Make Home Buying Easy with a Leading Mortgage Broker in Markham
From residential homes to commercial properties, count on the best Mortgage Broker in Markham for expert guidance and tailored solutions.
Your Trusted Mortgage Broker in Markham
Looking for a mortgage broker in Markham who actually understands the local housing market, your financial goals, and the challenges of buying a home in a fast-growing city?
At AJP Mortgage, we guide families, first-time buyers, and investors through every step of the mortgage journey. Our approach is simple. We focus on solving your problems, finding solutions that fit your situation, and helping you make informed decisions without unnecessary pressure.
Markham is one of the fastest-growing cities in the Greater Toronto Area, home to over 340,000 residents. Its housing market is diverse, ranging from modern condos in Downtown Markham to spacious family homes in Unionville, Cornell, Wismer, and Berczy Village.
With an average home price of $1.3 million and condos averaging $700,000 in 2025, having a local mortgage expert is not just convenient. It is critical for making smart financial decisions that protect your future.
Why Markham’s Housing Market Needs Local Expertise?
Smart decisions start with local expertise in Markham’s housing market.
Markham is not like other cities in the GTA. Its neighborhoods vary widely in property values, school quality, amenities, and long-term appreciation. For example:
- Unionville: Known for historic charm and high-performing schools. Homes here often appreciate steadily but may have slower growth than new developments.
- Cornell and Wismer: Modern family neighborhoods with growing infrastructure. These areas can show faster price appreciation but may also come with higher upfront costs.
- Downtown Markham: Condos and townhouses near transit hubs appeal to professionals and investors, offering solid rental demand.
Buying a home without understanding these local nuances can cost thousands over the life of your mortgage. That’s why having a local expert is key: someone who can interpret market trends, identify opportunities, and help you make decisions tailored to your goals.
Our Mortgage Services in Markham
We offer a full range of mortgage solutions to match your needs and goals. Here’s how we can help:
Residential Mortgages
We provide tailored solutions for detached homes, semi-detached homes, townhouses, and condos. Our guidance covers down payments and insurance planning, long-term financial strategy, and neighborhood-specific insights for areas like Unionville, Wismer, Greensborough, and Downtown Markham.
First-Time Homebuyer Programs
Navigating first-time homebuying incentives can be confusing. We help you understand the First-Time Home Buyer Incentive, land transfer tax rebates, and HST rebates. We also guide you to budget realistically, get pre-approved effectively, choose neighborhoods wisely, and avoid common first-time buyer pitfalls that could cost thousands.
Refinancing and Home Equity Lines of Credit (HELOC)
Whether your goal is to lower your mortgage rate, access funds for renovations, or consolidate debt, we analyze your current equity based on Markham’s property values. We recommend strategies to maximize your financial benefits and guide you through lender requirements and paperwork.
Commercial Mortgages
Markham is home to over 1,500 businesses, and we provide financing solutions for small businesses, retail spaces, and mixed-use properties. We offer cash flow analysis, guide you through lender requirements, and help secure terms that match your business growth plans.
Investment Property Mortgages
Investing in Markham real estate requires a different approach. We help you analyze expected cash flow, ROI, rental demand, and property appreciation. We also provide strategies to secure properties in high-demand neighborhoods and pre-plan to maximize positive cash flow while minimizing risk.
Meet Andrew Patricio
Level 2 Mortgage Broker | License #10349
Andrew Patricio, Level 2 Mortgage Broker at AJP Mortgage, helps clients in Mississauga and Markham secure the best mortgage and financing solutions.
Expertise
- Guiding first-time homebuyers through the mortgage process
- Assisting repeat buyers with refinancing options
- HELOCs and investment property financing
- Crafting personalized mortgage solutions aligned with individual financial goals
Approach
Collaborates with multiple lenders to secure competitive rates and flexible options
Reputation
- Known for professionalism and client-focused guidance
- Helps clients make confident, informed mortgage decisions
Markham Neighborhood Mortgage Guide
Picking the right neighborhood in Markham isn’t just about the price of a home. Schools, transit, lifestyle, and future growth all play a big role. Here are six things to keep in mind:
Good Schools
Unionville and Cornell are known for top schools, which makes them popular with families and helps homes keep their value.
Easy Transit
Being close to York Region Transit, Viva lines, or GO stations makes daily commuting smoother and can boost a home’s appeal.
Lifestyle and Amenities
Areas like Berczy Village and Cathedraltown offer parks, shops, and healthcare close by, while still keeping a calm, family feel.
Home Value Trends
Older homes in Unionville are steady in value, while newer places in South Markham are growing fast. Both can be smart choices depending on your goals.
Community Vibe
Markham is full of culture, food, and community spaces. Living in a vibrant area adds to everyday life and makes homes attractive for future buyers.
Future Growth
New schools, transit, and developments are shaping Markham’s future. Buying in an area with growth plans can give your investment a boost over time.
Markham Housing Market Insights
Unlocking Markham’s Real Estate Trends
Keeping an eye on Markham’s real estate trends can really shape the way you approach your mortgage decisions:
- Average Home Price (2025): Around $1.3 million, showing a steady 2% rise from last year.
- Condo Market: Condos average about $700,000, making them a popular choice for first-time buyers and investors.
- Fast-Growing Neighborhoods: Areas like Cornell, Wismer, and Greensborough are seeing strong growth and family demand.
- Property Value Growth: Homes in desirable pockets are appreciating at roughly 5% each year.
- Rental Market: Downtown condos and Unionville townhouses rent for $2,200 to $2,800 monthly, reflecting healthy demand.
- Who’s Buying: Young families, Toronto commuters, and international buyers are driving much of the activity.
The 8-Step Mortgage Process in Markham
We’ve simplified the mortgage journey into eight clear steps to ensure you know what to expect:
Initial Consultation
Understand your goals, budget, and preferred neighborhoods. Discuss first-time buying, refinancing, or investment needs.
Financial Assessment
Review income, expenses, debts, and credit scores. Identify potential obstacles and opportunities for approval.
Pre-Approval
Receive a pre-approval letter to know your exact budget. This lets you make offers confidently and ensures you don’t overextend financially.
Property Evaluation Guidance
Assess target properties for price, resale potential, and mortgage eligibility. Consider condo fees, property taxes, and local amenities.
Lender Comparison
We compare multiple lenders to find the right fit, looking at rates, terms, repayment flexibility, prepayment options, and any penalties or special programs that can save you money.
Mortgage Recommendation
Receive a clear, tailored strategy with pros and cons of each option. Highlight best-fit rates, term lengths, and lender requirements.
Closing Coordination
Guidance through all paperwork, lender conditions, and legal requirements. Liaise with lawyers and agents to ensure a seamless process.
Post-Mortgage Support
Advice continues after closing with market updates, refinancing opportunities, and HELOC options to ensure your mortgage evolves with your needs.
Market Timing and Strategy
Make smart moves with the right market timing and strategy.
Timing can save thousands in mortgage interest and make a significant difference in investment returns:
- Interest Rates: Monitoring Bank of Canada announcements helps anticipate rate changes. Locking in during stable or declining periods can save on long-term interest.
- Price Trends: Historical trends show Cornell appreciating steadily, while older neighborhoods fluctuate based on renovation demand.
- Seasonal Factors: Spring and early summer are high-activity months, but off-peak buying can provide better deals.
- Strategy Recommendations: Focus on neighborhoods with upcoming infrastructure or commercial developments for long-term value. Investors may prioritize high-demand rental areas for stable cash flow.
Why Work with AJP Mortgage in Markham
Choosing the right mortgage broker is about more than rates. It’s about strategy, insights, and guidance that aligns with your life. Here’s what makes our approach different:
Deep Local Knowledge
We know Markham’s neighborhoods, school districts, amenities, and resale potential. Whether you are buying in Unionville, Cornell, or Berczy Village, we provide guidance specific to that area, helping you choose not just a home, but the right home for your long-term financial plan.
Access to Multiple Lenders
We work with over 50 banks, credit unions, and private lenders, giving you access to the most competitive rates and terms available. This means you don’t have to settle for a single bank’s offer and can get the mortgage that fits your situation best.
Personalized Mortgage Strategies
Your financial profile, goals, and risk tolerance are unique. We create a mortgage plan tailored to your needs, whether it’s your first home, an investment property, or a commercial venture.
Proven Track Record
Hundreds of families and investors in Markham have successfully secured mortgages through our guidance. We have a history of turning complex financial situations into manageable, long-term solutions.
Transparent, Stress-Free Process
From paperwork to lender communications, we handle the details so you can focus on your home search. Our goal is to reduce stress and ensure clarity throughout the entire mortgage journey.
First-Time Buyer Tips in Markham
Smart Tips for Your First Home in Markham
Buying your first home in Markham is exciting, but it can also feel overwhelming. Here are some things to keep in mind:
- Get pre-approved: It shows you what you can actually afford and keeps you from wasting time on homes outside your budget.
- Use the incentives: Programs like the First-Time Home Buyer Incentive or HST rebates can save you money right away.
- Choose the right area: Don’t just fall for the house. Think about schools, transit, shopping, and how the neighborhood might grow in the future.
- Plan for extra costs: It’s not just the mortgage. Taxes, fees, maintenance, and insurance are all part of the picture.
- Save for closing: Legal fees, moving, and land transfer tax can sneak up if you’re not ready.
- Think ahead: Make sure the home will still fit your life a few years from now.
- Stay grounded: Bidding wars and “dream homes” can tempt you to overspend. Stick to your budget.
- Ask for help: A good broker or realtor can make things much less stressful.
Repeat Buyer and Investor Tips
If you’re buying a second home or looking at property as an investment, the mortgage process is a little different. Here are some key things to keep in mind:
Refinance to Free Up Cash
Lower rates can help you refinance, cut down monthly payments, or unlock money for other goals.
Use Your Home Equity
A HELOC lets you tap into the value of your current home. Many people use it for renovations, a down payment on another property, or even new investment opportunities.
Financing a Second Property
Lenders have stricter rules when it comes to investment homes. Be ready to show rental income potential, cash flow, and long-term value.
Look at ROI and Demand
Not every neighborhood performs the same. Areas like Markham Centre and Unionville often have strong rental demand and steady appreciation, which makes them appealing for investors.
Keep Cash Flow Positive
Make sure rental income covers the mortgage, taxes, and upkeep. A little planning now keeps your investment stress-free later.
Why Act Now in Markham?
Act Today, Secure Tomorrow!
At AJP Mortgage, we’re here to help you move forward with confidence. With deep knowledge of local neighborhoods like Unionville, Cornell, and
Downtown Markham, we make sure your mortgage works for your lifestyle and long-term goals.
Here’s what we offer:
- Access to over 50 lenders and a wide range of mortgage options
- Local expertise tailored to Markham’s diverse communities
- Personalized guidance that adapts as your financial needs evolve
Whether you’re buying your first home, moving into a downtown condo, or refinancing your current property, our team is committed to helping you make smart financial choices.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
How do I get pre-approved for a mortgage in Markham?
Begin with a free consultation. We review your finances and provide a pre-approval letter reflecting your budget and Markham market conditions.
Are there incentives for first-time homebuyers in Markham?
Yes. Programs like the First-Time Home Buyer Incentive and land transfer tax rebates are available. We guide you step by step to maximize savings.
What are average mortgage rates in Markham?
Rates vary depending on credit score, down payment, and lender. We compare multiple lenders to find the most competitive rate.
Can I refinance my Markham home to access equity?
Absolutely. Refinancing or HELOC options can fund renovations, consolidate debt, or support investment strategies.
Can I get approved if I’m new to Canada?
Yes, we can. We work with lenders who can help you find a mortgage, even if your credit isn’t perfect.
How do I choose the right neighborhood in Markham?
We provide detailed insights on schools, transit, amenities, and property appreciation to help you select a neighborhood that fits your lifestyle and budget.
Out of 5
What Our Clients Say
Turning First-Time Buyer Stress into Confidence
Buying our first home in Cornell felt overwhelming at first. We were worried about the paperwork and whether we could qualify for a good rate. AJP Mortgage guided us through every step, explained things clearly, and helped us secure an amazing mortgage. They truly made the process smooth and stress-free.
Priya Sharma & Arjun Singh
From Confusion to Saving $400 Every Month
We wanted to refinance our Markham home but weren’t sure if it was worth the hassle. Andrew and his team walked us through the numbers, answered every question with patience, and handled the bank negotiations. Thanks to them, we overcame the challenges and now save over $400 every month. The entire process felt effortless on our end.
Michael Robertson
Turning Nerves into a New Beginning
As first-time buyers in Unionville, we were nervous about hidden costs and rising rates. AJP Mortgage not only explained everything in simple terms but also helped us take advantage of government incentives. What seemed impossible at first became achievable because they stood by us at every step.