What a luck on your part. I am from Toronto and I am on my second-year mortgage grind. And it has been pretty good so far all thanks to the brokers I found. Well, I didn't found them to be honest, I did the same thing you do, I asked a question on some forum got a couple of links and settled with the guys I settled with, heh. And of course I can recommend them to you. Check the mortgage brokers here.