You have located the right home and next you'll will need the best mortgage loan. Where can you find this? Who should you talk to? You can use the services of all the banks in your area, applying for a mortgage loan from someone that deals with GIC's, home insurance, savings accounts, RRSP's and anything else you will imagine. Or you could see about using the complimentary services of an Ontario broker. Costless to you, a mortgage professional will look at all mortgage lenders in Canada for your very best deal, your best rate, and ultimately your very best mortgage.