Make Homeownership Easy with the Best Mortgage Broker in Cambridge
Whether you’re buying your first home, refinancing, or investing, our Cambridge mortgage experts will help you find the best rates that suit your needs.
Helping You Find the Right Mortgage with Less Stress and Better Rates
At AJP Mortgage we keep things simple and real so you know exactly where you stand. Whether you’re a first-time homebuyer looking for mortgage pre-approval in Cambridge, renewing or refinancing your mortgage, using a home equity line of credit, consolidating debt, or exploring a commercial mortgage, we’ve got a solution that fits.
We work with dozens of lenders to find you low mortgage rates, fair fixed or variable options, and flexible repayment plans. You’ll get one-on-one help from a local advisor who knows Cambridge’s neighbourhoods and market trends.
We handle the paperwork, explain every fee, and move fast so you don’t miss out. Ready to get started? Let’s talk and find the right mortgage plan for you.
Why Choose AJP Mortgage in Cambridge?
Your Path to Smart Mortgage Choices in Cambridge
- Local Expertise: We watch Cambridge’s market closely so you know exactly when to buy.
- Lender Options: We connect you with 30+ banks, credit unions, and private lenders to find rates that fit your budget.
- Tailored Support: We guide you step by step, at your pace and comfort level.
- Proven Results: Last year we closed over 200 mortgages in Kitchener-Waterloo-Cambridge with 98% happy clients.
- Fast Pre-Approvals: In 24 to 48 hours you’ll know your budget and can shop with confidence.
- Flexible Solutions: First-time buyers, self-employed, newcomers or refinancing, we’ve got you covered.
- Ontario-Wide Service: Based in Cambridge, we help families across Ontario feel right at home.Current Mortgage Rates in Mississauga (2025)
Our Mortgage Services
We offer loan programs tailored to specific business needs. Additionally we assist with mortgage renewal strategies to ensure your financing stays competitive as your business evolves and grows.
Pre-Approval Assistance
Getting pre-approved shows you exactly how much you can afford so you make offers sellers take seriously. You’ll lock in today’s rates before they rise and by having your paperwork ready, you’ll speed up closing day.
Residential Purchase Mortgages
Choose a fixed rate for one to five years if you want predictable payments. If you like flexibility, a variable rate lets you benefit when rates drop and we’ll add rate caps so you’re protected. We’ll work with you to pick the term that fits when you plan to sell, refinance, or renew.
Refinancing Options
Refinance to lower your monthly payments with today’s rates. Or tap up to 80% of your home’s value to cover renovations or pay off higher-interest debts.
Home Equity Line of Credit (HELOC)
Draw on your home equity whenever you need it and repay on your schedule. Our variable rates track prime but include caps and holds so you’re not caught off guard.
First-Time Homebuyer Programs
Learn about grants and incentives like the First-Time Homebuyer Incentive and the Home Buyers’ Plan to reduce your down payment. We’ll guide you step by step from budgeting to getting your keys.
Cambridge Mortgage Market Insights
Curious about Cambridge’s housing market? Here’s what’s driving prices up and what lower interest rates mean for you.
- House prices in Cambridge have gone up by 6.3% over the past year. This shows strong demand and limited homes available for sale.
- Interest rates are coming down, which could mean lower monthly mortgage payments and make buying or refinancing easier.
- The local economy is doing well with steady jobs, helping keep the housing market active.
- Some neighborhoods in Cambridge are still more affordable compared to nearby cities, which attracts first-time buyers and investors.
- Experts think if interest rates stay low, prices might keep rising. But if rates go up or the economy changes suddenly, the market could slow down.
Disclaimer: This information is meant to give you a general idea and is not financial advice. Markets can change quickly and everyone’s situation is different. It’s best to talk to our licensed mortgage expert or financial advisor before making any big decisions.
Documents You Need to Get the Best Mortgage Broker in Cambridge
To get started, we’ll need a few key documents. These help us assess your financial profile and match you with the best mortgage options.
Proof of Income
Recent pay stubs and full tax returns (typically the last two years) help us understand your income and determine how much you can afford to borrow.
Asset Statements
Bank statements and records of any savings, investments, or other assets show your financial stability and support your mortgage application.
Credit Authorization
With your permission, we’ll check your credit score and report. This helps us identify lenders and rates that match your credit profile.
Property Details
Information about the property you are purchasing or refinancing, including the address and purchase agreement.
Identification
A valid government-issued photo ID, such as a driver’s license or passport, is required to verify your identity.
Turnaround Time
Once we receive all the necessary documents, the typical processing time is between three to five business days.
Benefits of Working with AJP Mortgage
Your trusted partner making mortgage decisions simple and stress-free
- Personalized Expert Guidance: A dedicated mortgage professional guides you through every step, ensuring you understand each decision.
- Exclusive Offers: We secure special lender rates and promotions you won’t find on public rate boards.
- Transparent Fees: All fees are laid out up front, so you know exactly what you’ll pay with no surprises.
- Ongoing Support: We assist you after closing with renewals, refinancing options, or future home purchases.
- Tailored Solutions: We design mortgage plans that align precisely with your income, goals, and timeline.
- Fast Process: Our streamlined workflow and proactive document management speed up your approval.
- Wide Lender Network: We partner with a broad range of reputable lenders to give you more borrowing choices.
- Expertise in Complex Cases: From self-employed applications to unique property types, we navigate every challenge.
- Long-Term Peace of Mind: We monitor your mortgage and market trends to help secure your financial future.
Our Mortgage Brokerage Process in Cambridge
Buying a home in Cambridge is easier with a clear mortgage process. We guide you step by step to find the best mortgage that fits your needs and budget.
Initial Consultation
We start by learning about your goals and financial situation. This helps us find mortgage options that fit your needs. We explain everything clearly.
Compare Options
We gather rates and terms from different lenders. We explain the differences so you can choose the best mortgage for you.
Application Management
We handle all the paperwork for you. We make sure your application is complete and submitted on time.
Seamless Closing
We work with your lawyer, realtor, and lender to make the closing process smooth. You can focus on moving into your home.
Ongoing Support
We are here to answer your questions even after closing. We can also help with refinancing or other mortgage options.
Annual Review
Each year, we check your mortgage to see if better options are available. We suggest changes to help you save money.
Guided Process
We guide you through every step. We explain everything in simple terms so you understand your mortgage.
Transparent Updates
We keep you informed at every step. You will always know the status of your mortgage.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
How long does pre approval take?
Once we have your docs, it usually takes three to five business days.
What affects my mortgage rate?
Your credit score, income, debt levels, and the term you pick all matter.
Can I lock in my rate before closing?
Yes. Most lenders let you lock a rate for up to ninety days.
What are the closing costs in Cambridge?
Expect legal fees, appraisal, home insurance, and land transfer tax around one percent of the home price.
What is the difference between fixed and variable rates?
Fixed rates stay the same for your term. Variable rates can go up or down with the market.
Do I need a big down payment?
No. Many first time buyers put down as little as five percent, and some programs can help you out.
Out of 5
What Our Clients Say
Low-Cost Mortgage Success
I came to AJP Mortgage worried about rising rates. They locked me into a three-year fixed plan and saved me nearly two thousand dollars in interest.
Maya Sharma
Big Savings Through Refinancing
I used AJP Mortgage’s rate reduction refinance and cut my monthly payment by four hundred dollars. That saved me over four thousand dollars in a year.
James Broads
First-Time Buyer Experience
I qualified for a down payment grant and their first-time buyer program. I moved into my dream home with minimal cash needed at closing.