Find Your Perfect Home with the Best Mortgage Broker in GTA
From first time buyers to experienced homeowners, the best mortgage broker in the GTA is here to help you find the right solution.
Your Trusted Residential Mortgage Broker for Every Need in Ontario
Owning a home is more than just buying property. It is about creating security, building your future, and finding the right place to call home. When you make this kind of decision, you should have clear advice and access to the best possible mortgage options.
At AJP Mortgage, we are proud to be known as one of the best mortgage brokers in the Greater Toronto Area. Whether you are buying your first home, refinancing your current mortgage, or investing in real estate, we are here to make the process easy and straightforward.
We work with more than 50 lenders to help you find the most competitive mortgage rates in Ontario. Just as important, we take time to understand your goals and offer solutions that fit your situation.
With AJP Mortgage, you can expect honest guidance, strong rates, and support you can count on from start to finish.
Unlock the Door to the Best Mortgage Deals in GTA
Expert Guidance for Stress-Free Home Financing
It can be hard to figure out the mortgage market on your own. That’s why AJP Mortgage works with top lenders to offer you low rates, a variety of payment options, and a simple application process.
- Lowest interest rates tailored to your needs
- Transparent and straightforward loan terms
- Custom mortgage solutions for first-time buyers, refinancers, and investors
We make sure that getting a mortgage is easy and stress-free because we are the best mortgage broker in Ontario.
Current Mortgage Rates in the GTA (2025)
Disclaimer: Mortgage rates change quickly. For the latest numbers and to find the right fit for you, reach out to one of our brokers any time. At AJP Mortgage, we’re here to help you make the smartest choice with confidence.
Fixed rate mortgages
Starting at 4.79%. Great if you want steady, predictable payments over your entire term.
Variable rate mortgages
Between 5.15% and 6.00%. You might save if rates drop, but payments can rise if rates go up.
Short‑term vs. long‑term
Short‑term fixes often start lower but last only a few years. Long‑term fixes lock in your rate for longer, giving you more stability.
Prepayment options
Many mortgages let you make extra payments without penalty—an easy way to pay down your balance faster and save on interest.
Rate lock‑in
If rates are rising while you shop, you can lock in today’s rate for a set time, protecting you until your mortgage closes.
Government programs
First‑time buyers and those refinancing may qualify for special incentives or lower‑rate programs.
Economic factors
Inflation, job markets and Bank of Canada decisions all influence mortgage rates. Watching these can help you pick the best moment to lock in.
What Affects Your Rate?
Getting a good mortgage rate can save you a lot over time. Here are a few things that can affect the rate you’re offered:
- Your credit score: Lenders look at your credit score to see how well you manage money. A higher score usually means a better rate.
- Fixed or variable rate: Fixed rates stay the same over time. Variable rates can change but might start lower.
Down payment: The more you put down, the less you need to borrow – and that can help you get a better rate. - Type of mortgage: Whether you’re buying your first home, refinancing, or investing, the rate may vary depending on your situation.
- The economy: Things like inflation and decisions by the Bank of Canada can cause rates to go up or down.
- Length of mortgage: A shorter mortgage term can come with a lower rate, but the payments will be higher.
- Your income and job: Lenders want to see steady income and work history – it helps show you can handle the payments.
- Your other debts: If you don’t owe much elsewhere, you’re more likely to qualify for a better rate.
Understanding the Costs of Working with a Mortgage Broker
Getting a mortgage doesn’t have to be complicated. Here’s how we guide you through the process with clarity and care:
Mortgage Broker Fees
Some mortgage brokers charge a fee up front, while others are paid directly by the lender. At AJP Mortgage, we make sure all costs are clearly explained and that you receive fair, competitive rates.
Lender Fees
These may include processing, underwriting, and administrative fees. The amount can vary depending on the lender and the type of mortgage.
Legal Fees
A real estate lawyer is needed to handle your home purchase, review contracts, and transfer the title. Legal fees are a standard part of the home buying process.
Appraisal Fees
Lenders may ask for a property appraisal to confirm the home’s value. Appraisals usually cost between $300 and $600 depending on the location and type of property.
Mortgage Insurance
If your down payment is less than 20%, mortgage default insurance is required. This protects the lender and is added to your mortgage.
Prepayment Penalties
Some mortgages include a penalty if you pay off the loan early. We help you understand these details so you can choose a mortgage that fits your long term plans.
Is a Mortgage Broker Right for You?
Choosing the Best Mortgage Broker in GTA is a smart move if
You want access to top-tier mortgage rates without stress.
- You need expert advice on complex mortgage processes.
- You prefer to compare multiple lender options to secure the best deal.
- You’re self-employed or have non-traditional income sources.
- You value a smooth, hassle-free mortgage approval process.
Want to become a mortgage expert? Explore our Best Mortgage Broker Course in Ontario for in-depth industry training!
Step-by-Step Guide to Getting a Mortgage with AJP Mortgage
From start to finish we offer support and smart options to help you feel confident and ready to move forward.
Apply Online
Fill out a quick and safe online application to get started on the path to home financing.
Submit Your Details
Give us important information about your finances and property so that we can accurately determine if you are eligible for a mortgage.
Get a Mortgage Consultation
Our mortgage experts look over your information and put you in touch with the best lenders to get the best rates.
Review Loan Options
You can find the best way to get the money you need by comparing different mortgage types, interest rates, and terms.
Submit Documentation
To speed up the mortgage approval process, upload important documents like proof of income and information about the property.
Get Approved Fast
Take advantage of an easy, expert-led approval process that makes sure your mortgage is approved quickly and easily.
Close Your Mortgage
Sign the papers with the Best Mortgage Broker in Ontario, and then you can move into your new home without any stress.
Ask Questions and Get Clarity
Not sure which option fits best? Our team is here to answer your questions, explain the fine print, and help you feel confident before moving forward.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What does a mortgage broker do?
A mortgage broker helps you find the best mortgage by comparing options from different lenders. They handle the paperwork and guide you through the process, making everything easier.
Why use a GTA mortgage broker?
A local broker knows the GTA market and can find you better rates and options from local lenders. They make sure you get the best deal for your situation.
Why choose AJP Mortgage?
We put you first. We listen to your needs, offer honest advice, and make sure the process is simple and stress-free. Our goal is to help you make the right decision for your future.
Are there any costs for using a broker?
Most of the time, lenders pay the broker’s fee. If there’s any cost, we’ll let you know upfront, so there are no surprises.
Can you help if my credit isn’t perfect?
Yes, we can. We work with lenders who can help you find a mortgage, even if your credit isn’t perfect.
How do I get started?
Just reach out! We offer a free consultation, answer all your questions, and help you figure out the best next step.
Out of 5
What Our Clients Say
Smooth and Easy Process
I was nervous about buying my first home, but AJP Mortgage made the process so easy. They took the time to explain everything and helped me find the best rate. I felt supported every step of the way!
Emily Richardson
Excellent Service and Guidance
The team at AJP Mortgage was fantastic. They really listened to my needs and found me a mortgage that worked for my situation. I couldn’t be happier with the service and the rate they secured for me.
Michael Leeds
Highly Recommend for Anyone Looking to Refinance
Refinancing was a big decision for us, but AJP Mortgage made it so much easier. They helped us find a better rate and explained all our options clearly. I would highly recommend them to anyone looking to refinance!