About Us

Our knowledge of mortgages and the financial industry, combined with our desire to help you succeed, is what sets us apart from our competition and is what makes us different.

CMP Mortgage Awards

Graeme Moss

Mortgage Broker

I founded Fair Mortgage Solutions in 2005 with the goal of helping people with their finances and manage their wealth. I am fortunate to be in a position where I can blend my work with what I love to do, which is resolving problems and give people direction for their financial futures.

Before founding Fair Mortgage Solutions, I worked at CIBC, where I learned first-hand all about lending and investment. This experience sparked my passion for investing and I chose to pursue this path, despite a pay cut. I went on to earn honours in the Canadian Securities course and left my comfortable position with the bank to go independent and create my firm.

We grew as a company until the Financial Crisis of 2008. The staff members were all given the option of leaving during these difficult economic times, but we all rallied together and weathered the storm. I am proud of the strength we displayed during this time.

Throughout my career, I have received a number of CMP (Canadian Mortgage Award) nominations for broker of the year, in the categories of complex work and community service effort. In 2014, I was honoured to receive the CMP Awards for Broker of the Year for complex work.

Although I love my work, I’m not only about mortgages. I am the proud father of a daughter and a son. I love to travel internationally and experience the cultures and lifestyles around the world.

Mortgage Award Recognitions:

  • 2021 CMA Finalist Broker of the Year – Private Lending
  • 2019 Finalist Alternative Lending Broker of the year (all for Canada)
  • 2018 Finalist Alternative Lending Broker of the year
  • 2018 Finalist CMP Award Private Lending Broker of the year
  • 2016 Finalist Alternative Lending Broker of the year
  • 2015 Finalist Best Community Service Effort
  • 2014 WINNER Alternative Lending Broker of the year.
  • 2012 Finalist Broker of the year for fewer than 25 employees

Mortgage Articles

Community Comes First CMP 2014 Broker of the year for Alternative Lending Growing Through Giving Back Best in the Business

What makes us Different

We believe that keeping the client informed through the process is key in maintaining a healthy relationship with the client, the lender and ourselves. Clients will attain general knowledge of credit, how credit scores affects their ability to borrow as well as how to maintain a good score once one is achieved. Our agents have a vested interest in keeping the client informed throughout the process as well as maintaining an ongoing relationship where clients are updated on upcoming market trends that they may not be aware of.

We provide a non-judgemental environment for clients to feel secure in discussing finances. We have an open door policy when communicating with clients about their concerns and needs. By applying this, clients can build a trusting relationship without feeling they are evaluated on past circumstances. Your life situation is the foundation that we are building upon. Strengthening your whole world, not only the rate on your mortgage is important to us. We care about the lives our clients have had and will have.


People we’ve helped.

  • I first met Graeme over the phone when we were living in Hamilton and finding it difficult to make our payments. He was so helpful and we knew he genuinely wanted for us to be successful. Ever since, we have gone to him when purchasing a new home or refinancing because we trust him and we know he cares. He always goes above and beyond to help us when we need it. We went from struggling to make payments to living in our dream home in a few short years.  I truly believe that it is because of his knowledge and passion for helping people build their futures that we are where we are today. Thank you, Graeme!!

    M. V. Hamilton, ON
  • Thank you Graeme, for everything you did to help us with our mortgage, for your patience with my questions and professionalism. We truly appreciate yours and Deborah’s efforts on our behalf.  We’ll be sure to recommend you to anyone we know who needs help like we did. Thanks so much for everything.

    J. M. Hamilton ON
  • Graeme Moss has provided stellar customer service and was a key player in ensuring due diligence. It was both a pleasure & very professional dealing with Graeme when I turned to Fair Mortgage Solutions seeking an interim solution.  He, once again was very accurate in advising me, he is not a lawyer. What prompted me to negotiate the legal fees was associated to why this crucial “matter” between legal departments was not finalized in 2017.  Moving forward, Graeme’s diligence directed me immediately to the right department. Your department honoured negotiating and we established completion of the task at hand, the Discharge of the MTG. Thank you!

    K. W. Burlington, ON
  • We refer clients to Graeme who are either having serious financial issues, or are recovering from a bankruptcy or proposal filing. They are challenging situations. I can count on Graeme to treat people with compassion and respect. I trust that if there is a mortgage solution to be found, Graeme will make it happen. He truly cares about people and helps them to succeed.

    Christine Zuk President, Vine and Williams Inc.
  • You and your team are awesome. You truly care and you saved my life. Thank you.

  • This is great. We were so worried. Hearing how others helped who were in a similar situation. This is a godsend. We appreciate the roadmap. Glad it is within 3 days. The advice free, can’t go wrong.

    H.H Mississauga
  • My wife and I were stunned at the speed you got this done. The fee was very low. We are thrilled. Thank you for your help!

    D.H. St. Catharines
  • You guys are friggin awesome! We feel so happy. Thank you so much.

    S.R. Oshawa
  • You have been a godsend. An absolute godsend. I can finally sleep at night. My children thank you. We have 6 options instead of being forced what to do.

    L.E. Mississauga
  • I'm a first time home buyer and had a very positive experience working with Graeme Moss, he gave good advice and made the process very easy.