Secure Your Dream Home with the Best Mortgage Broker in Mississauga
Smart Mortgage Solutions for First-Time Buyers, Refinancers & Investors
Buying a Home in Mississauga? You Don’t Have to Do It Alone
Buying a home should feel exciting, not exhausting. But between the endless paperwork, unfamiliar terms, and waiting on lenders, the process can feel more confusing than it should.
It’s even tougher if you’re buying for the first time, working for yourself, new to Canada, or trying to stick to a tight budget.
That’s where AJP Mortgage steps in.
We take the guesswork out of mortgages and help you understand what’s actually possible. No pressure. No jargon. Just honest advice, clear steps, and someone in your corner the whole way.
We’ll walk you through how much you can afford, help you get pre-approved, compare lenders, and sort through your options with confidence. And we’ll explain everything in plain language so you always know what’s happening and why.
You focus on the home. We’ll take care of the rest.
Meet Andrew Patricio
Licensed Level 2 Mortgage Broker (FSRA #10349)
As a mortgage professional, I’ve helped families, investors, and newcomers in Mississauga understand Canada’s lending system and find the right mortgage fit. I don’t believe in cookie-cutter solutions. I believe in honest advice, clear steps, and a plan that makes sense for you.”
With over 10 years of experience, I’ve worked with all kinds of clients. From first-time buyers to seasoned investors, I take the time to listen, explain your options in simple terms, and help you move forward with confidence.
- Access to 50+ lenders including banks, credit unions, and private lenders
- Clear and honest communication from start to finish
- Quick responses and smooth application process
- Serving Mississauga, Toronto, Brampton, and nearby cities
Whether you’re buying your first home, refinancing to free up cash, or planning your next big step, I’m here to guide you with a strategy that fits your life.
We’re With You If You’re...
We don’t believe in cookie-cutter mortgage advice. Every client is different, and so are their goals. Here’s who we typically guide in Mississauga:
First-Time Homebuyers
You're tired of renting and ready to build something of your own. But where do you even start? Mortgage terms can sound like a different language. We walk you through every step, from checking your credit and building your budget to getting pre-approved and closing on your first home with confidence.
Real Estate Investors
Whether you're expanding your portfolio or just entering the market, timing and structure are everything. We help you access fast, flexible, and strategic financing that supports your goals and maximizes your returns. From rental properties to flips, we’ll help you run the numbers right.
Homeowners Looking to Refinance
Maybe you want lower payments, or maybe you need to tap into your home equity. Whether you're consolidating debt, funding a renovation, or just want a better rate, we help you restructure your mortgage so it fits your life today and not just the terms you signed years ago.
Self-Employed Borrowers
Being your own boss shouldn't make it harder to qualify for a mortgage. We know how to present your income clearly and work with lenders who understand how self-employment works. No unnecessary roadblocks, just solutions that make sense.
Newcomers to Canada
If you’ve recently moved to Canada and want to buy your first home, we help you navigate the process with clarity. Even if your credit history is limited or your documents are still settling, we work with lenders who welcome newcomers and offer programs designed for your situation.
Clients with Challenged Credit
Life happens, and credit scores don’t always tell the full story. If you've had past issues with debt or missed payments, we help you explore options that give you a fresh start without judgment. There are more paths forward than you think.
What Are the Core Challenges Faced by Homebuyers in Mississauga?
Let’s be honest. Getting a mortgage in Mississauga isn’t always simple. Here are some real challenges buyers face:
- Mortgage Terms Are Confusing: Fixed, variable, open, closed. It’s easy to get lost.
- Too Many Lenders: Choosing from 100+ options can feel overwhelming.
- Down Payments Are Tough: Saving enough is harder with rising prices.
- Low Credit Scores Hold People Back: Even small issues can affect approval.
- Banks Push Their Own Products: That may not be what’s best for you.
- Approval Chances Are Unclear: Many don’t know when or how to apply.
- The Paperwork Is a Lot: Most people don’t know where to start.
- It’s Easy to Doubt Yourself: Many buyers worry about making mistakes.
The good news? You don’t have to figure it out alone. We’re here to guide you every step of the way.
How AJP Simplifies Mortgages in Mississauga
We live here. We’ve helped people just like you. And we know how overwhelming it can feel to take that first step. But you don’t have to do this alone.
We Listen Before We Advise
Before anything else, we take time to understand your story, goals, income, and concerns. We don’t believe in cookie-cutter solutions. We help build the right fit around you.
We Search 40+ Lenders for You
Some lenders may charge processing or underwriting fees, even if our brokers get you the best rates. We make sure everything is clear so you know the costs before you sign.
We Simplify the Mortgage Process
From terms like amortization and pre-approval to the fine print in your contract, we explain everything in plain language so you’re always in the know.
We Guide You Every Step
You won’t be passed around or left wondering what’s next. From your first question to final closing, we guide every step and always stay connected.
We Give Advice Without Pressure
You’re free to ask questions, explore your options, and take your time. We don’t push products or follow up with endless calls. We’re here when you’re ready.
We Find Solutions and Stick With You
If things get tricky or a lender says no, we don’t quit. We explore other options, speak up for you, and stay in your corner till it’s sorted.
Why Mississauga is One of the Best Places to Call Home in Ontario?
Where Community Meets Convenience, and Home Feels Just Right
Mississauga offers the perfect mix of city convenience and suburban comfort. Located just west of Toronto, it’s one of the fastest-growing cities in Ontario, and for good reason.
- A great place to feel close to the city but still breathe easy
- Neighbourhoods that feel like home the moment you arrive
- A strong sense of community where people actually say hello
- Everything you need is just around the corner
- A place where families grow and friendships stick
- It’s busy, but never too busy to enjoy the little things
- Mississauga gives you room to dream, plan, and build your future
Mississauga is more than just a place to live. It is a city where you can build, grow, and truly belong.
Got Questions? Clear Them in Your Own Time with Our Home Buying Guide
We’re already here to walk you through everything, but if you want to take a quiet moment and understand things on your own, we’ve made it easy.
Our Home Buying Guide is designed for Mississauga buyers who want clear, simple answers to the most common questions like:
How much mortgage can I get approved for in Mississauga?
It depends on your income, credit score, debt level, and down payment. Most lenders use GDS and TDS ratios to determine your limit. We run the numbers for you during your first consultation.
Can I buy with bad credit?
Yes. We work with alternative and private lenders who accept lower credit scores. We’ll also help you rebuild your credit while still planning to buy.
How long does the mortgage approval process take?
Typically 3 to 7 business days. But we can often secure pre-approvals faster if your documents are ready.
Should I go with a bank or mortgage broker in Mississauga?
Brokers offer more flexibility. Instead of one bank’s options, we bring you multiple quotes and help you find the best overall fit, even if your situation is complex.
What if I’m self-employed or a new immigrant?
We’ve helped many self-employed and newcomers get approved. There are special programs, and we know which lenders offer them.
Everything is explained in plain English, with local insights, real-life examples, and up-to-date info.
What to Look for When Buying a Home in Mississauga?
Smart tips from locals who’ve done it before!
It’s easy to fall in love with a house, but harder to know if it’s truly right for you. That’s why looking beyond the photos and digging into the details can save you stress later.
- Spend time in the area. Walk around, visit a local café, talk to neighbours if you can. The vibe matters more than it looks on a listing.
- Even if you don’t have kids, check out the nearby schools. Good schools often mean a stronger community and better resale value.
- Ask what the real monthly costs are. Things like taxes, heating, hydro, and insurance can shift your budget quickly.
- Think about your daily routine. Is the commute manageable? Are groceries, parks, or transit close enough to keep life simple?
- If there’s a basement, ask about rental potential or how easy it would be to finish later. Flexibility can go a long way in the future.
- Look out for signs of upcoming construction or rezoning nearby. What’s quiet now might not stay that way for long.
- Be honest about how long you want to stay. Short-term plans and forever homes call for different choices.
- And get your pre-approval in place early. It’s not just about numbers. It gives you peace of mind and puts you in a stronger spot when you’re ready to move.
The best decisions come from clarity, not pressure. If you’re unsure, we’re always here to talk it through.
The 8-Step AJP Mortgage Process
Not sure how this whole mortgage thing works? We’ve broken it down so you know exactly what to expect, from your first question to getting the keys.
Initial Free Consultation
Ask us anything. No pressure. Just a real conversation to understand your goals and help you figure out the right path forward.
Credit and Budget Check
We review your income, debts, credit history, and budget to give you a clear picture of what’s possible and what might need work.
Pre-Approval Strategy
We don’t just send in applications. We build a strong file and match it with lenders where your chances are better and the terms make sense.
Lender Shopping and Comparison
You get more than just rates. We break down the options, explain what works and why, and help you choose what fits your needs best.
Document Collection Made Easy
No guessing or back-and-forth. We tell you exactly what’s needed, how to send it, and we review everything before it goes out.
Approval and Commitment
Once approved, we walk you through the lender’s conditions and explain the commitment letter so you’re never left confused.
Final Checks and Lawyer Coordination
We stay in touch with your real estate lawyer and make sure all final steps are handled properly and on time.
You Get the Keys
Everything comes together. You close the deal, pick up your keys, and step into your new home knowing it was all done right.
Real Answers to Common Questions
Find the Information You Need to Make Informed Decisions.
How much mortgage can I get approved for in Mississauga?
It really depends on a few things like your income, credit score, debt load, and how much you’ve saved for a down payment. Most lenders use something called GDS and TDS ratios to calculate your limit. We go over all of this with you during your first consultation so you know exactly where you stand.
What’s the minimum down payment for a home in Mississauga?
For homes under 500,000, the minimum is 5 percent. If the price is between 500,000 and 1 million, it’s 5 percent on the first 500,000 and 10 percent on the rest. If the home costs more than 1 million, you’ll need at least 20 percent down.
Can I buy with bad credit?
Yes, it’s possible. We work with lenders who specialize in helping people with low or bruised credit. We’ll also guide you on how to rebuild your score while keeping your homeownership plan on track.
How long does the mortgage approval process take?
On average, it takes about 3 to 7 business days. If your documents are ready to go, we can often get pre-approvals even faster.
Should I go with a bank or mortgage broker in Mississauga?
A broker gives you more choice. Instead of being limited to one bank’s offer, we bring you a variety of options from different lenders. That way, you get a better chance at a deal that actually suits your situation.
What if I’m self-employed or a new immigrant?
We’ve helped many self-employed individuals and newcomers get approved. There are lenders and programs specifically designed for these situations, and we know exactly how to find the right match for you.
Out of 5
Real Success from Mississauga Homeowners
We thought homeownership was years away
We thought we had to save for years just to buy something modest. AJP helped us understand our budget, offered alternatives, and now we own our first condo.
Aisha Verma
After multiple rejections, we finally got approved
After being denied by big banks multiple times, AJP walked us through private options and got us approved in a week.
John and Mary Smith
Refinanced at the right time and finally caught a break
We refinanced and saved almost $700 each month. AJP tailored everything to fit our family’s needs and future goals.”
The Chen Family
Stop Struggling. Start Your Journey With Clarity.
Real advice. No pressure. Just someone on your side.
If you’re feeling stuck, unsure who to trust, or overwhelmed by the mortgage process, you’re not alone.
Many people in Mississauga are quietly facing the same questions, wondering where to start or how to make it all work.
At AJP Mortgage, we’re not here to promote anything. We’re here to help.
Even if you’re just exploring your options, we’ll take the time to understand your situation, answer your questions honestly, and help you feel more confident about what comes next.
Whether you’re looking to buy your first home, improve your approval chances, refinance, or simply get some clarity, we’re here for you.
No pressure. No pushing. Just a helpful, friendly conversation with someone who gets it.
Let’s take the first step together, right here in Mississauga.
Phone: +1 (844) 354-3033
Email: info@ajpmortgage.com
Office: 5618 Tenth Line West Mississauga, ON L5M 7L9
Licensing verified on FSRA website
