Your Trusted Residential Mortgage Broker in GTA
Looking for the best mortgage deals in the GTA? Let our trusted experts guide you to the perfect home financing solution.
Best Residential Mortgage in GTA
At AJP Mortgage we believe that finding the right home financing should be as exciting as moving into your dream home. Since we opened our doors in 2010 our mission has been simple: to deliver personalized service that is transparent at every step.
We take the time to understand your goals your budget and your long-term plans so that together we can find a mortgage solution that truly fits your lifestyle and financial needs.
Navigating the Greater Toronto Area housing market can feel overwhelming. With fast-moving listings bidding wars in the downtown core and rising prices across suburban communities every neighbourhood brings its own set of challenges.
That is where we come in. Our expert team has deep knowledge of the local market and access to a wide network of lenders so we can offer competitive rates and flexible options.
We simplify the process from start to finish so you save time reduce stress and feel confident in every decision. Our goal is to help you move forward with peace of mind and focus on what matters most as you settle into your new home.
Why Choose Us?
GTA-focused expertise. Customized solutions. Real results.
- Local Market Expertise: We live and work in the GTA. We know which areas give the best value for families, professionals, and investors. We watch price trends in real time so you get the latest insights.
- Wide Lender Network: We compare over 50 lenders, including big banks, credit unions, private lenders, and monoline lenders. You see more choices and pick the best rate and terms.
- Transparent Fees: No hidden costs. We share all fees up front and explain each charge. You always know what you’re paying for.
- Personalized Service: You get one-on-one help. Meet us in Mississauga or chat online whenever it works for you.
- Credentials & Partnerships: We’re licensed by FSRA Ontario and members of the Canadian Mortgage Brokers Association. We also have preferred lender partnerships for exclusive offers.
- Fast and Simple Process: We handle the paperwork and follow up with lenders. This speeds up your approval so you can focus on your move.
- Online Convenience: Use our portal to upload documents, check status, and message your broker any time.
- Ongoing Advice: Even after your mortgage closes, we stay in touch. We’ll review your mortgage and suggest better options when rates change.
Our Residential Mortgage Products & Services in GTA
Unlock Your Homeownership Journey with Our GTA Mortgage Solutions
Mortgage Pre Approval
At no cost, you receive a fast pre-approval letter that strengthens your offer in a competitive market. We work quickly to gather your details and get you a conditional approval so you can bid with confidence.
First Time Buyer Mortgages
We guide you through first-time home buyer programs like the First Home Savings Account and the Home Buyers’ Plan. We also help you claim the Toronto land transfer tax rebate so you keep more of your down payment.
Move-up Buyer Mortgages
If you are trading up to a larger home, we find the right lender to match your current financial goals. Whether you want a lower rate or a different term, we structure your deal to suit your needs.
Mortgage Renewals
When it's time to renew your mortgage, we help you explore better rates and terms. We make sure your new mortgage fits your current situation and future plans.
Mortgage Refinancing
Refinancing can lower your rate, reduce your monthly payment, or free up cash for renovations. We help you find the right option for your needs and goals.
Debt Consolidation
We handle refinancing for debt consolidation so you can combine high-interest debts into one affordable monthly payment.
Cash-out Refinancing
We arrange cash-out refinancing so you can access your home equity to fund renovations, investments, or large purchases.
Investment Property Mortgages
We find solutions that maximize your rental yield and protect your cash flow, whether it’s your first rental or an expanding portfolio.
Self-employed Mortgages
We document income for contractors, freelancers, and small business owners so you get approved even with non-traditional income.
Newcomer Mortgages
We help newcomers to Canada build credit and access mortgage financing, even without a long Canadian credit history.
Temporary Resident Mortgages
We assist temporary residents in securing mortgages using special programs designed to support short-term visa holders.
High Ratio vs Conventional Mortgages
We advise you on the differences between insured (CMHC or Sagen) and conventional mortgages, so you understand the costs and benefits clearly.
How We Help You Secure the Best Mortgage?
Simplify your mortgage journey with our expert guidance.
- Competitive rates we compare over fifty lender offerings at once
- Flexible terms choose short term long term open or closed mortgages
- Expert guidance we explain every step in clear simple language
- Low fees and no surprises we provide a fully transparent cost summary
- Personalized advice tailored recommendations based on your financial situation
- Quick approvals minimal paperwork for a fast pre approval
- Exclusive deals access special mortgage programs not available to the public
- Stress free experience support throughout for a smooth mortgage journey
- No pressure approach we offer guidance only and never push you into a decision
- AJP Mortgage your committed partner in finding the most cost effective solution for your unique situation
With AJP Mortgage you get a partner committed to finding the most cost effective solution for your unique situation.
What You Need to Apply?
To make your mortgage application process faster and easier, it’s best to have the following items ready
Identity and income
A government-issued photo ID like your driver’s license or passport, plus your recent pay stubs and T4 slips. If you're self-employed, we’ll need your business financials and tax returns from the last two years.
Employment details
We’ll need a letter from your employer confirming your job, salary, and start date. If you have a work contract or a recent earnings statement, that’s helpful too.
Credit Information
A recent credit report and your current credit score give us a clear picture of your financial background. If you don’t have one, we can help you get it.
Down Payment Proof
You’ll need to show where your down payment is coming from. This could be a bank statement, an RRSP statement, or a letter if the money is a gift from family.
Property Details
The MLS listing and purchase agreement if you're buying. For refinancing, we’ll need your mortgage statement, tax bill, and insurance info.
Debts and bank info
Statements for any credit cards or loans you have, plus a void cheque or bank form to set up your mortgage payments.
GTA Residential Mortgage Rates
Competitive GTA Residential Mortgage Rates for Your Path to Affordable Homeownership
1 Year Fixed: Starting at 4.89%
A one-year fixed mortgage offers a short-term commitment with the stability of a fixed rate. Ideal for those who plan to refinance or sell in the near future.
5 Year Fixed: Starting at 5.14%
A 5-year fixed rate mortgage locks in your interest rate for five years, providing long-term security against rising rates.
This option is great for homeowners looking for stability and peace of mind over a longer term.
Variable Rate: Starting at 4.25%
With a variable rate mortgage, your interest rate can fluctuate based on the market.
While it typically starts lower than fixed rates, it carries the risk of changes over time, which could mean lower or higher payments depending on market conditions.
Our Process for Smooth Residential Mortgage Process in GTA
Step by step support for a smooth and stress free mortgage journey in the GTA.
Initial Consultation
We start with a friendly, no-pressure chat to understand your home financing goals, budget, and timeline.
Pre-Qualification Review
We assess your financial situation and give you a clear picture of how much you can afford before house hunting begins.
Document Collection
We guide you step by step to gather everything needed – government ID, proof of income, down payment info, and credit details – to complete your application.
Lender Matching and Submission
We match you with lenders that best fit your profile and goals, then submit your application for the best possible options.
Offer Review and Rate Lock
We walk you through all mortgage offers and help you lock in the best available rate before it changes.
Approval Support
We stay in touch during the approval stage to answer any questions and make sure everything stays on track.
Closing Coordination
We work with your lawyer, realtor, and lender to handle all final details and ensure your funds are ready for a smooth closing day.
Post-Closing Support
We stay connected with reminders for renewals and regular check-ins to help you keep the best mortgage throughout the years.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What is the difference between pre qualification and pre approval?
Pre qualification gives you a ballpark estimate of what you can borrow based on information you provide. Pre approval goes deeper. We verify your income credit and down payment. This gives you a conditional approval letter that carries more weight with sellers.
How much down payment do I need in the GTA?
The minimum down payment is five percent on the first two hundred thousand dollars of the purchase price and ten percent on the portion above two hundred thousand. If your price is under five hundred thousand you can put down as little as five percent. High ratio mortgages under twenty percent down require mortgage default insurance.
Can I qualify with less than perfect credit?
Yes. We work with alternative lenders who consider other factors such as your employment history and savings pattern. You may pay a slightly higher rate but you can still get financing.
How long does the mortgage process take?
From initial consultation to closing we aim to complete the process in three to four weeks. Having all documents ready and responding promptly speeds things up.
What fees should I expect at closing?
Common closing costs include appraisal fee legal fees land transfer tax and title insurance. We provide a cost summary upfront so you know what to expect.
How does Toronto’s land transfer tax work?
Toronto charges its own land transfer tax in addition to the provincial levy. First time buyers may qualify for a rebate of up to four thousand dollars on the city tax. We help you file the rebate.
Out of 5
What Our Clients Say
Smooth First-Time Purchase
I was able to secure a 1.99% five-year fixed rate, even with a tight bidding war. The quick pre-approval process made my offer stand out.
Pooja Patil
Fast Refinance Win
I saved over three hundred dollars a month by refinancing my mortgage and consolidating my debts into one low rate. It made a huge difference.
Jason Cena
Investment Property Deal
I needed financing for a rental property in Scarborough. They arranged a mortgage with a low down payment option and helped me with solid rental projections.