My Rates

1 Year 2.44%
2 Years 2.29%
3 Years 2.44%
4 Years 2.64%
5 Years 2.64%
7 Years 3.24%
10 Years 3.79%
*Rates subject to change and OAC
Catherine Morvai Mortgage Agent

Catherine Morvai

Mortgage Agent

7676 Woodbine Avenue, Suite 300, Markham, Ontario











I am a Mortgage Agent with Northwood Mortgage, serving clients in the GTA and Durham/Clarington Regions. You can apply online, call or email me.   I will meet with you where you are most comfortable.


We are here for people like you who are looking to fall in love with their first home, move up to their dream home, consolidate debts or refinance a mortgage using the equity in a home for everything from renovations to startup business costs.

Being affiliated with Northwood Mortgage allows you to relax knowing that you're in the right hands. So get in touch today to achieve your goals tomorrow.


I would like to help you to achieve your financial goals, and save you time and money, by finding you the right mortgage solution for your unique situation.  I commit to providing you with the best possible service.


Northwood Mortgage has access to over 40 bank and non-bank lenders, as well as private lenders.  We have access to lower rates than banks can offer. As well, prepayment penalty calculations can be less costly at non-bank lenders.


I can assist in arranging mortgages for all requirements and situations: 

1st and 2nd mortgages 
Purchases and Improvements 
Debt Consolidation 
Equity Take Out 
Second properties and Vacation homes 
Self Employed 
Reverse Mortgages 
Low Credit or limited credit history 
New Immigrants 
Past Bankruptcies 
Up to 95% Loan to Value 


Don't delay.  Call me today at 416-587-2875.

Visit my mortgage blog at:



BLOG / NEWS Updates

Bank of Canada maintains overnight rate target at 1/2 per cent

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1/2 per cent. The Bank Rate is correspondingly 3/4 per cent and the deposit rate is 1/4 per cent. Uncertainty about the global outlook is undiminished, particularly with respect to policies in the United States. The Bank has made initial assumptions about prospective tax policies only, resulting in a modest upward revision to its US growth outlook. Overall, the global economy is strengthening largely as expected and prices of some commodities, including oil, have risen. The rapid back-up in global bond yields, partly reflecting market anticipation of US fiscal expansion, has pulled up Canadian yields relative to the OctoberMonetary Policy Report(MPR). Bearing in mind the important assumptions embedded in its forecast, the Bank projects that Canadas real GDP will grow by 2.1 per cent in both 2017 and 2018. This implies a return to full capacity around mid-2018, in line with Octobers projection. In the context of a projection that is largely unchanged, the Banks Governing Council judges that the current stance of monetary policy is still appropriate and maintains the target for the overnight rate at 1/2 per cent. Governing Council will continue to assess the impact of ongoing developments, mindful of the significant uncertainties weighing on the outlook. Source: Bank of Canada

Canadian Housing Starts Trend Declined in December

The trend measure of housing starts in Canada was 198,053 units in December compared to 200,105 in November, according to Canada Mortgage and Housing Corporation (CMHC). The trend is a six-month moving average of the monthly seasonally adjusted annual rates (SAAR) of housing starts. CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of Canadas housing market. In some situations analyzing only SAAR data can be misleading, as they are largely driven by the multi-unit segment of the market which can vary significantly from one month to the next. The standalone monthly SAAR for all areas in Canada was 207,041 units in December, up from 187,273 units in November. The SAAR of urban starts increased by 11.8per cent in December to 187,621 units. Multiple urban starts increased by 13.9per cent to 120,750 units in December and single-detached urban starts increased by 8.1per cent, to 66,871 units. In December, the seasonally adjusted annual rate of urban starts increased in Ontario, Quebec and the Prairies, but decreased in British Columbia and in Atlantic Canada.


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