Expert Mortgage Broker in Barrie Helping You Move Forward
Looking to buy, refinance, or invest? Our experienced mortgage broker in Barrie helps you make smart moves with personalized support and competitive rates.
Simplify Your Mortgage Journey with a Local Barrie Broker
Looking for a Mortgage Broker in Barrie? You’re in the Right Place
Buying a home or refinancing can feel like a lot. Prices in Barrie are high, homes sell quickly, and it’s tough to keep up with changing rates and lender rules. If you’re feeling unsure or just don’t know where to start, you’re not alone.
At AJP Mortgage, we keep things simple. We take the time to understand what you need, explain your options in plain language, and help you make sense of it all. No pressure, no confusing terms, just honest advice that actually helps.
We know the Barrie market and work with lenders who offer real solutions. Whether you’re buying your first home, moving to something bigger, refinancing, or just exploring your options, we’ve got your back.
You can meet with us in person or do everything online, whatever’s easier for you. We’re easy to reach, quick to respond, and here to make the process smooth from start to finish.
Let’s take the stress out of your mortgage and find something that works for your life.
Why Choose AJP Mortgage in Barrie?
Local Support. Honest Advice. Mortgages That Fit Your Life.
- Experienced Help: Andrew Patricio has over 15 years of mortgage and refinancing experience
- Big Lender Network: We work with 40+ banks, credit unions, and private lenders
- Local and Flexible: Meet online or in person anywhere in Barrie or Simcoe County
- We Know Barrie: From neighbourhoods to lender rules, we understand the local market
- Quick Pre-Approvals: Get approved fast so you can shop with confidence
- Custom Mortgage Plans: We build a plan that fits your budget and long-term goals
- Start to Finish Support: We’re with you through every step, no stress
- Help for First-Time Buyers: Simple guidance, grants info, and friendly support
- Clear, Honest Advice: No pressure, no confusing terms, just real answers
- Local Trust: Proud to be known for honest service and happy clients
Core Services We Offer
From first-time home buying to refinancing, our core services are designed to make your mortgage journey smooth, smart, and stress-free.
Residential Home Mortgages
Buying your first home or adding an investment property? We’ll guide you every step of the way and help you find the right mortgage.
Renewal and Refinancing
Ready for a better rate or need extra cash for renos or debt? We make renewing and refinancing simple and penalty-free.
Second and Vacation Home Mortgages
Dreaming of a cottage or rental property? We’ll secure the financing you need and share tips to keep your costs down.
Self-Employed and Complex-Income Mortgages
Freelancer, contractor, or have a unique income stream? We work with lenders who understand your situation and offer low-doc options.
Bad-Credit and Private Lending Solutions
Struggling with credit or need a bridge loan? We connect you with flexible lenders who look beyond your credit score.
Home Equity Line of Credit (HELOC) and Equity Take-Out
Want to tap into your home’s value for projects or investments? We explain how HELOCs work and help you pick the plan that fits your needs.
Local Partnerships and Workshops in Barrie
We team up with local professionals and host workshops across Barrie to share helpful insights, answer questions, and support homeowners at every stage.
- Monthly First-Time Buyer Seminars Free sessions at Barrie Public Library to walk you through the basics of buying a home.
- Trusted Realtor Network We connect you with experienced local realtors who know the Barrie market well.
- Preferred Appraisers and Inspectors Access our vetted list of professionals to speed up your home-buying process.
- Builder and Developer Ties We work with local builders to help you get mortgage-ready for new homes and pre-construction deals.
- Community Q&A Events Join our open sessions to ask questions and get advice in a relaxed setting.
- School and Employer Sessions We offer custom workshops for teachers, staff, and local companies to help them plan for homeownership.
- Mortgage Info Booths at Local Events Find us at community fairs and expos for quick tips and answers.
- Local Legal and Insurance Partners We can refer you to trusted lawyers and insurance providers who know the mortgage process inside out.
Mortgage Health Check in Barrie
Our free Mortgage Health Check in Barrie helps you see if you’re still on the best rate, term, or strategy. We’ll show you how to save more or pay off sooner.
Free Annual Mortgage Review
Each year, we check your current rate, term, and amortization to make sure you're not overpaying and your mortgage still fits your goals.
Refinance Opportunity Alerts
If rates drop or your equity grows, we’ll let you know when it’s the right time to refinance so you can take advantage before the window closes.
Penalty-Free Switching Advice
We review your mortgage to see if you can switch to a better rate or product, and help you make a smart move even if there’s a penalty.
Equity Growth Check-In
We review how much equity you've built and explain how you can use it for renovations, investments, or debt consolidation.
Personalized Savings Tips
We suggest simple ways to save interest, pay off your mortgage faster, or adjust payments if your situation changes.
Early Renewal Insights
If your mortgage is close to renewal, we help you prepare early so you don’t miss out on better options before your term ends.
Insightful Lending Tips for Every Barrie Neighborhood
Local Trends, Smarter Mortgage Moves
- East Bayfield vs. Cundles East: East Bayfield often gets better rates due to newer homes. Cundles East may need more lender review.
- Innisfil & Kempenfelt Bay Trends Innisfil picks up in spring and summer. Kempenfelt Bay sees more demand for waterfront homes in late spring.
- Allandale vs. Holly Allandale is great for commuters. Holly has newer homes and more first-time buyer options.
- South Barrie Hotspots Painswick and Mapleview are growing fast. Lenders are more open to new builds here.
- Credit Profiles by Area Lenders may offer better deals in areas with strong home values like East Barrie or Ardagh Bluffs.
- Pre-Approval Speed by Neighbourhood North Shore and Letitia Heights often see quicker pre-approvals due to stable prices.
Our Seamless Process in Barrie
We guide you step by step, from first call to closing, with expert advice and zero guesswork along the way.
Friendly Discovery Call
We start with a quick call to understand your goals, budget, and timeline. It’s a casual chat to learn what you’re looking for.
Simple Mortgage Planning
We explain your mortgage options in clear terms and help you choose what makes the most sense for your situation.
Document Checklist and Submission
We give you a straightforward list of documents you’ll need and walk you through how to gather and send them in.
Lender Matching and Rate Negotiation
We look through our network of lenders to find the best rate and product for you, and we handle the negotiating too.
Application and Pre-Approval
We fill out and submit your application, aiming for a fast pre-approval so you can move ahead with confidence.
Approval and Conditions Management
Once you’re approved, we go over any conditions and help you meet them without stress.
Finalize Financing
We work with your realtor, lawyer, and lender to make sure everything’s ready for closing and things go smoothly.
Ongoing Support
Even after your mortgage is set up, we’re here for questions, renewals, refinancing, or your next move.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What credit score do I need in Barrie?
Most lenders look for a score of 620 or higher. We can help you find options even if your score is lower.
How much down payment is typical here?
You need at least 5 percent for homes under 5,00,000. Higher-priced homes may require 10 percent or more.
Can I switch lenders midterm?
Yes. There might be fees, so we’ll check your contract and pick the best time to switch.
Are there special programs for first-time buyers?
Yes. You can use the First-Time Home Buyer Incentive, land transfer tax rebate, or your RRSP. We’ll guide you through each one.
How long does mortgage approval take?
Once you submit your documents, approval usually takes one to three business days.
What are closing costs in Barrie?
They range from two to four percent of your purchase price, covering legal fees, land transfer tax, and inspections.
Out of 5
What Our Clients Say
Found a Better Rate Than My Bank
Andrew found me a rate 0.5 percent lower than what my bank offered, and walked me through every step. It saved me thousands!
Sarah Mitchell
Smooth Closing in a Tough Market
Even with tight timelines and market pressure, Andrew made sure everything closed on time. Super professional and easy to reach.
Raj Sharma
Helped Us Buy Our First Home
As first-time buyers, we had a lot of questions. Andrew explained everything clearly and found us a great deal. Couldn’t be happier.