Count on a Mortgage Broker in Richmond Hill for Reliable, Better Results
Let a dependable mortgage broker in Richmond Hill support your journey with clear guidance, personalized service, and smart mortgage options.
Clear, Simple Mortgage Solutions from a Richmond Hill Mortgage Broker You Can Trust
Thinking about buying a home, refinancing, or just checking out your mortgage options in Richmond Hill? This guide is here to help. We’ll explain what a mortgage broker does and how having one can make things easier and less stressful. Whether you’re new to this or have done it before, it’s always good to have someone who knows what they’re doing on your side.
At AJP Mortgage, we live and work in Richmond Hill. As an independent mortgage broker in Richmond Hill, we’re not tied to just one bank, so we look around at different lenders to find what works best for you. We keep things simple, explain everything clearly, and help you make smart choices without all the pressure.
Having someone local really helps. We understand the Richmond Hill market and how things work here. We know the neighbourhoods, the prices, and what lenders look for. When you work with someone who knows the area, the advice just makes more sense and fits your situation better.
What Makes AJP Mortgage the Best Mortgage Broker in Richmond Hill
Trusted Advice. Local Insight. Proven Results.
- Personalized Service: We take time to understand your goals and guide you with care.
- Local Insight: We know the Richmond Hill market and offer advice that fits your area.
- Access to 50+ Lenders: We work with major banks and private lenders to give you more choice.
- More Options, Better Rates: We shop around to find what works best for your situation.
- Flexible Solutions: We help self-employed clients get approved even without a steady paycheck.
- Support for Newcomers: We work with lenders who welcome new Canadians.
- Simple Process: We make everything clear and easy from start to finish.
- 5-Star Reputation: Richmond Hill clients consistently rate us 5 stars for service and results.
- Trusted by Locals: Many of our clients come through referrals and repeat business.
Exclusive Mortgage Programs Available Through AJP Mortgage
Discover exclusive mortgage programs with better rates, flexible terms, and personalized options you won’t find at your bank only through AJP Mortgage where your goals come first.
First-time buyer incentives in Richmond Hill
We guide first-time buyers through rebates, land transfer tax refunds, and lower down payment programs to make getting into your first home easier and more affordable.
Mortgage solutions for newcomers to Canada
Even if you’re new to the country with limited credit, we help you get approved through lenders who accept alternative proof of income and history.
Low down payment and zero down options
If saving a big down payment is tough, we’ll walk you through insured mortgage programs or gifted down payment solutions that let you get started with less.
Bad credit mortgage options
Don’t let past credit issues hold you back. We work with specialized lenders who focus on your current financial health rather than your credit history.
Private lending for fast closings
Need quick approval or don’t qualify through traditional banks? We can connect you with trusted private lenders to close fast and keep things moving.
Self-employed mortgage programs
If you're a business owner or freelancer, we help you qualify using bank statements or gross deposits when tax documents don’t tell the full story.
Bridge financing and equity takeout
Use your current home’s equity to buy your next property, fund home improvements, or cover urgent expenses without waiting for your sale to close. A smart way to stay financially flexible.
Rental and investment property mortgages
Build your real estate portfolio with flexible options for income properties, whether you’re buying your first rental or expanding further.
Understanding the Richmond Hill Housing Market
Get the insights you need to make smart mortgage decisions in Richmond Hill’s ever-changing housing market.
- Detached homes average around $1.68 M.
- Townhomes range from $1.16 M to $1.24 M.
- Condos are more affordable, usually between $600 K and $635 K.
- More buyers are choosing townhomes and condos this year.
- Detached sales are slowing down across many areas.
- One-bedroom condos are selling fast, sometimes within days.
- Oak Ridges is more affordable and surrounded by parks and trails.
- Bayview Hill has large, high-end homes often above $1.9 M.
- Langstaff is great for transit access and newer developments.
- Jefferson is quiet, family-friendly, and close to top schools.
- Buyers are prioritizing school zones, easy commutes, and peaceful streets.
- Access to parks, shops, and green space is also a key factor.
Market trends and conditions are subject to change. This information is for general awareness only and should not be considered financial or legal advice. Always consult with a licensed mortgage professional for personalized guidance.
Community-Based Expertise That Works for You
We’re not just mortgage experts. We’re your neighbours. Our local experience helps us understand what matters most to you and find solutions that truly fit your goals.
Zoning Know-How
We understand Richmond Hill’s zoning rules, so we can guide you through what’s allowed on each property and how it may affect your mortgage.
Property Type Experience
From heritage homes to new builds and legal basement units, we know which types of properties need special lender attention and how to handle it.
Trusted Realtor Connections
We work with experienced local realtors who know how to price, negotiate, and close deals efficiently, which helps you move forward with confidence.
Legal Support Network
We’re connected with trusted local lawyers and notaries who handle closings smoothly and make sure everything is done right and on time.
Faster Lender Response
We know how local lenders work, what paperwork they look for, and how to present your file to speed up approvals. Our local know-how helps you move forward with fewer delays.
Real Area Knowledge
We’ve worked with clients in every major Richmond Hill neighborhood, so we understand local pricing, market trends, and what buyers here really care about.
Mortgage Mistakes Richmond Hill Buyers Should Avoid
Smart Moves Start with Knowing What to Avoid.
Avoid common mortgage slip-ups and make confident decisions with the right guidance in Richmond Hill.
- Looking at homes before getting pre-approved can lead to disappointment.
- Forgetting about closing costs means you might come up short at the end.
- Thinking all lenders have the same rates can cost you more over time.
- Only going to your bank means you miss out on other good options.
- Not sure about fixed or variable? Choosing wrong can affect your payments.
- Waiting too long to lock in a rate could mean paying more later.
- Skipping the small print can lead to fees you didn’t expect.
- Buying a car or taking a loan during the process can hurt your approval.
- If you’re self-employed or new to Canada, trying it alone can make things harder.
- Waiting too long to start can mean missing out on a great place.
Our Step-by-Step Process for Mortgage Broker in Richmond Hills
We break the mortgage process into simple steps so you always know what’s next. From first call to final approval, we guide you every step of the way in Richmond Hill.
Free Discovery Call
We start with a quick and friendly call to learn about your goals and walk you through what to expect.
Budget and Pre-Approval
We review your income, credit, and down payment to help you get pre-approved with a clear budget.
Matching Mortgage Options
We compare over 50 lenders to find the best rates, terms, and solutions that fit your situation.
Application and Documents
We guide you through the full application and help gather all documents needed for submission.
Lender Conditions and Appraisal
We work with the lender to clear all conditions and arrange the home appraisal if required.
Final Approval Process
We confirm final approval from the lender and explain the full mortgage details before moving ahead.
Closing and Legal Coordination
We stay in touch with your lawyer and realtor to make sure everything is ready for closing day.
Ongoing Mortgage Support
Even after you get the keys, we’re here to help with renewals, refinancing, or any future needs.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
Is it better to go with a broker or a bank in Richmond Hill?
A broker gives you more options. Banks offer only their own rates, but we check with many lenders to find what works best for you.
What’s the average approval time in Richmond Hill?
If we have all your documents, most approvals take 1 to 3 days. Sometimes even faster.
Can I switch lenders after pre-approval?
Yes, you can. Pre-approval doesn’t lock you in. If a better deal comes up, we can help you switch easily.
What income do I need to buy a home here?
It depends on the home price and your down payment, but most buyers need a household income of around $120K or more.
Are Richmond Hill condos easier to finance?
Usually, yes. Condos cost less than houses, but lenders still check things like condo fees and the building itself.
Can you help with both mortgage and refinancing in one conversation?
Absolutely. We’ll look at both options and help you decide what makes the most sense for your situation.
Out of 5
What Our Clients Say
Bought Her First Condo in Bayview Hill
I had no idea where to start as a first-time buyer, but AJP Mortgage made everything so simple. They walked me through the entire process and helped me secure a great rate. Thanks to them, I now own a beautiful condo in Bayview Hill. I couldn’t be happier.
Priya Sharma
Refinanced His Langstaff Townhome
I reached out to AJP Mortgage when I was looking to lower my monthly payments. They found me a much better rate than my bank offered. The process was fast and stress-free, and the savings have made a big difference. Highly recommend them.
Jason Lee
Got Approved as a Self-Employed Designer in Jefferson
As someone who’s self-employed, I was worried about getting approved. AJP Mortgage really understood my situation and found a lender that worked with my income setup. I now have my own home in Jefferson, and I’m so thankful for their support.