Legal
Terms of Use
Last updated June 2026.
Acceptance
By accessing this website you agree to these Terms of Use. The site is operated by Patricia Pinto, Mortgage Agent Level 2 (Licence #M22000988), with Sherwood Mortgage Group Inc. (Brokerage Licence #12176).
Informational purposes only
All content on this site is provided for general information and does not constitute financial, legal or tax advice. Nothing here is an offer or commitment to lend. Mortgage approvals are subject to a full application, lender criteria, and credit and property assessment.
Calculators and estimates
Our calculators are tools for estimation only. Results are approximate, based on the inputs you provide and general Canadian and Ontario rules, and are not a rate quote, pre-approval, or loan approval. Your actual figures depend on your complete application and the lender's terms.
Rates
Any interest rates referenced anywhere on this site are illustrative inputs only and are not offers of credit. Rates change frequently and vary by lender, product, and borrower profile.
Third-party links
This site links to third-party platforms (such as Calendly, Newton Velocity, Beehiiv, and Google). We are not responsible for the content or practices of those sites.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any loss arising from reliance on information on this site. Always confirm details with us directly before making financial decisions.
Contact
Questions? Email ppinto@sherwoodmortgagegroup.com or call (647) 655-1423.