo & Evelyn Watkins
Summerford, NL

Available to you, 8 a.m. to 8 p.m., 7 days a week

Shane and his team are committed to delivering excellence in serving you and are available seven days a week to start, process, or finalize the mortgage process. Whether you find your dream home at a Saturday morning open house or you’ve got a question after dinner on Wednesday night, Shane and his team utilize the latest in secure technology to make sure he’s available to you and will strive to respond to every initial inquiry made within two hours, from 8 a.m. to 8 p.m., seven days a week, 365 days a year.

As our schedules get busier and the demands of life seem to never end, the last thing you need is to have to work around the dreaded short “banker’s hours” and wait days, often even weeks, for an appointment to see someone at your bank just to start the process of exploring your mortgage options. Proceeded by the need for multiple follow-up visits and rushing to drop off your documentation only to find a better product elsewhere and start the process all over again. It wastes time, energy, and even money.

2 hour response times, 7 days a week, is just another reason to partner with Shane and experience excellence in service.
Banks & Lenders
Mortgages Funded Annually
BILLION Funded Per Year

The Mortgage Process

Each of Shane’s valued clients is unique; as is their situation, financial goals, and the mortgage they need. As such, Shane and his team tailor their service to provide clients with their own excellent mortgage experience that fulfills their needs and leaves them satisfied with a mortgage designed just for them. However, Shane has provided a general overview to give potential clients a brief look at process and some of the many steps involved with mortgage financing that our team makes as easy as possible for you.

Step 1
Apply Now or Contact Shane
If you're ready to apply for a mortgage or obtain a pre-approval to begin your search for your next dream home, feel free to hit the "Apply Now" button at the top of the website or any other corresponding link throughout the site. Once you've submitted your application, Shane will contact you, at the time that works best for you and through whichever method you prefer to use (call, message, email, etc.). If you aren't ready to apply, reach out to Shane with any questions that you may have as he and his team are happy to answer any questions you might have, without commitment or judgement.
Step 1
Step 2
Contacting Shane
Perhaps you'd like contact Shane before you submit an application or just have more questions. If so, Shane would love to hear from you now. While he has many answers on his website, feel free to reach out to him, from anywhere at any time, through our various contact methods or through the contact form. Whether you prefer to message instead of call, use FaceTime, WhatsApp, or Skype for face-to-face video, or meet in person, they've got you covered. No pressure, no obligation, no judgment - just great mortgage advice.​
Step 2
Step 3
Application Submission & Review
After your secure application is submitted, Shane will be touch with you to explain the overall mortgage process and review your details, including any relevant documentation such as your statements of income. He and his team will also breakdown and discuss immediate and long-term financial goals for you, your family, or business. From there they'll get an understanding of your options and the best product suited to your needs, provide you with a pre-approval (if applicable), and discuss moving forward to funds in a timely manner.
Step 3
Step 4
Secure Funding
From the initial contact or submission of your application to this step you'll be kept fully informed. However, you can rest assured that once Shane and his experienced team take over after your application has been submitted, you can sit back and relax knowing that you're in expert hands. During this step, Shane will be searching amongst an array of lenders to find the best product suited to you and your unique needs. They'll then work with you to get any additional requirements fulfilled and work tirelessly to secure your financing.
Step 4
Step 5
Approval & Funding
Shortly after submission and getting approval, we'll contact you to let you know the good news and discuss the last few steps required before we "close the deal". These closing steps include final review and signatures, which we'll work with you to obtain in the easiest way possible, electronically being the fastest. Aside from any additional lender requirements, that's it! We work with you each step to ensure a secure, effortless, and efficient experience from application to funding with as much (or as little) face to face time as you desire.
Step 5

Mortgage Calculator

While Shane is always here to serve you, he is pleased to provide you with a fully comprehensive mortgage calculator for you to perform common mortgage calculations. 

Experience the difference excellence makes

Whether you’re a first-time home buyer or experienced investor searching for a new mortgage, exploring options for refinance or renewal, or just want to make sure that your current mortgage is giving you all the benefits that it should, contact Shane and his team now for a free mortgage consultation and to learn how they could save you thousands of dollars on your mortgage financing.

Working for you and not the bank

The reality is that your banker is really working just for the bank, not you. With mortgages, they offer only the banks limited products at only the bank rate, thereby restricting your options and most certainly, your savings. A mortgage agent/broker works differently, as they work for you to understand your unique finances, needs, and goals, then search hundreds of lenders to find the perfect fit for you. That perfect fit results in savings, greater benefits and flexibility, and the ultimate peace of mind knowing that your financing is tailored uniquely to you and that you’ve secured your best rate with the right product.

Amongst mortgage agents/brokers, there are none like Shane. He offers the flexibility of working on your terms at the best time for you and makes the mortgage financing experience one that ensures you are informed, in control, and ultimately stress-free as he and his experienced and highly-qualified team put our longer working hours (2 hour response times, 7 days a week), superior use of secure and cutting edge technology, and overall dedication to excellence in customer service to work for you, no matter where you are or whether you’d like to meet in person each step of the way or complete your financing entirely online or over the phone. It’s that dedication and flexibility that make Shane the obvious trusted choice.

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