Aristo Ariyaratnam is a licensed Principal Mortgage Broker serving Toronto, the GTA, and Ontario. Whether you need a mortgage renewal, refinancing, a private mortgage, or a B lending solution, Aristo delivers expert, personalized strategy built around your goals, not just a rate.
With over 15 years of experience in Toronto's mortgage market, Aristo Ariyaratnam has helped hundreds of clients navigate purchases, renewals, refinancing, and complex lending scenarios across the GTA and Ontario.
As a Principal Mortgage Broker in Toronto, Aristo has deep relationships with A lenders, B lenders, and private mortgage investors — giving clients access to solutions that most bank advisors simply can't offer. From first-time home buyers in Toronto to seasoned investors seeking private mortgage financing in the GTA, Aristo structures deals with precision and professionalism.
Not everyone fits a standard bank profile — and that's exactly where Aristo excels. Whether you're self-employed, have bruised credit, need a fast bridge mortgage, or are approaching a mortgage renewal in Ontario, Aristo delivers a clear strategy and fast execution.
Access to a full spectrum of mortgage products — tailored to your unique situation, income, and timeline.
Traditional mortgage solutions from major banks and credit unions. Best rates for strong credit profiles and stable income documentation.
Alternative lending for those who don't fit traditional criteria. Flexible underwriting for self-employed borrowers and unique situations.
Fast, asset-based lending solutions. Ideal for time-sensitive situations, complex financial scenarios, and bridge financing needs.
From first conversation to keys-in-hand — clear steps, fast communication, no surprises.
We discuss your goals, timeline, and financial situation to understand your unique needs.
We review key documents and identify the strongest options across A, B, and private lending.
You get a clear plan: product fit, rate expectations, timelines, and next steps.
We secure approvals and walk you through every detail before you sign.
We coordinate with lenders, lawyers, and stakeholders to close smoothly and on time.
Real experiences from real GTA homeowners and real estate professionals.
As a realtor I have incredible faith in Aristo and his team. They not only provided exceptional service and care when dealing with my clients, they take the time to carefully explain the entire mortgage process. Aristo and his team work closely with my clients, collecting all the necessary data, walking them through their options, communicating with them daily, providing updates to me, and working tirelessly to ensure nothing goes wrong till they have the keys to their new home.
We presented Aristo with what looked like an impossibility but he made the process easy and positive for us. He truly knows the mortgage business well. Aristo kept us informed during the whole process. He's an effective communicator, and we greatly appreciated being notified with the details. Not only is he professional but he is kind and very understanding which took the stress down. Impossible circumstances don't make The Mortgage Man back down.
Aristo and his team helped us secure a mortgage for our dream home in this tough and fast paced housing market. He was extremely thorough and knowledgeable. He was always available to answer all of our questions. He took the time to go through our options and helped us find what suited us best. What I particularly appreciated was how he proactively made sure we had all the necessary paperwork in place so on closing everything went smoothly.
Answers to the most common questions we get from clients across Toronto and Ontario.
Aristo offers a complete range of mortgage solutions in Toronto and across the GTA: A lender mortgages (major banks and credit unions), B lender mortgages for alternative situations, private mortgages, mortgage renewals, refinancing, bridge financing, and first-time home buyer programs.
Absolutely. Aristo specializes in B lending and private mortgage solutions for self-employed borrowers, newcomers to Canada, those with bruised credit, and anyone who doesn't fit traditional bank criteria. These are some of the most common scenarios he handles across the GTA.
Aristo serves clients across Toronto, Markham, Mississauga, Brampton, Vaughan, Scarborough, North York, and all communities throughout the Greater Toronto Area and Ontario.
Start reviewing your mortgage renewal options at least 90–120 days before your term expires. Aristo will shop your renewal across A lenders, B lenders, and other channels to find you the best rate — not just the offer your bank sends in the mail.
Yes. Aristo Ariyaratnam holds FSRA license #M11000280 as a Principal Broker under Magellan Capital Network (Brokerage License #13521), fully regulated by the Financial Regulatory Authority of Ontario.
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