Easy home financing from a residential mortgage broker in Mississauga
Access the best residential mortgage rates in Mississauga with flexible terms and expert guidance from trusted local brokers.
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Mississauga’s real estate market is booming, and it’s a great time to buy a home. But finding the right mortgage can be tricky. That’s where a reliable residential mortgage broker in Mississauga comes in. At AJP Mortgage, we make it easy by helping you find the best mortgage rates and offering straightforward, honest advice.
Whether you’re buying your first home, refinancing, or investing in real estate, we’re here to guide you through the process. We take the time to understand your needs and make sure you get the right mortgage for your situation.
With AJP Mortgage, you can count on personalized service and a smooth experience. Let us help you secure the best residential mortgage in Mississauga and make your homeownership dreams come true.
Why Choose Us for Your Mortgage?
Choose AJP Mortgage for expert advice and the best mortgage options in Mississauga.
Getting a mortgage does not have to be complicated. At AJP Mortgage, we make the process straightforward and focused on what works best for you. Here is why clients in Mississauga rely on us:
- We Know Mississauga: We are familiar with neighbourhoods such as Port Credit, Erin Mills and Streetsville, enabling us to secure a mortgage that aligns with your goals.
- More Lenders, More Choices: We partner with a broad network of lenders across the GTA, providing competitive rates and a variety of options tailored to your needs.
- We Work for You: Whether you are a first time buyer, self employed or an investor, we take time to understand your situation and recommend appropriate solutions.
- No Cost to You: Our service is entirely free. Lenders compensate us, so you receive expert guidance without additional fees.
- Trusted and Licensed: We hold FSRA licensure and are backed by excellent reviews and endorsements from real estate professionals. You can depend on us for guidance delivered with integrity.
At AJP Mortgage, we are committed to making the mortgage process simple and stress free. Let us help you find the right mortgage.
Our Residential Mortgage Solutions in Mississauga
At AJP Mortgage, we offer a full range of residential mortgage options to match your needs, whether you’re buying your first home or growing your property portfolio. Here’s how we can help
First Time Home Buyer Mortgage Mississauga
We guide you through every step, helping with down payment assistance, explaining amortisation options, and connecting you to helpful incentive programs.
Home Purchase Mortgage Mississauga
From getting pre approved to rate shopping and strengthening your offer in areas like Port Credit or Clarkson, we’re with you from start to finish.
Mortgage Renewal Mississauga
Renewing your mortgage? Let us help you renegotiate better terms, avoid penalties, and take advantage of today’s rates.
Mortgage Refinance Mississauga
Need to free up cash or lower your monthly payments? We help you access your home equity, switch your rate type, and find the right refinancing solution.
Investment Property Mortgage Mississauga
Looking to invest? We offer financing strategies for rental homes, condos, and multi unit properties to help you grow your real estate portfolio.
Self Employed and Newcomer Mortgages
We work with flexible lenders who understand non traditional income, and we offer private lending options for newcomers or anyone needing an alternative solution.
Mortgage Options offered by Our Experts
At AJP Mortgage, we help you choose the mortgage that fits your life, your home, and your future. Here are some of the options we offer:
- Fixed Rate Mortgages: A steady rate and consistent payments, great for families in areas like Lisgar or Meadowvale who want stability and peace of mind.
- Variable Rate Mortgages: Rates that move with the market, with the potential to save more over time, ideal for buyers of downtown condos or those comfortable with some flexibility.
- High Ratio Mortgages: Buy with as little as 5 percent down. Perfect for first time buyers who are ready to enter the market but need a lower upfront cost.
- Private Lending: For unique situations like non traditional properties, self employment, or faster closings, we offer flexible private lending solutions.
Whatever your needs, we’ll help you understand your options and find the one that works best for you.
Eligibility & Requirements for Mortgage Brokerage in Mississauga
At AJP Mortgage, we’ll guide you through the requirements, explain your options, and make sure everything is clear from the start.
Credit Score Requirements
Most insured mortgages require a minimum credit score of 680. A higher score can help you qualify for better rates and more options.
Minimum Down Payment
You need at least 5 percent down for homes under $500,000. For homes over that amount, it's 5 percent on the first $500,000 and 10 percent on the rest.
Income Verification
Lenders look for steady income. We help clients working in Mississauga’s key sectors like tech, healthcare, and logistics make this step simple.
First Time Buyer Programs
Programs like the First Time Home Buyer Incentive can reduce your upfront costs and make ownership more affordable.
Local Rebates and Support
AJP Mortgage may charge a small fee for pulling your credit report. In some cases, we may cover this cost ourselves, depending on your situation.
Mortgage Pre-Approval
Getting pre-approved helps you understand how much you can afford and shows sellers you’re serious when making an offer.
Mississauga Market Insights
Stay up to date with what’s going on in the local housing market.
- Growth Along the Hurontario LRT: The new Hurontario LRT is bringing more interest to areas like Cooksville, Fairview, and City Centre. As transit improves, these neighbourhoods are expected to see a rise in property values and overall demand.
- Suburban vs Urban Demand: While condos near Square One are still popular, more families are choosing suburban areas such as Meadowvale, Lisgar, and Churchill Meadows for more space and quieter streets.
- Affordability Strategies: There are several ways to make homeownership more affordable in Mississauga. Options include high ratio mortgages, first time home buyer programs, and looking at emerging neighbourhoods like Malton and Applewood.
- Impact of New Infrastructure on Property Values: Ongoing projects like the LRT and other community improvements are helping raise property values. Buyers are showing strong interest in neighbourhoods that offer better access and updated amenities.
- Smart Planning with Local Insight: Understanding how the market is changing helps you make better decisions. At AJP Mortgage, we use our local knowledge to guide you through the process with confidence and clarity.
Our Residential Mortgage Brokerage Process
Enjoy a smooth and stress free home financing experience with AJP Mortgage, your trusted residential mortgage broker in Mississauga.
Initial Consultation
We start with a friendly conversation to understand your needs, goals, and budget.
Mortgage Pre‑Approval
We help you get pre‑approved so you know how much you can afford and are ready to make an offer.
Document Collection
We guide you through gathering the required documents like income proof, ID, and credit details.
Lender Matching
We compare offers from multiple lenders to find the mortgage that best fits your situation.
Application Submission
Once you choose a mortgage option, we handle the paperwork and submit your application.
Approval and Conditions
We walk you through the lender’s approval and help you meet any conditions quickly and easily.
Final Review and Sign Off
We review everything with you to make sure it is clear, complete, and ready for closing.
Ongoing Support
Even after your mortgage closes, we are here to answer questions and support you in the future.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What does a mortgage broker do?
We help you find the right mortgage by comparing different lenders and handling the paperwork for you.
Why not just go to my bank?
Banks offer their own products. We look at many lenders to find you better rates and more options that fit your needs.
How do I know if I can get a mortgage?
We check things like your income, credit score, and savings, then help you see what you can qualify for.
Why work with someone local in Mississauga?
We know the area, the market, and what local lenders are looking for. That makes the process smoother for you.
Do I have to pay you?
Nope. Our service is free. We’re paid by the lender once your mortgage is approved.
How long does the process take?
It depends, but usually just a few days to a week. We help move things along quickly and keep you updated the whole time.
Out of 5
What Our Clients Say
Smooth Process from Start to Finish
I was buying my first home and had no idea where to start. AJP Mortgage made everything so easy. They explained every step and found me a great rate. I felt supported the whole way.
Emily Dawson
Great Rates and Honest Advice
A friend recommended AJP Mortgage, and I’m so glad they did. They got me a better rate than my bank and were super honest and helpful. I’ll definitely be using them again.
Didar Singh
Fast, Friendly, and Professional
I needed a mortgage quickly and AJP Mortgage really came through. They were friendly, quick to respond, and made the whole process stress free. Highly recommend.