Mortgage leads in Ontario
Exclusive campaigns for FSRA-licensed brokers and agents, built around what your licence lets you do.
If you are looking for mortgage leads in Ontario, start with your licence, because in this province it decides which borrowers you can legally help. Amplify Leads runs mortgage marketing in Ontario for brokers and agents through Facebook, Instagram and Google ads, with leads that are exclusive to you and never resold. Below: how the FSRA licence ladder shapes a campaign, what Ontario's land transfer taxes do to buyer conversations, and which regions we run.
- Campaigns matched to your FSRA licence level
- Brokerage name and licence number built into every ad
- Exclusive and never resold
Ontario mortgage leads, in 44 seconds
Which Ontario leads fit your licence level, and what the Toronto layer means for closing costs.
Who can take which mortgage leads in Ontario
FSRA licenses mortgage agents at two levels, then brokers, brokerages and administrators under the Mortgage Brokerages, Lenders and Administrators Act. Each step up widens the lenders you may deal with, and that should decide which lead types you buy.
Level 1 agent
Works under a licensed brokerage and a supervising broker.
Deals with lenders that are financial institutions or CMHC-approved, so banks and credit unions.
Fits purchase and renewal files bound for those lenders. purchase leads, renewal leads
Level 2 agent
Same supervision, wider lender range.
Adds private lenders, mortgage investment companies and syndicates.
Opens second mortgage, private and distressed-owner conversations. second mortgage leads, private mortgage leads
Broker
Holds the broker licence and supervises agents.
Same lender range as Level 2. The brokerage's principal broker has to be a broker, not an agent.
Can run the whole book, including commercial and CMHC files. commercial leads, CMHC MLI Select leads
Brokerage and administrator
Every agent and broker works for a licensed brokerage, and the brokerage needs a designated principal broker. Administrators are licensed separately to administer mortgages for others. The brokerage's authorized name and licence number must be clearly and prominently displayed on your ads, website and mortgage emails, which is how we build every campaign.
Based on FSRA licensing guidance as we read it. Confirm your own scope and ad wording with FSRA or your principal broker.
Ontario land transfer tax and the Toronto layer
Ontario buyers pay a provincial land transfer tax, and Toronto buyers pay the City's municipal tax on top. For a broker, that makes closing costs part of almost every Toronto purchase inquiry.
- Ontario first-time buyers
- A refund of up to $4,000 on Ontario's land transfer tax, which means no provincial tax on the first $368,000 of an eligible home. Buyers above that price still receive the full $4,000.
- City of Toronto
- Toronto charges its own municipal land transfer tax, and added graduated rates for high-value residential property from 1 April 2026. Its first-time buyer rebate has been capped at $4,475 since 2017, so check the City's page before quoting it.
- What the CMHC says about Toronto
- In its February 2026 outlook CMHC expects starts to stay low as condo starts keep slowing, partly offset by strong rental starts, with sales rising but staying below historical averages.
The first call with a first-time buyer in the GTA should cover these costs early. Sources: Ontario.ca land transfer tax refund page, City of Toronto municipal land transfer tax page and Municipal Code chapter 760, CMHC Housing Market Outlook (10 February 2026).
The Ontario markets we run campaigns in
One Ontario campaign does not fit every city. This is where we would start for each region, as a campaign focus to test and not a promise of volume.
Greater Toronto Area
Toronto, Mississauga, Brampton, Markham and the 905. The biggest pool of buyers, so the ad angle and how fast you call back matter most.
Start with: Toronto mortgage leads, purchase, investment property
Ottawa
A single-city campaign with its own audience. Worth running as its own ad set rather than folding it into the GTA.
Hamilton and Niagara
Commuter and cottage-adjacent markets that sit between the GTA and the border.
Start with: purchase, investment property, bridge loans
Kitchener-Waterloo
A mix of salaried and self-employed borrowers, which shapes the income conversation.
Start with: self-employed, refinance, purchase
London
A mid-sized market that works as a separate ad set, with its own audience and budget.
Start with: purchase, renewal, debt consolidation
Northern Ontario
Sudbury, Thunder Bay, Timmins and the smaller centres. Distances are long, and recreational and rural property often shapes the files.
Start with: cottage and recreational, land and construction, purchase
How Ontario mortgage broker marketing works with us
Choose a managed Facebook and Instagram campaign under your own name, or pay per lead. The campaign form asks for name, phone, email, province and city, how much they have saved and when they want to buy. You confirm the rest on the call. Ads never promise a rate or an approval.
The company behind this site is Amplify Leads, run from Toronto and working with brokers across Canada. Everything is month to month with no long contracts. See how it works, compare other provinces, or book a free strategy call.
Questions brokers ask us
Can a Level 1 mortgage agent take second mortgage or private lender leads?
Generally not on their own. FSRA guidance limits a Level 1 agent to lenders that are financial institutions or approved by CMHC under the National Housing Act, which in practice means banks and credit unions. Private lenders, mortgage investment companies and syndicates need a Level 2 agent or a broker. If you are Level 1, ask for campaigns aimed at purchase and renewal files that suit those lenders, and confirm your scope with FSRA before taking anything else.
What has to appear on an Ontario mortgage ad?
FSRA requires the brokerage's authorized name and licence number to be clearly and prominently displayed on public relations materials, including your website and mortgage-related emails. Agents and brokers also show their licensed name and title. Because the brokerage name and number go on everything, we build that into the ad and landing page from the start. FSRA does not pre-approve ads, so the responsibility sits with you and your principal broker.
Does Toronto's land transfer tax change what a lead looks like?
It changes the conversation. Toronto buyers pay Ontario's land transfer tax and the City's municipal tax on top, and first-time buyers can claim a refund on each. That makes closing costs a bigger question for Toronto purchase inquiries than for a buyer in Sudbury, so expect it on the first call. It does not change the licence rules or what your ad can promise.
Where does power of sale fit in Ontario?
Power of sale is how many Ontario lenders enforce a mortgage in default, and it is the reason homeowners in arrears search for help. Those are sensitive, time-pressured files, and the ad should never promise to stop a sale. Alberta and BC lenders go through the courts instead, so these leads are worded differently there. The details are on our power of sale leads page.
How do I get Ontario leads from Amplify Leads?
Two ways: a managed campaign under your own name, or pay per lead. Leads are exclusive to you and never resold, and the arrangement is month to month. Book a free strategy call and we will talk through the cities and lead types that fit your licence.
See what a campaign would look like in your market
A free 30-minute call. We look at your province, your products and what is already working, and map out what we would build. If it is not a fit, you will hear that too.