MORTGAGE REGULATORY DISCLOSURE & LEGAL DISCLAIMER
Top Mortgages Inc
Last Updated: November 13, 2026
1. Licensing & Regulatory Information
Legal Name: Top Mortgages Inc
Operating Name (if applicable): Top Mortgages Inc
License Number: available on request
Province(s) of Authorization: Ontario
Regulatory Authority: Financial Services Regulatory Authority of Ontario (FSRA)
Top Mortgages Inc is authorized to conduct mortgage business only in jurisdictions where properly licensed.
Nothing on this website constitutes a solicitation of mortgage services in any province or territory where we are not licensed.
You are encouraged to verify our licensing status directly with the applicable regulator.
2. Nature of Services
We may act in one or more of the following capacities:
☐ Mortgage Agent
☐ Mortgage Broker
☐ Mortgage Brokerage
☐ Private Lender
☐ Other: __________
We facilitate mortgage transactions by connecting borrowers with lenders.
We do not directly underwrite loans unless expressly stated.
3. No Guarantee of Approval or Rates
Nothing on this website constitutes:
- A binding offer of credit
- A mortgage approval
- A pre-approval
- A commitment to lend
- A rate guarantee
Mortgage approvals are subject to:
- Credit review
- Income verification
- Debt service calculations
- Property appraisal
- Lender underwriting policies
- Regulatory compliance requirements
Interest rates, terms, and product availability may change without notice.
4. Lender Relationships & Compensation Disclosure
We may receive compensation from lenders in the form of commissions or fees upon successful funding of a mortgage.
In some transactions, fees may also be payable by the borrower.
Compensation structures vary depending on lender and mortgage product.
Not all lenders in the marketplace are available through our services.
We do not guarantee access to every mortgage product or lender.
5. Informational Purpose Only
Website content, including:
- Mortgage calculators
- Blog posts
- Educational materials
- AI-generated responses
- Automated tools
- Email communications
Is provided for general informational purposes only.
It does not constitute financial, legal, or tax advice.
You should obtain independent professional advice before making financial decisions.
6. Artificial Intelligence & Automated Tools Disclosure
We may use artificial intelligence (“AI”) tools to assist with:
- General information responses
- Initial client intake
- Appointment scheduling
- Document collection
- Administrative support
AI systems:
- Generate automated responses
- May contain errors or omissions
- Do not replace licensed professional review
- Do not issue approvals or commitments
You should not rely solely on AI-generated information when making financial decisions.
All final mortgage advice is subject to review and confirmation by a licensed representative.
7. Third-Party Lenders & Independent Decisions
All lending decisions are made exclusively by lenders.
We are not responsible for:
- Lender underwriting decisions
- Mortgage declines
- Changes in lender policies
- Funding delays
- Independent third-party requirements
8. Cross-Jurisdiction Limitation
Mortgage products described on this website may not be available in all provinces.
We provide services only within jurisdictions where legally authorized.
9. No Client Relationship Until Formal Engagement
Accessing this website, submitting a form, interacting with AI systems, or uploading documents does not create a broker-client relationship.
A formal relationship is established only after:
- Required regulatory disclosures
- Written confirmation
- Compliance procedures
10. Limitation of Liability
To the fullest extent permitted by law:
Top Mortgages Inc shall not be liable for:
- Indirect or consequential damages
- Reliance on general website information
- Reliance on AI-generated content
- Changes in market rates
- Lender decisions
- Regulatory changes
Nothing in this disclaimer limits statutory rights under applicable mortgage legislation.
11. Contact Information
Top Mortgages Inc
1699 Lakeshore Rd W, Mississauga, Ontario, L5J 1J4
(416) 873-6660
mortgage416@gmail.com
If you have questions about our licensing status or services, please contact us directly.