Mortgage Broker Markham

As low as 1.89% Fixed

for a free consultation
  • Who We Are?
    We are a Financial Services Regulatory Authority of Ontario-certified mortgage brokerage firm operating in Markham and the GTA. We offer both individual and commercial mortgage solutions, including second mortgages, home equity lines of credit, new to Canada mortgages, equity takeout, mortgages for rental properties, and unsecured lines of credit. Others are self-employed mortgages, construction mortgages, first time home buyer mortgages, private mortgage lending, mortgage refinance, and mortgage transfers.

  • Why Trust Approved
    You first: We put you first, not the lender. We work with different lenders, credit agencies, and real estate agencies in Markham to increase your chances of getting a good deal at a good interest rate.

    You will save money: We get our commission from the lender and not from you. The initial consultation is free of charge.

    Get your own broker: We will assign a broker to you. Your broker will help you get the best deal and guide you through the entire process, including filing the relevant paperwork, giving you unparalleled convenience.
  • Something for Everyone
    We understand that different clients in Markham have different incomes, circumstances, and needs. We, therefore, offer a variety of solutions to ensure there is something for everyone. Our services help you consolidate debt, refinance, lower your mortgage interest rate, and even improve your credit score.

    When you engage us, we start searching for your mortgage or refinance solution immediately. In most cases, we get refinance approval the same day. We will hunt for special features offered by lenders to attract and retain clients. These include expandable mortgages, cashback on registration and appraisal costs, portable mortgages, assumable mortgages, and much more. Call us today on (416) 419-3939 to book a free consultation.
Mortgage Offers
pick the one thats right for you.
  • get
    $ 2,000
    on purchase over
    $500, 000
  • Receive
    $ 1,400
    when you transfer
    your mortgage of over $500,000
  • complimentary
    12 months
    Home service plan
    fint out more
Purchase or Refinance
for a free consultation
  • Second Mortgage
  • Residential Mortgages
  • Commercial Mortgages
  • Second Mortgage
    As the term suggests, a second mortgage is an additional loan you take out on a property that already has a mortgage. You can get up to 80% of your property’s value, less existing mortgage. Lenders see this as being riskier, hence the higher interest rates. We have an experienced team that has been helping Markham residents negotiate the lowest interest rates possible.

  • Residential Mortgages
    You can get a residential mortgage if you intend to reside in the said residential mortgage. These mortgages have CMHC insurance, which is an explicit government guarantee providing 100% coverage when the borrower is unable to raise 20% of the property value as down payment. We help residents of Markham, Ontario get good rates and pass the lender’s stress test.
  • Commercial Mortgages
    Interest rates charged for commercial mortgages are higher than those of residential mortgages and the down payment required is bigger because of the higher risk of a business going under. We guide residents of Markham to buy residential real estate, storefronts with apartments, pure multi-family residential properties, and other commercial properties at attractive interest rates and in a timely manner.

    If you have equity on your home, a good credit score, a debt-to-income ratio of 40% to 50%, and you can demonstrate you are able to meet your monthly financial obligations, you may qualify for a Home Equity Line of Credit (HELOC). Our team of experienced negotiators will find you the HELOC with the most favorable interest rate and other terms.

    Permanent Residents who have a good credit score can access typical mortgages at an interest rate of 5% of the property’s value, and 10% for those who don’t have Permanent Residence status. If you don’t meet the credit score and other criteria set out by lenders, you can get a New to Canada Mortgage from Canada Guaranty, Canada Mortgage and Housing Corporation (CMHC), or Genworth Financial. Our team has vast experience in New to Canada Mortgage applications.
    If you require cash and you don’t have collateral, you can get an unsecured line of credit. The interest rate is higher than with a secured line of credit because of the risk the lender assumes, which makes it necessary to get a mortgage broker to help you get the best deal. We will help you get an unsecured line of credit with competitive interest rates and fees.
    It has traditionally been more difficult for self-employed individuals to get mortgages because they don’t always have a regular revenue stream. Self-employed mortgages are meant to cater for this growing demographic. We assist clients to get the lowest rates and the best terms possible, including assisting clients to provide Notice of Assessment, business statements, proof that the business has been in operation for over 2 years, and others.
    If you are trying to buy an unconventional property, to get a short-term loan, to get a quick loan, you have a poor credit score, or you have an unverifiable income source, a bank may not give you a mortgage. Private mortgage lenders in Markham, ON have more relaxed requirements. We have worked with many private lenders and we are able to get you the best possible deal, irrespective of your financial circumstances.
    If you want to access the equity in your property, to consolidate debt, or to get lower interest rates on your mortgage, mortgage refinance is a good option. You can get your mortgage refinanced through a Home Equity Line of Credit, by extending/blending your current mortgage, or through a reverse mortgage. Contact our team of Mortgage Brokers for a free consultation covering the effects of breaking your current mortgage.
Banks and Mortgage Brokers
vs. RMA Mortgage
  • Big Bank Rates
    $ 706
  • Typical Broker Rates
    $ 3200
  • $ 5485
Our team consists of experienced negotiators. This and the relationships we have with different lenders allow us to get the best interest rates for you.
Featured Rates
  • Lender
  • Rate
  • Term
  • Toronto-Dominion
    5 years
  • Scotiabank
    5 years
  • CMLS
    5 years
  • RFA
    5 years
  • First National Bank
    3 years
  • DUCA
    5 year
  • B2B
    5 years
  • Meridian
    5 years
  • RMG Mortgage
    5 years
  • Manulife Bank
    5 years
  • Lender
  • Rate
  • Home Trust
    5 years
  • Mcap
    5 years
  • Type
  • Rate
  • Secured line of credit
  • Private mortgages
We Are Here to Help
What our CLients Say
Customer Testimonials
  • Avatar Boyd Wehner ★★★★★
    I used Nick to renew my mortgage. He found me a better deal than my bank could offer and I intend to use him again the next time I need to renew. Nick did all the work, he made it easy and simple for me. He really knows his stuff!
  • Avatar Nicole B. ★★★★★
    I have been dealing with Masoud for my first mortgage back in 2016 and my second mortgage in 2019. He has always been of great help and easy access. He is the first person I go to with regards to mortgage questions. Keep up the good work guys!!
  • Avatar kit cathe ★★★★★
    Working with Masoud was a great experience. We learned about mortgage options that were new to us as we were first-time buyers. Knowledgeable and helpful with no pressure, we were able to make an informed decision that worked out very well for our needs.
  • Avatar David Smith ★★★★★
    I can't recommend Masoud enough if you need a mortgage, a renewal, or even help getting to that point. He is extremely knowledgeable and resourceful and works incredibly hard for his clients! He’s done our first mortgage in 2014, refinance in 2028 and now our second mortgage this winter.
Contact Us
Mortgage Brokers That Get You Approved
Across Toronto
…we offer a piece of mind when it comes to your mortgage needs every single time.