Regulatory Info
Mortgage Brokers and Agents in Ontario are licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA). FSRA sets strict standards for licensing, ethical conduct, disclosure, and ongoing education.
Every recommendation we make, every lender we present, and every mortgage we place is shaped by our legal and ethical duty to act in your best interest. From clear communication to informed advice, FSRA’s rules are built around transparency and consumer protection.
Malcolm Stoffman
Mortgage Broker (M10882114)
Real Mortgage Associates Inc. (FSRA 10464)
5675 Whittle Rd. Suite 100,
Mississauga, Ontario L4Z 3P8
905-517-4228
malcolm@mfour.ca
About Malcolm
I’m Malcolm Stoffman, a Mortgage Broker (M18002114) with a deep track record as a financial services executive, strategist and an educator with a sharp legal mind and a passion for helping Canadians make confident mortgage decisions.
With over 25 years of experience in financial services industry including service as a Director on the Board of a Canadian bank, I bring insider-level insight into how lenders think, price, and approve loans. I’ve underwritten, approved, and brokered billions of dollars in mortgages, giving me the expertise to handle everything from straight forward first-time home purchases to complex commercial files.
My academic background includes a Master of Arts (M.A.) in Management and a Master of Laws (LL.M.) in Financial Services Law, a rare combo that blends business strategy with legal precision. That means every recommendation I give is not just well-informed, but also built on a foundation of regulatory compliance, risk awareness, and long-term thinking.
Over the years, I’ve helped thousands of individuals, families, and businesses across Canada navigate the world of mortgages and real estate financing. Whether it’s finding the best rate, unlocking equity, or financing a big dream, I’m here to make it happen, efficiently and with full transparency.
This isn’t just my job. It’s what I do best.
Disclaimers
1. General Mortgage & Financial Information
The content provided on this website, including articles, calculators, tools, and rate tables, is for informational purposes only and does not constitute financial or mortgage advice. While we strive to provide accurate and up-to-date information, mortgage rates, lending policies, regulations, legislation and qualification criteria are subject to change at anytime and without notice. Always consult directly with a licensed mortgage professional before making any financial decisions. You are encouraged to contact Malcolm Stoffman directly at 905-517-4228 for the most complete, accurate and up to date information and analysis as it applies to your unique personal situation and circumstances.
All mortgage calculators on this site are designed to offer helpful estimates based on the information provided by the user. Results are not guaranteed to be accurate, complete, or reflective of actual lender offers. Calculations do not constitute a commitment to lend and may vary depending on credit history, property details, lender policies, and underwriting requirements.
We make best efforts to maintain the reliability of rate information, but we cannot guarantee that the posted rates are the most current or available in all situations. Errors and omissions excepted.
2. Use of Artificial Intelligence (AI)
This website uses AI technologies, including natural language processing and generative tools, to enhance user experience and provide personalized content and assistance. While we aim for high standards of accuracy, AI-generated responses may contain errors, outdated information, or misinterpretations, especially in complex or unique financial scenarios.
AI is not a substitute for licensed advice. Users are encouraged to validate all outputs and consult directly with a qualified mortgage professional before making decisions based on AI-generated content.
3. Advertising Disclosure & Compensation
Some of the mortgage rates, lender listings, and sponsored content featured on this site are paid advertisements. We may receive compensation in the form of referral fees, commissions, or other forms of consideration from certain lenders or financial institutions when users click on links, inquire, or apply for products through our site.
This compensation does not influence our commitment to provide transparent and useful information, but it may impact the placement or prominence of certain rates or listings.
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