5 Year rate special 5.49% (25-year amortization)

I have access to a vast array of mortgage options and can find the perfect fit for you. Contact me today, I’m always here to chat about your mortgage needs.

Looking for our current rates?

Our lending rates are extremely competitive because ‎of our network of mortgage lenders that include major banks, trust companies, mortgage investment companies and private funds. We offer up to 95% insured first mortgage financing, conventional first and second mortgage financing as well as equity lending for people who simply cannot get bank financing.

Royal Financial Services does not solicit anyone for mortgage or lending business and does not have any agents working on my behalf. Please DO NOT respond to any messages that are not from me personally and that you are not expecting from me.


Our lending rates are extremely competitive because of our network of mortgage lenders that include, major banks… trust companies… mortgage companies and private funds.


There is no substitute for being prepared. Educate yourself and get the facts you need to make the right mortgage decision and increase your home buying confidence. Ensure you get the best product and best rate to suit your needs. We have provided lots of information on our website to help you. Please feel free to contact us with any questions you may have.

I'm here to help.

For over 26 years, I have been providing professional mortgage advice to my customers. I am a licensed broker in good standing with The Independent Mortgage Brokers Association. I have demonstrated service excellence in the financial industry gaining my experience with 2 major financial institutions prior to opening Royal Financial Services Inc. in April 1991.
I would like to say thank you so much for your help that I was able to get guaranteed lower old rate when the rates were going up. You navigate my financing part to purchase a home successfully despite so much paperwork that I wasn’t aware of as an innocent first-time buyer.
We look forward to a continued relationship and I would highly recommend you to my friends and love ones.
God bless you and your company.

Home Owner

Robert and I would like to take this moment to reflect on the wonderful experience we had with Anne Perala.
Two years ago we needed to refinance our mortgage for our house and were referred to Anne Perala at Royal Financial Services Inc.
Anne immediately advised us of what we needed to provide her to get us from a B-lender to a bank and lower rate.
We are very grateful for all the Anne has done for us. She always informed us of the progress every step of the way and was very informative throughout the entire process.
My husband and I are always recommending Anne to whoever needs help with purchasing a new home or needs financing. Truly Anne has made our lives so much easier than ever before. We couldn’t have done it without her experience and expertise.
Thank you, Anne, for all that you have done.
Rose & Robert

Whitby Home Owner

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