Barrie, Ontario · Serving all of Ontario

Mortgage agents in Barrie who explain the numbers before you commit.

The Taylor Team is Cole and Holly Taylor, licensed mortgage agents with Anthem Mortgage Group. We tailor mortgage financing solutions that suit your needs, not the bank's.

Start your mortgage plan Call (705) 795-6678

5.0 on Google from 92 reviewsLicensed with Anthem Mortgage Group, FSRA #10294

Holly and Cole Taylor, mortgage agents in Barrie, Ontario

Cole Taylor · Mortgage Agent Level 2
Holly Taylor · Mortgage Agent Level 2

We do not work for a bank. We work for you, and in most cases the lender pays us, not you. If that is ever different, you will know in writing before anything else happens.

Based in Barrie, working with clients across Ontario
Licensed to originate mortgages in every province and territory except Quebec
Monday to Friday, 9 am to 5 pm Eastern

What are you working toward?

Pick the one that fits. Each page tells you what to expect, what to prepare, and the questions people ask us first.

Buying a homeFirst home or next home, from pre-approval to the keys. Down payment rules, closing costs and the programs you may qualify for, explained before you offer.See how buying works →Renewing your mortgageYour lender's renewal letter is a starting point, not the answer. You can start comparing 120 days before maturity, and you do not have to stay.See how renewals work →Refinancing or switching lendersUse your equity, consolidate higher-interest debt, or move to a lender whose terms fit you better. We show the cost of breaking your term before you decide.See how refinancing works →

What working with us looks like

No forms you do not understand, no surprises at the lawyer's office. Here is the whole process in three steps.

You deal with Holly or Cole directly, start to finish.

Step 1: Tell us what you are working toward
Three short steps online, or a phone call. Timing, rough numbers and what matters to you. No credit check at this stage.
Step 2: We compare lenders and write it down
You get a short written summary of your options: payment, term, penalties and what each one assumes about you.
Step 3: You decide, we handle the paperwork
Application, documents, lender conditions and the hand-off to your lawyer. We stay on it until the funds are advanced.

Calculator

See a real example, then make it yours

Canadian rules built in: minimum down payment, default insurance and its Ontario sales tax, land transfer tax, and what the stress test does to what you can borrow.

Open the calculator

$650,000 home
10% down
4.79% example rate
25 years

Estimated payment

$3,436 / month

Mortgage before insurance: $585,000
Default insurance (3.10%): +$18,135
Ontario land transfer tax: $9,475
Cash needed at closing, before legal fees: $75,926

Example rate, not a quote. Estimates only, not financial advice or an approval. Insurance premiums use CMHC's published rates as of October 2026.

Reviews

What clients say

5.0Read all 92 reviews on Google

“Holly and Cole went above and beyond to secure the right mortgage for me. They explained everything clearly, kept me updated, and walked me through every step as a first time home buyer with patience and clarity.”
Alex G. · Google review · first-time buyer
“My wife and I have been working with Holly and Cole as our mortgage brokers since beginning with our 1st house mortgage over 20 years ago. Very professional, personable, and helpful through the process of setting up all our mortgage needs.”
John P. · Google review · client for over 20 years
“Holly and Cole have helped us with multiple mortgages for over 20 years and for multiple generations of our family. I would 100% recommend Holly and Cole for anyone in arranging a mortgage.”
Christie H. · Google review · multiple generations of one family

Reviews are quoted from the Google Business Profile listed as Holly & Cole Taylor Mortgage Solutions, the same team.

Questions people ask us first

Plain answers, written by us and checked against the current rules. The full list and our guides are one click away.

All questions Mortgage guides

How much down payment do I need?

In Canada the minimum depends on the purchase price. For homes up to $500,000 it is 5%. For the portion between $500,000 and $1,499,999 it is 10%. For homes at $1,500,000 and above it is 20%. With less than 20% down, the mortgage carries default insurance. We walk you through the options that apply to your situation.

Is there a cost to work with The Taylor Team?

For most transactions there is no cost to you. Lenders pay us when your mortgage closes. In some lending situations a broker fee may apply, and it is disclosed and agreed in writing before any commitment. You will never be surprised by a fee.

Do I need to renew with my current lender?

No. At renewal you are free to shop around and switch to a different lender, often at no cost. Most lenders send a renewal offer about 21 days before maturity, but starting 120 days early gives you time to compare and negotiate. We can review your renewal offer against current options.

What is the stress test?

Lenders qualify you at the higher of your contract rate plus 2% or 5.25%. It applies to new insured and uninsured mortgages and is designed to confirm you can handle payments if rates rise. It lowers the amount you can borrow compared with a simple payment calculation, which is why pre-approval matters.

How long does the mortgage process take?

For a purchase, expect 2 to 6 weeks from pre-approval to closing, depending on the lender and property type. Renewals and refinances typically take 2 to 4 weeks. We outline each step and confirm the timeline for your situation.

Tell us what you are working toward.

Three short steps, about two minutes, no credit check. You will hear from Holly or Cole, usually within one business day. Prefer to talk? Call us, Monday to Friday 9 to 5.