telephone +1 866 921 8890


Who Stands To Change The Industry


Get On Board With The Top Mortgage Broker In Ajax!

…a Durham based brokerage with a decade of experience under its belt.

People Are What Makes Us The Best

No mortgage broker or any other company for that matter can succeed without a competent and dedicated staff. Our brilliant team is why we got to the top and stayed there. Our team is knowledgeable in all types of property loans as well as customer service and relationship building. We can ensure the best services than any other mortgage broker in Ajax.

It is our staff’s high professionalism which allowed communication with lenders effectively. We make the deals with the banks so you can get the best rates possible. We make sure they know the process of the paperwork needs to be swift, and with their association, we ensure top quality customer service.

Put Us To The Test

We can go on and on about how great we are at what we do, but why not just find it out yourself? Call us at +1 866-921-8890 today with your questions and concerns, and we will answer them as quickly as possible, with honesty and a smile, the cornerstone of excellent customer service.

Those who live here already know that Ajax is growing fast. Part of Durham, it is the fastest growing area of Ontario, part of the eastern Greater Toronto Area. To live or do business in Ajax, you will likely need a mortgage, which is why we are here. We will provide the best service of any mortgage broker in Ajax.

Why Us
Why Us
Our Mission
Your Trusted Mortgage Broker

We Will Ensure You Access The Best Mortgage in Toronto Without Challenges!

We Offer Competitive Rates You Will Never Get Anywhere Else!

Your Financial Wellbeing Is Our Business — We Have Your Interests In Mind!

We Keep Communication Channels Open to Address All Your Concerns!

We're Canada's #1 Broker Two Years in a Row - 2017 & 2018

Types of Mortgages We Offer

Refinancing Mortgage

Mortgage refinancing refers to replacing an existing mortgage with a new one, typically with better terms and conditions. Refinancing is typically done to lower monthly payments, obtain a lower interest rate, or access cash from the equity built up in a home. Our mortgage refinancing process is simple and involves researching and comparing lenders, applying for a new mortgage, property appraisal, and closing on the new loan.

Borrowers must consider closing costs, which can include fees for appraisal, credit report, title search, and loan origination. Refinancing can be a valuable financial tool for homeowners who want to save money or access cash. However, it’s imperative to perform a cost-benefit analysis before making the final decision.

Residential Mortgage

A residential mortgage is a loan obtained by homeowners to purchase a property. The mortgage is secured against the property, meaning that the lender can seize the property to recoup their losses if the borrower defaults on payments. Residential mortgages typically have a fixed or variable interest rate and a set term of repayment.

Certified Mortgage Brokers are licensed professionals who can assist you find the best mortgage options that fit your financial situation. We collaborate with various reputable lenders to obtain the most competitive interest rates and terms for our clients. Additionally, our team provides guidance on mortgage refinancing, home equity loans, and other related services.

Commercial Mortgage

Many people are familiar with commercial or industrial mortgages. This loan is ideal for people looking forward to establishing a new or expanding an existing business but with limited space. Businesses need to sell their products and services, so they require a marketplace and hence, the need to get additional space.

It’s imperative to consider an ideal loan that matches your company’s needs. Our skilled and experienced team of experts has helped many businesses by offering commercial mortgages. That said, we’ll walk with you every step of the way and ensure your needs are effectively and conclusively addressed. We’re here to serve you.

Hassle Free Closing

The team of professionals at Certified Mortgage Brokers can assist you with any of your needs. We offer expert advice on all loan options. Additionally, we offer the greatest deals and possibilities in Ajax. We provide financial support for different reasons, like when your family is relocating, scaling a business, consolidating your obligations and more. Our skilled and experienced team will review your case and recommend the ideal financing option that fits your financial needs. Reach out to us today, and let us help you solve your problem.

Our Team of Ajax Mortgage Brokers Offers the Next Services

First Time Buyers
First Time Buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self Employed (Mortgages)
Construction Financing

Our Team of Mortgage Brokers Based in Ajax Will Assist You Throughout the Entire Process

Every young person undoubtedly aspires to buy a home or property. However, your current decisions can significantly impact your future. Consequently, many potential clients are hesitant to take on a first-time home buyer mortgage because securing a mortgage is a major financial commitment, and the decisions made now can have significant implications in the future.

At Certified Mortgage Brokers Ajax, we’ve been helping young people navigate this process for years. Before making a purchase, first-time home buyers must consider several factors. Simply put, they should consider whether they can afford to service the mortgage. Costs like property taxes, maintenance, utilities, and more are often overlooked, but they significantly impact the terms and conditions of a mortgage. Failing to plan for these costs can quickly turn the joy of owning a home into a burden.

Another important factor to consider is the debt-to-income ratio. Not more than 40% of your income should go to paying debts, while housing costs shouldn’t account for more than 32% of your income. These limitations or best practices should help determine the type of property you can afford.

Mortgage brokers are highly trained and can help guide first-time homebuyers through the various terms and conditions that apply to mortgages. Understanding how your broker can help and applying this information to your current and future financial plans and lifestyle choices can save a lot of money in the long run.

Mortgage brokers can determine the mortgage you qualify for and the resulting repayments. As a reputable mortgage broker, contact us for the best mortgage deals in Ajax.

Call us: +1 866 921 8890

Questions? We’re here to help!


$1000 Cash Back or Free iPad

When You Close With Us!

To learn more

contact us

Certified Mortgage Broker Ajax

FAQs About Your Ajax Mortgage

What is a Mortgage?

A mortgage is a loan used for financing the purchase of a property, such as a home or commercial building. The borrower, often referred to as the mortgagor, pledges the property as collateral for the loan. On the other hand, the lender (mortgagee) agrees to provide funds to the borrower for the property purchase, expecting the borrower will repay the loan over a pre-agreed duration, with interest.

Mortgages can vary by interest rates, payment structures, and duration. The longer the term of the mortgage, the lower the monthly payments, and the higher the total payable interest. Mortgages can be obtained from banks, credit unions, and mortgage brokers. Homebuyers are required to provide an upfront down payment to secure a mortgage.

What Mortgage Repayment Choices Do I Have?

There are two repayment plans for mortgages to choose from—open or closed mortgage repayment plans.

  • Open Mortgage Repayment Plan
    Under this option, the borrower can make repayments anytime during the term without incurring penalties. The payment term for an open mortgage is usually shorter, ranging from six months to a year for fixed interest rates and three to five years for variable interest rates. However, the interest rate is higher due to the flexibility of this plan.
  • Closed Mortgage Repayment Plan
    This mortgage repayment option limits the flexibility of the borrower to make repayments as they please. While there may be some flexibility to make lump sum payments, early full payment will result in penalties. However, one benefit of a closed mortgage repayment plan is a lower interest rate.

Before settling on a mortgage repayment plan option, it’s wise to seek advice from a financial advisor.

What Are the Benefits of a Pre-Approved Mortgage?

A pre-approved mortgage can offer numerous benefits to homebuyers, including:

  • Budgeting
    It gives homebuyers a clear understanding of their budget, allowing them to search for homes that match their financial means.
  • Facilitates A Faster Buying Process
    Pre-approved mortgages can speed up the homebuying process by streamlining the mortgage application and approval process.
  • Signifies Seriousness
    Pre-approval demonstrates to sellers that the homebuyer is serious and financially capable of purchasing their home. This potentially gives them a competitive advantage.
  • Bargaining Power
    A pre-approved mortgage may provide homebuyers with greater bargaining power when negotiating with sellers, as they can demonstrate their financial readiness and ability to make an offer quickly.

Overall, a pre-approved mortgage can help homebuyers save time, reduce stress, and increase their chances of finding and securing their dream home. It is an important step in the home-buying process and can be beneficial for potential homeowners.

Which is the Better Option: Fixed or Variable Interest Rates?

When choosing between fixed or variable interest rates for a mortgage, the decision should be based on personal preference and risk tolerance. However, fixed rates are a more popular choice in Canada as they provide borrowers with a consistent interest rate throughout the mortgage term. While fixed rates are generally higher than variable rates, they offer the stability of knowing exactly what your monthly payments will be. This makes them ideal for borrowers on a tight budget.

On the other hand, variable rates are linked to the prime interest rate and fluctuate up and down accordingly. While variable rates are less expensive than fixed rates over time, they may present uncertainties and keep borrowers on edge. The choice between fixed and variable rates is personal. Borrowers should weigh the pros and cons of each option to determine the one suited to their needs.

How Much Do I Need for the Down Payment?

The amount of down payment required for a mortgage in Toronto depends on several factors, including the purchase price of the property and the type of mortgage. In Canada, a down payment of at least 5% of the purchase price is required for a mortgage.

If the purchase price is over $500,000, a minimum down payment of 5% is required on the first $500,000, and 10% on any amount over $500,000.

Additionally, if you’re a first-time homebuyer, you may be eligible for the First-Time Home Buyer Incentive program, which provides up to 10% of the purchase price of a new or existing home as a shared equity mortgage. This can help lower your down payment requirements.

The size of your down payment will affect your mortgage payments and the amount of interest you pay over the life of your mortgage. It’s recommended to aim for a down payment of at least 20% to avoid paying for mortgage default insurance.

What Are Closing Costs?

Closing costs refer to the expenses that homebuyers and sellers incur to complete a real estate transaction. They account for 2% to 4% of the buying price. These costs include fees associated with obtaining a mortgage loan, such as origination fees, appraisal fees, and title insurance. They may also include prepaid expenses, such as property taxes and homeowner’s insurance, legal fees, title search, and recording of the deed. The applicable closing costs can vary by location, the type of property, and the terms of the mortgage loan.

What Documents Will I need to Finalize My Mortgage?

  • Statement of net assets and liabilities
  • Documents of identification, such as a government-issued identification card, passport, and others.
  • Statement from your bank
  • If you’re building, you’ll need a construction plan.
  • Statements of profit and loss.
  • Details about your legal team.
  • A purchase agreement.
  • MLS listing.
  • Proof that you made the down payment.

Important Terms to Know When Closing a Mortgage

  • Amortization – It refers to the duration of settling a mortgage.
  • Appraisal – A professional assessment of a property’s value.
  • Deposit – Initial payment made to secure the purchase of a property.
  • Down Payment – Amount a buyer pays from their funds for the property. It’s typically expressed as a percentage of the purchase price.
  • Home Inspection Fees – The cost of a home inspection to check the property’s structural integrity.
  • Loan-to-Value Ratio – A measurement of the size of the mortgage compared to the property’s value.
  • Prepayment Option – A feature available on closed mortgages that allows borrowers to make early payments against the principal amount. While some pre-payment options attract penalties, others do not.
  • Property Transfer Tax – A tax imposed when a property changes ownership.
  • Mortgage Loan Insurance – Compulsory insurance payable when the down payment is less than 20% of the purchase price. The cost of insurance depends on the size of the mortgage.
  • Term – This is the duration of your mortgage agreement. Borrowers will need to renew or find a new mortgage provider at the end of the term.
  • Interest Rate – This is the cost of the mortgage. Interest rates can vary by lenders.

You have questions. We are here to help!

Residential Mortgages

If you are looking to buy a house in Ajax you should contact us about a home mortgage options available. We promise you many things, and we will be diligent to ensure that we keep all our promises. You will get the fastest service, fastest processing, and lowest rate of any broker in the area. Why is it the lowest? We work directly with lenders, building relationships that will guarantee we can get you a better rate, even lower than their advertised rates.

Refinancing Done Right

If you already own a house in Ajax and want pull extra cash from it’s cost, we are only a phone call away. We do the fastest mortgage refinancing in Ajax, or anywhere for that matter. Long, tedious process of paperwork and processing is a thing of the past with us in your corner.

You don’t need hassles, rates higher than what you were already paying, or a lengthy process. You need it done fast, competent, and at low cost. We will fulfill all three of these criterias for you.

For Our Business Customers

Commercial mortgages in Ajax have never been easier than they are now that we are here to do the groundwork for you. With us by your side, you can just focus on getting ready to open up your doors, rather than the headaches of going through the whole process yourself. Running a business is stressful enough, so why take on more by having some other broker handle your paperwork? Get it done right the first time and with a speed that will surely make you smile.

Google Reviews

Certified Mortgage Brokers
powered by
Afton Jaskolski

Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!

Davin Mills

There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases

Tracy Wilhoite

I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.

Ryder Turcotte

My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!

Lucy Zimmerman

Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.

Contact Us