Your Future Home, Smartly Financed with The Best Mortgage Broker in Ontario
Trusted by hundreds across Ontario • Average 5‑star rating • Access to 50+ lenders
Why Choose AJP as Your Ontario Mortgage Broker?
Navigating Ontario’s housing market is complex, costly, and full of uncertainty. Many get declined. Many make costly mistakes. You want someone who truly understands your unique needs and delivers results.
Maybe you’re overwhelmed by bank forms, hidden terms, or conflicting advice. Or you need help understanding affordability, choosing between fixed and variable rates, or structuring a mortgage for better leverage.
You’re looking for the best mortgage broker in Ontario, someone who brings clarity, strategy, and real outcomes. You’ve found us. At AJP Mortgage, we serve homebuyers across the province, from Mississauga to Ottawa, Hamilton to Kitchener, and everywhere in between.
Led by Andrew Patricio, a Licensed Level 2 Mortgage Broker (FSRA #10349), we offer access to 50+ lenders, clear explanations, and personalized mortgage solutions that truly match your goals. We help you move forward with confidence, without pressure or guesswork.
Meet Andrew Patricio
Licensed Level 2 Mortgage Broker (FSRA #10349)
With over 10 years of experience, Andrew has helped clients across Ontario finance homes, investments, and refinances with clarity and confidence.
He’s known for his calm, people-first approach and for solving complex mortgage challenges that others can’t. Whether you’re self-employed or buying your first home, he simplifies the process from start to finish.
Andrew works with 50+ lenders including banks, credit unions, and alternative lenders to match clients with the best possible mortgage solutions.
Why Clients Trust Andrew
- Fully licensed with deep Ontario market knowledge
- Straightforward, honest advice with no pressure
- Strong track record in difficult or declined cases
- Breaks things down in plain language
- Focused on long-term client relationships
“Mortgages don’t have to be overwhelming. I’m here to walk you through every step and help you make confident decisions.”
Personalized Mortgage Solutions for Every Buyer
We work with all kinds of clients across Ontario, and we tailor every solution to fit their unique needs with care and expertise.
First-Time Homebuyers
Whether you want to stop renting and build equity, need clarity on affordability and government programs, or support with down payment planning, closing costs, and first-time buyer incentives, we’ve got you covered.
Real Estate Investors
We help investors grow rental or flip portfolios with fast approvals, equity access, smart leverage, and advice on structuring income, tax planning, and BRRRR strategies.
Homeowners Seeking Refinancing
We support homeowners looking to lower payments, access equity, or consolidate debt with guidance on breaking mortgages, switching lenders, and choosing flexible terms with smart renewal and prepayment options.
Self‑Employed and Gig Workers
We work with self-employed clients whose income varies, offering lenders that accept bank statements or alternate documents and a fair approach to income evaluation and mortgage approval.
Newcomers to Canada
We guide newcomers with limited credit history through tailored programs, documentation support, co-signer options, and regional lending differences.
Credit‑Challenged Borrowers
We assist those with past bankruptcies, proposals, or credit issues by connecting them with private or alternative lenders who offer second-chance solutions.
Choose your category above to see tailored guidance and local examples from Ontario settlements like Brampton, Hamilton, or Ottawa.
Ask Us About Your Mortgage Options in Ontario
The right mortgage starts with the right conversation
Every homebuyer’s situation is different. Whether you’re purchasing, refinancing, or investing, the right mortgage depends on your goals and finances.
We help you explore the best-fit options with clear guidance and a strategy that works for you.
You can reach out to us with questions or explore more about:
- Fixed vs Variable Rates
- Pre-approval vs Pre-qualification
- HELOC and Refinance Strategies
- Mortgages for Self-employed Buyers
- Mortgage Options with Low Credit
- Government Programs and Incentives
- Choosing Between Banks and Alternative Lenders
Not sure which mortgage option fits you best?
Let’s talk. Our consultations are free, and we’ll help you explore the smartest path toward your home goals in Ontario.
What Makes AJP Mortgage Stand Out Across Ontario?
We go beyond having good rates. We deliver clarity, flexibility, and strategy because buying a home is more than just getting approved. It’s about making the right move with the right support.
Faster Approvals
We organize your application the right way, highlight your strengths, and work with lenders who respond quickly, so you’re not left waiting. We Have 98% approval rate.
Lower Stress
We keep things simple, speak your language, and guide you every step of the way, so there are no surprises or confusion.
More Options
With access to over 50 lenders, we offer solutions beyond the banks, including equity release, high-ratio financing, and private lending options.
Better Terms
We help you secure terms that work for your lifestyle, including flexible amortization, prepayment choices, and options to break or move your mortgage.
Handling Complex Files
Whether you're self-employed, have credit challenges, or lack traditional paperwork, we know which lenders are open to your unique situation.
Long-Term Support
We’re here beyond just the closing. From renewals to refinancing and your next move, we provide support for every stage of your home journey in Ontario.
Just Starting Your Home Search?
Check out our Home Buying Guide for simple steps, smart tips, and everything you need to know before you buy. It’s the perfect starting point for first-time buyers and anyone who wants to be fully prepared.
From Mississauga to Ottawa, We’ve Got Ontario Covered
Trusted Mortgage Broker Services Across Ontario’s Top Cities
From Toronto to Ottawa, Mississauga to Hamilton, AJP Mortgage brings expert guidance, great rates, and stress-free mortgage solutions to every corner of Ontario.
Mortgage Broker in Toronto: Helping Toronto buyers navigate big-city real estate with smart, flexible mortgage options.
Mortgage Broker in Mississauga: Your trusted Mississauga mortgage partner for family homes, condos, and refinancing.
Mortgage Broker in Brampton: Simplifying mortgage solutions for Brampton’s growing and diverse community.
Mortgage Broker in Ottawa: Local mortgage guidance for Ottawa’s government workers, first-time buyers, and investors.
Mortgage Broker in Hamilton: Supporting Hamilton’s homebuyers with tailored mortgage strategies for every stage.
Mortgage Broker in London: Helping London residents finance homes near schools, hospitals, and growing suburbs.
Mortgage Broker in Markham: Smart mortgage options designed for Markham’s professionals and growing families.
Mortgage Broker in Kitchener: Mortgage advice that fits Kitchener’s mix of tech professionals, students, and families.
No matter where you’re located, we’re just a call away with expert advice and flexible mortgage solutions tailored to you.
Top Mortgage Questions for Ontario Homebuyers
Buying a home in Ontario? You probably have a lot of questions. From getting approved to understanding FSRA licensing, we’ve answered the most common mortgage questions so you can move forward with clarity and confidence.
Q: How do I get a mortgage in Ontario?
To get a mortgage in Ontario, start by checking your credit score, calculating your budget, and speaking to a licensed mortgage broker like AJP Mortgage. We match you with lenders and guide you through approval.
Q: What is FSRA and why is it important for Ontario homebuyers?
FSRA (Financial Services Regulatory Authority of Ontario) licenses mortgage brokers and ensures they follow ethical and professional standards. Always verify your broker’s FSRA license before working with them.
Q: Do I need a down payment to buy a home in Ontario?
Yes, you typically need a down payment of at least 5% of the home’s purchase price. Larger down payments can help lower your monthly payments or avoid mortgage insurance.
Q: Can I get a mortgage in Ontario if I’m self-employed?
Yes, but you’ll need to show proof of income through business financials, bank statements, or notices of assessment. A broker can help you prepare your documents for approval.
Q: Are there any programs for first-time homebuyers in Ontario?
Yes. You may qualify for the First-Time Home Buyer Incentive, Land Transfer Tax Rebates, or special rates through certain lenders. AJP Mortgage can help you explore all options.
Why Choose a Mortgage Broker in Ontario?
Banks offer limited products and rigid rules. A mortgage broker offers choice and custom strategy in the Ontario context.
Ontario Banks | Mortgage Brokers |
Only their own mortgage programs | Over 50 lenders across Ontario including credit unions & private lenders |
Standard policies and eligibility | Many lender paths for self‑employed, newcomer, or complex cases |
High penalties and tight conditions | Flexible prepayment and contract terms that work for your life |
One rate, one structure | Customized offers based on your long‑term goals |
Slow turnaround and limited adviser time | Personal attention from first call through closing and renewal planning |
In Ontario’s current market, choosing a mortgage broker can mean the difference between wasting months and saving thousands.
What Makes AJP Mortgage Stand Out Across Ontario?
Learn about the costs of getting a mortgage through AJP Mortgage. We offer clear terms, rates that are easy to understand, and low fees.
Faster Approvals
We organize your application the right way, highlight your strengths, and work with lenders who respond quickly, so you’re not left waiting.
Lower Stress
We keep things simple, speak your language, and guide you every step of the way, so there are no surprises or confusion.
More Options
With access to over 50 lenders, we offer solutions beyond the banks, including equity release, high-ratio financing, and private lending options.
Better Terms
We help you secure terms that work for your lifestyle, including flexible amortization, prepayment choices, and options to break or move your mortgage.
Handling Complex Files
Whether you're self-employed, have credit challenges, or lack traditional paperwork, we know which lenders are open to your unique situation.
Long-Term Support
We’re here beyond just the closing. From renewals to refinancing and your next move, we provide support for every stage of your home journey in Ontario.
How to Choose the Right Mortgage Broker in Ontario?
Choosing a Mortgage? Start by Choosing the Right Broker
- FSRA‑Licensed, Level 2 Broker: Verify their license through the Financial Services Regulatory Authority of Ontario.
- Access to Many Lenders: Do they work with major banks, monoline lenders, credit unions, and private lenders across Ontario?
- Clear and Honest Communication: No hidden fees, no confusing terms. Can they explain options in plain language?
- Customized Strategy Approach: Do they create plans based on your long-term goals, not just the cheapest rate?
- Proven Results: Request testimonials or case studies relevant to your Ontario region or borrower type.
- Local Market Knowledge: Do they understand trends and pricing in your area to guide you better?
- Availability When It Matters: Can you easily reach them during evenings or weekends if needed?
- Post-Closing Support: Will they assist with renewals, refinancing, or questions after the deal is done?
AJP Mortgage meets all these standards and has a long track record of satisfied clients from Mississauga to Ottawa.
How to Get Started With AJP Mortgage Services
Here’s how we guide Ontario homebuyers through a process that many find overwhelming, helping you avoid costly mistakes, reduce stress, and gain expert strategy at every step.
Apply Online
We start with a simple conversation to learn about your goals, timeline, and concerns, offering guidance with zero pressure to commit.
Profile Discovery
We review your income, credit, debts, and future plans to create a clear financial picture and understand your borrowing power.
Market Comparison
We search over 50 trusted lenders to compare real options and find the best mortgage solutions for your unique situation.
Pre‑Qualification and Budget Clarity
We provide a realistic pre‑approval amount so you can shop for a home confidently and avoid wasting time or energy.
Application Submission
We gather all required documents, complete your application, and submit a strong file that lenders can quickly assess.
Approval and Condition Review
We walk you through the approval details, explain any lender conditions, and resolve them so nothing slows you down.
Closing Coordination
We stay connected with your realtor, lawyer, and lender to manage the final steps, handle paperwork, and ensure everything comes together for a smooth and timely closing.
Ongoing Mortgage Check‑In
We continue to check in after closing with rate updates, renewal advice, and guidance for refinancing or future home goals as your needs change.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
Why work with a mortgage broker instead of a bank?
A mortgage broker shops around for you. We talk to lots of lenders, find the best rates and terms, and walk you through each step so you don’t have to do it yourself.
Who do you help?
We help first-time buyers, investors, self-employed clients, newcomers, homeowners looking to refinance, and those with credit issues. If you live in Ontario, we’ve got you covered.
What does the mortgage process look like?
It starts with a free chat. We review your details, compare lenders, handle the paperwork, and guide you through approval and closing. Simple and clear, every step of the way.
What makes AJP Mortgage different?
We listen, simplify, and tailor everything to you. With fast approvals, more lender options, and real support, you get more than just a rate.
Can you help if I’m self-employed or have bad credit?
Yes. We work with lenders who understand real-life situations, including variable income or past credit challenges.
Is the consultation really free?
Yes. It’s 100% free to chat, ask questions, and explore your options with no pressure.
Out of 5
Hear What Our Ontario Clients Are Saying
From Overwhelmed to Homeowners in Milton
We were buying in Milton and had no idea where to start. Andrew explained everything and helped us qualify when the bank said no.
Priya & Jordan, Toronto
Self-Employed and Finally Approved
I’m self-employed and banks didn’t understand my income. Andrew found lenders that did and got me approved fast
Omar Asif, Oakville
Refinanced, Debt-Free, and Saving $700 a Month
Refinancing allowed us to pay off high-interest debt and lower our mortgage payment by $700. Andrew made it easy.
Daniella & Mike, Hamilton
Let’s Make Your Next Move Count
Choosing a mortgage broker can be the best option if you
Whether you’re buying your first home, refinancing, investing, or just exploring what’s possible, we’re here to guide you every step of the way.
Book a free consultation or get pre‑qualified today. No pressure. No obligation. Just honest advice and real mortgage strategy designed around your goals.
Connect with AJP Mortgage, Your Trusted Mortgage Partner in Ontario
Lead Broker: Andrew Patricio
Licensed Level 2 Mortgage Broker (FSRA #10349)
Based in Mississauga and serving all of Ontario
Phone: +1 (844) 354-3033
Email: info@ajpmortgage.com
Office: 123 Main St, Mississauga, ON
Licensing verified on FSRA website
