Secure your home with The help from Trusted Residential mortgage broker
in Ontario
Unlock the Best Home Financing Solutions with Ontario’s Trusted Residential Mortgage Brokers—Whether You’re a First-Time Buyer, Upgrading, or Refinancing.
Your Trusted Residential Mortgage Broker for Every Need in Ontario
Buying a home in Ontario can feel like a big challenge. With prices going up, policies changing, and so much competition, it’s easy to get overwhelmed. Whether you’re buying your first home or moving into something new, the whole process can seem complicated.
As a Residential Mortgage Broker in Ontario, AJP Mortgage is here to make it easier. Our experienced brokers understand the local market and are ready to find the best mortgage options for you. We take the time to listen to your needs and walk you through each step, offering advice that makes sense for you.
We work with a variety of lenders to make sure you get the best rates and terms possible. Our goal is simple: to help you get the right mortgage so you can focus on finding your new home, not worrying about the details. With AJP Mortgage, you’ll have the support you need all the way through the process.
Why Choose Us in Ontario?
Your Trusted Residential Mortgage Broker for Ontario Homebuyers
- Access to Multiple Lenders: We work with over 50 banks, credit unions, and private lenders, giving you access to a wide range of mortgage options to find the best deal.
- Lowest Rates You’ll Find: With exclusive discounts and special rates, we ensure you get the most competitive rates available, better than what you’ll find at a traditional bank.
- Local Expertise: Our brokers live and work in Ontario, so we have a deep understanding of local neighborhoods, regulations, and provincial programs to better guide you.
- Personalized Service: We take the time to understand your unique situation, offering mortgage solutions tailored to your budget, timeline, and long-term goals.
- Transparent Process: We provide clear communication throughout the process, ensuring you always know what to expect with no hidden fees or surprises.
- Fast, Stress-Free Approval: We simplify the approval process, helping you get into your new home faster without unnecessary delays.
- Guidance from Start to Finish: From the initial consultation to final approval, we guide you through every step, ensuring a smooth and efficient experience.
Our Residential Mortgage Solutions
We offer residential mortgage solutions tailored to your unique needs and life stage. We also provide renewal strategies to help ensure your mortgage remains competitive and aligned with your financial goals as they change over time.
A. First-Time Homebuyer Mortgages
We offer low down-payment options and help you access Ontario-specific programs such as land transfer tax rebates and government incentives. From your first question to receiving your keys, we provide clear and steady guidance every step of the way.
Homeowner Refinancing & Renewals
We assist with refinancing strategies to help lower your rate, consolidate debt, or access home equity. For renewals, we offer advice to help you avoid unnecessary fees and secure better terms with confidence.
Investment & Rental Property Mortgages
We provide financing options for condos, single-family rentals, and multi-unit properties. Our team offers insights to help improve cash flow, reduce risk, and build equity in Ontario’s property market.
Fixed vs Variable Rate Mortgages
We explain the key differences between fixed and variable rates, helping you decide when it’s best to lock in or stay flexible. With practical examples, we make it easier to choose what suits your financial plans.
Open vs Closed Mortgages
We help you compare the flexibility of open mortgages with the lower rates of closed options. Our goal is to align your mortgage with your repayment preferences and future plans.
Specialized Services for Unique Borrowers
Tailored mortgage solutions to fit your unique situation whether you’re self employed new to Canada or need a little extra flexibility.
- Self Employed Borrowers: Programs that make it easier to prove your income and secure a mortgage when you run your own business.
- Newcomers to Canada: Mortgage options designed for new arrivals, even if you don’t yet have a Canadian credit history.
- Gig and Freelance Income: Solutions for those earning from gig work, freelancing, or rental properties to help you qualify.
- Debt Consolidation: Refinance to roll multiple debts into one simple payment, saving you interest and hassle.
- Low Down Payment Options: Mortgages with as little as 5 percent down, so you can get into a home sooner.
- Renovation Mortgages: Finance both the purchase and the improvements in one loan when buying a fixer‑upper.
- Private Lender Connections: Access flexible financing through private lenders when traditional banks aren’t the right fit.
Our Simple, Streamlined Process
Getting a mortgage doesn’t have to be complicated. Here’s how we guide you through the process with clarity and care:
Free Consultation
We start with a friendly conversation to understand your goals, finances, and the kind of home you’re looking for.
Document Collection
Use our secure online portal to upload documents like pay stubs, ID, and credit details—with our full support along the way.
Rate Shopping & Negotiation
We compare mortgage offers from over 50 banks, credit unions, and private lenders, negotiating the best deal on your behalf.
Customized Recommendations
Based on your goals and profile, we provide mortgage options that fit your needs—not just what the banks offer.
Approval to Closing
We coordinate with lenders, appraisers, and lawyers to ensure a smooth process from approval to final signing.
Ongoing Support
Even after you’ve moved in, we’re here to answer questions, assist with renewals, or plan your next step.
What Lenders Look For and How We Help
Getting a mortgage in Ontario means meeting a few key requirements. Here's what lenders check
- Credit Score: Most lenders like a score of 620 or higher. If it’s below that, we’ll help you improve it with easy steps.
- Debt to Income Ratio: Lenders look at how much of your income goes to paying debts. We’ll help you understand it and lower it if needed.
- Down Payment: You can buy with as little as 5 percent down. Having 20 percent down can save you money by avoiding mortgage insurance. We’ll guide you on what works best for you.
- Support for Self Employed Buyers: Being self-employed can make it harder to show income. We’ll help you gather the right documents and find the right lender.
- Newcomer to Canada Programs: New to Canada? There are special mortgage programs for you. Even with limited credit history, we can help you qualify.
- Income Verification: Whether you have a salary or a changing income, we’ll help you show it clearly so lenders get the full picture.
- Pre-Approval Preparation: We’ll help you get pre-approved so you know what you can afford and are ready to make an offer.
- Getting Mortgage Ready: Not quite ready yet? We’ll work with you to create a plan, whether it’s saving more, paying off debt, or building credit, so you’re ready when the time comes.
KEY FEATURES OF our Residential Mortgage Solutions in Ontario
From start to finish we offer support and smart options to help you feel confident and ready to move forward.
Access to 100+ Lenders
We work with a wide range of banks, credit unions and private lenders so you have more options to choose from.
Great Rates
We help you secure some of the lowest mortgage rates available including special deals you will not find at your local bank.
Tailored Advice
We take the time to understand your budget goals and plans so your mortgage truly fits your life.
Local Ontario Expertise
We know the Ontario market well from neighbourhood trends to provincial programs and use that knowledge to guide you.
Support for Every Buyer
Whether you are buying your first home self employed or new to Canada we offer solutions that match your situation.
Flexible Options
Fixed or variable open or closed we explain each option in simple terms so you can choose with confidence.
Easy Process
From paperwork to approvals we keep things simple with secure online tools and clear communication at every step.
Ongoing Help
Even after your mortgage is approved we are here to help with renewals refinancing and smart planning for the future.
Frequently Asked Questions
Find the Information You Need to Make Informed Decisions.
What does a mortgage broker do?
A mortgage broker helps you find the right mortgage by comparing offers from multiple lenders. We guide you through the process, explain your options, and handle the paperwork from start to finish.
Do I have to pay to use a mortgage broker?
In most cases, our service is free for homebuyers. We are paid by the lender once your mortgage is finalized. We are here to help you, not sell you something.
Can you get me better rates than my bank?
Yes, we often have access to lower rates and special offers from lenders that are not available through banks directly.
What documents do I need to apply?
You will usually need ID, proof of income, recent bank statements, and a credit report. We will walk you through what is needed and help you collect everything.
Can I still get a mortgage if I am self employed or have non traditional income?
Yes. We work with lenders who understand different income types. We help you show your income clearly so you can qualify.
What if I am not ready to buy yet?
That is completely okay. We can still help you get mortgage ready with a plan to improve your credit, save for a down payment or better understand your budget.
Out of 5
What Our Clients Say
First Time Homebuyer Experience
As a first time homebuyer, I 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.
Sarah Lukes
Self Employed Success
Being self-employed, I was worried about qualifying for a mortgage. The team at AJP Mortgage helped me organize my documents and connected me with a lender who understood my situation. I’m now a proud homeowner.
Jason Marsh
Smooth Home Purchase
We were shopping for our second home and wanted the best rate. AJP Mortgage compared all the options and handled everything quickly. They made the process smooth and stress-free.