Who We Are



One Of Canada’s Largest Independent Mortgage Brokerages

EMC Mortgages was established in 1994 by Garth Ellis. Over the last two decades, we have grown into one of the largest independent mortgage brokerages in Canada.

We have processed more than 30,000 mortgages in that time. As a result, we’ve gained an enormous amount of experience and knowledge! Not only that, but because of our high volume with our lenders, we can negotiate the best rates for you – our valued clients!


We get the best mortgage solutions for you.

EMC Mortgages has access to a wide variety of mortgage options from virtually every mortgage lender in Canada. So, rather than offering the products from one bank, we evaluate and offer you the products of more than 40 different lenders.

This allows us to offer you competitive rates, with options that suit your individual situation.

At EMC Mortgages we are committed to making your mortgage management process simple so that you save time and money.


Options From Over 40 Lenders – Rather than offering the products of one bank, we evaluate and offer our clients the products of more than 40 different lenders.

Whether you are looking for a mortgage for a first time purchase, a refinance or a renewal, one of EMC’s mortgage brokers can find the right solution for you.

Also, we’re paid directly by the lender, this creates a natural impartiality which we use to determine the best possible solution for your mortgage needs.

Wealth Management

EMC Mortgages can help you in managing your overall financial health.

We have a number of different strategies aimed at improving your long-term financial situation using the idle equity that has been built up in your real estate.

Whether you need to consolidate debts with high interest rates, free up some money for day-to-day living, or take some equity out of your mortgage to diversify your investment portfolio, contact us today to discuss wealth management strategies that optimize your financial situation.

Equity Management

We can also help you with equity take outs for renovations, large purchases, investment diversification or the purchase of additional real estate.

We work closely with our clients even after their mortgage has funded by repeatedly optimizing all of their debts, providing any problem solving services required in relation with their lender and helping them achieve their overall financial objectives.

Home Equity Line of Credit

The Home Equity Line of Credit offers a convenient way to unlock the equity that you’ve built up in your home and use those funds if and when you need them. Use your home equity line of credit to:

  • Renovate your home.
  • Purchase a vehicle.
  • Pay off credit cards.
  • Consolidate debt.
  • Take a vacation.
  • Pay a child’s tuition.
  • Purchase a rental or vacation property.
  • Take advantage of an investment opportunity.

EMC Mortgages is a proud independent member of the VERICO Mortgage Brokers Network. VERICO is a national group of independently owned and operated mortgage brokers who provide expert financing advice and services to property owners across Canada.