telephone +1 866 921 8890


Who Stands To Change The Industry


Welcome To Certified Mortgage Broker In Brampton!

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

Certified Mortgage Broker In Brampton

At Certified Mortgage Broker we have a decade of experience. Our commitment to providing a unique, high-quality service is strong. Although we pride ourselves on being the best Mortgage Broker in Brampton.

We offer a change from the usual service you would normally receive from the banks, online brokers, and loan firms. Excellent customer service, which is usually lacking with other businesses, is important to us.

We want to take the stress out of applying for a mortgage and offer you a smooth process. So, you can give us a call or apply online; we would be happy to offer you a unique experience.

Your Trusted Brampton Mortgage Broker

Don’t hesitate to contact us for the rates or questions for no obligation. Call us at 1-866-921-8890 or submit an application.

We offer award-winning customer service to each of our clients and competitive rates exclusive to us.

All of our clients have different needs, so we provide a personalized service that reflects this difference. Other companies don’t always appreciate that a one size fits all approach doesn’t always give customers the best service for them. Regardless of your credit report or financial circumstances, our Brampton mortgage brokers have something for everyone.

Why Choose Certified Mortgage Broker In Brampton?

You Can Expect the Closing to be Hassle-Free

We have in-depth knowledge about various mortgage products and solutions. We know how to customize the processes to suit varying client needs and can help you navigate through the complicated steps easily. Our Brampton mortgage brokers can guarantee speedy approvals from the proper lenders who will not make your life more difficult after giving you the loan.

We Guarantee Personalized Service

We operate with the belief that every situation is different. As such, we use a different approach to fix each one. You can approach us with your issue whether you already know the type of mortgage you need or need clarifications. We use our expertise to point you in the right direction and will be with you throughout the process. Our team knows all the factors to consider when comparing mortgage terms, fees, rates, or requirements. Be assured we only care about making your situation better and not worse.

Best Mortgage Rates

The real estate industry, especially the mortgage sector, has had many legislative changes that make it harder for aspiring homeowners to achieve their dreams. However, with our dedicated and committed team of professionals, getting a mortgage to buy or refinance your property should not be a problem.
We can overcome the challenging terms and conditions and negotiate the lowest rates for you in Brampton. We use the networks we have created with various lenders to ensure debtors get the best deals.

We Are Experts At Mortgage Refinancing

Refinancing a mortgage brings many benefits and is one of the best ways to deal with bad debts and unpleasant creditors. It is a constructive way of consolidating loans, especially unsecured debt. However, all the factors involved in the process can make acquisition difficult. You have to review the terms. The transfer process also has its challenges. Our mortgage broker Brampton can help you evaluate the situation and ascertain whether the refinancing fits your circumstances since it is not always a good alternative for everyone.

Our Brampton Mortgage Brokers Offer the Following Services

First-time buyers
First-time buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self Employed (Mortgages)
Construction Financing

Mortgage Brokers in Brampton For First Time Home Buyers

The thought of applying for a mortgage to buy your first home can be intimidating, yet the idea of not paying rent makes it more exciting. Without proper guidance, the application process can wear you down. It may even create more financial problems for you.
Our insightful brokers can help you gauge whether the mortgage is a good idea by assessing the potential repercussions it might have. We have dealt with countless first-time buyers successfully. That shows that our systematic approach and innovative methods work. We can also help you calculate the loan to value ratio, another crucial component in first-time mortgages. It keeps you from taking a loan you cannot afford by keeping all the costs within your income range.
As a rule, you should never use 40% of your salary or more to pay back the mortgage. In addition, all your monthly expenditures, including taxes, repair charges, and other maintenance costs, should never be more than 32%. We will compute all these for you.
We understand that seeking a mortgage can be challenging, but we also know its advantages. For instance, as a mortgage seeker, you get the luxury of paying a down payment that goes as low as 5%. Such an amount will require the use of CMHC coverage, but it eases some of the financial pressure when you are trying to progress from paying rent to owning your home. Our brokers can reduce the challenges further. We will interpret the conditions of the loan correctly to ensure you understand the deal before accepting it. We can also help you determine various ways of reducing the loan weight by being objective. We can also get pre-approvals where necessary.

Your Trusted Mortgage Brokers in Brampton

Our Mission
Our Mission
Why Us
Your Trusted Mortgage Broker
We aspire to keep up with the innovative solutions that make us stand out in the mortgage industry and Brampton region. Our team knows how to implement cutting-edge ideas to help our clients capitalize on the existing mortgage solutions and make them suitable for various problems. We also make our services more accessible by not charging exorbitant rates because we understand the stressful nature of financial burdens.
We never let our experts get in the way of how we deal with our clients. We will give you all the facts about the mortgage you want with respect to your current situation and your financial aspirations, but we never make the decisions for you. Also, we never force you to choose a specific lender or mortgage. Our Brampton mortgage broker will go the extra mile to search for multiple solution alternatives for you and try out several scenarios to identify the most suitable one.
Whether you are a first-time or returning borrower, the mortgage acquisition process can be confusing and tiring. We intend to keep helping our clients invest successfully without being overwhelmed with the mortgage intricacies. Our connections will reduce the duration you take to find a lender. We also ensure you do not make any rash decisions. We avail all the information you require.
We are in this business because we want to help our clients. Our friendly and seasoned team will not propose solutions that give short-term reprieve only. We want to continue being vested in improving your lifestyle by fixing your financial woes in the long term. Our mortgage broker Brampton team also strives to exceed customer expectations every time. We aim to get our various partners to give you the best terms and rates.
We're Canada's #1 Broker Two Years in a Row - 2017 & 2018
Call us: +1 866 921 8890

Questions? We’re here to help!

You have questions. We are here to help!


Certified Brampton Mortgage Brokers

Things to Know About Your Brampton Mortgage

What Is A Mortgage?

A mortgage is a type of credit in the real estate industry involving an agreement between a lender and borrower. The lender gives the money and acquires ownership of the borrower’s property that serves as leverage. If the debtor fails to pay, the creditors use their right to sell the property. They can recover some, if not all, of their funds. Payment also includes an interest in addition to the capital.

The contractual agreement covers all the bases for the loan. An example is how much the debtor should pay every month until the mortgage is cleared. Depending on the type of mortgage, the lender can use it to purchase a new property, refinance a property, pay other debts, or take care of any other existing financial issue.

What Are Some Services We Offer?

Need extra funds?
Whatever your reasons for wishing to refinance your mortgage we would be thrilled to talk through your options with you.

Looking to buy a house?
It doesn’t matter if this is your first home or if you need more room for your growing family, we can help you find a deal to suit your needs.

Expanding your business?
We understand how important your business is to you, and we want to offer you a commercial mortgage that suits the needs of you and your business.

Have questions?
Our mortgage officers are highly trained in taking away all the confusing information and leaving you with options which allow you to make an informed decision which works best for you. Whereas other lenders make things complicated, we take the complexities away and leave you with clear choices.
One of our agents will assess you and they will come up with a plan which takes into consideration your current financial situation.

When it comes to a residential mortgage in Brampton, no one beats us. Why does nobody beat us? It is because we are skilled, efficient, and well-connected. Sure, a lender may have told you that you are getting the lowest possible rate available.

However, lenders may offer rates that are below those they advertise. It is through us that they soften up in a major way, so we can get you lower rates for your case.

If you are going to have office or warehouse space, our commercial mortgage experts in Brampton are the absolute best anywhere. We ahve agents who are familiar with the local area, adding to the wonderful experience you will have when you go through us.

The shortest wait times for your paperwork to be complete comes from us. Call us today so we can help get your business up and running on the road to success. We promise to get you the absolute lowest rates possible on the market.

We Guarantee To

We want to change the industry for the better not just for our customers, but for everyone. It doesn’t matter who you are or what you require; we are confident that we will be able to assist you in following:

  • Do all we can to make sure the best deal for you happens
  • Make sure you will only ever get the best rates for you
  • Not pass your details onto insuring bodies
  • Always answer your phone call promptly
So, if you are looking for a high-quality service which is custom made to meet your requirements, which takes into account your financial circumstances, and prioritize your needs above the needs of others then look no further than Certified Mortgage Broker.

So, if you are ready to try something different and be treated like a VIP then be sure to contact us and we will offer you a unique customer experience like no other.

When it comes to getting mortgage refinancing done in Brampton, trust us to make it happen for you. Any financial process can be torturous in that it is slow and painful, but we remedy both of those symptoms very efficiently.

We take all of the headaches out of the process. This way, you can get on with whatever else you have to do in your daily life until it is all done. Just like with new home, we will ensure you truly get the best rate, so you don’t end up losing out.

Brampton’s Top Mortgage Agents
Although we pride ourselves on being the best brokers in Brampton, we recognize that our pride is useless without our exceptional staff. They are professional, always courteous and honest to our customers, ensuring their business will always come back to us.

Our team consists of highly-trained experts in their respective areas, be it residential, commercial, refinancing, or finding a lower rate. When we do work for you, we make sure you are not left waiting around for paperwork to go through. Call us today!

Mortgage Basics Explained

Are you planning to buy your first home?


A lot of people think that all it takes to go through the home purchasing process is to have saved enough money to take out a mortgage. However, if you want to make all the right decisions related to taking out a mortgage, you have to educate yourself on mortgage fundamentals.

Learn all you can about mortgages. If you know mortgage basics, you can ask about and discuss the options open to you. You know exactly what you are getting into when you choose certain options. You make educated decisions.

When you understand fully how the home purchasing process works, you are able to make decisions in your best interest.


Types of Mortgages

What are the types of mortgages you can avail of? You have two options – fixed mortgages and variable rate mortgages. Look into the pros and cons of each type of mortgage before choosing which option is best for you.

Fixed Mortgages

You pay a fixed rate for the entire term. Since you pay the same amount every time, budgeting is easier. On the down side, fixed rate mortgages are usually more expensive compared to the variable rate.

Variable Mortgages

These rates depend on a pre-determined prime rate less a set amount. It is to your advantage to get a variable mortgage when rates soar. However, with low rates, the discount is not particularly more attractive when you compare it to the fixed rate.


The Difference Between Mortgage Amortization and Mortgage Term

What is the difference between mortgage amortization and mortgage term?

Mortgage Amortization

This refers to how long it takes for you to fully pay off your mortgage. If you choose a longer amortization period, your monthly payments are lower. However, you pay more in interest.

Mortgage Term

The term refers to how long your recent agreement and interest rate holds. You may have a 20-year amortization mortgage with a mortgage term of 5 years. When the 5 year term is up, you will have to renegotiate or renew your mortgage.

Every time you renegotiate your mortgage, you get closer to completing your amortization period and paying your mortgage in full.


Mortgage Payment Options

What are the mortgage payment options available to you?

Monthly Payments

Your monthly payments are determined by your mortgage term and rate. You make 12 payments every year, with each payment being withdrawn on the same day each month from your bank account.

Bi-weekly Payments

Multiply your monthly mortgage payment by 12. Divide the resulting amount by 26 weeks. This will give you the bi-weekly payments you have to make.

Accelerated Bi-weekly Payments

You will still have to make 26 payments per year. You compute for the amount by dividing your monthly mortgage in half. This means that you will be paying a somewhat higher amount each time.

Weekly Payments

Multiply your monthly mortgage payment by 12. Then divide the amount by 52 weeks. The resulting figure is your weekly payment.

Accelerated Weekly Payments

Of all the payment options, the accelerated weekly payment is the most aggressive one available. You take your monthly mortgage payment and divide it by 4. Like your weekly payment option, you will be making 52 payments yearly. However, your accelerated weekly payments will be relatively slightly higher.

Choosing to make accelerated payments on your mortgage can work to your advantage. It can save you a lot of money.


Getting a Mortgage Broker to Assist You

How Do Mortgage Brokers Work?

There are mortgage brokers who work for lending companies or banks. Some brokers charge clients for services rendered.

On the other hand, some mortgage brokers are independent. They do not represent just one company. These brokers do not charge clients for services rendered. They receive their compensation from lending companies.

A mortgage broker can be of great assistance. He can help you scour the field so that you are able to get the best rate available. Just make sure that you find out how a particular mortgage broker operates and how he expects to get paid for his services before you decide to work with him.

You make a serious financial commitment when you get a mortgage. It will be to your advantage if you have a professional mortgage broker to help you go through the process. He can help you get the information you need and provide you with the options you have to consider. He can help you manage the mortgage application process efficiently and make judicious decisions.

Mortgage Pre-Payment Options

Before you sign any agreement, ask your lender if these options are available.

Lump Sum Payment


There are mortgages which makes it possible for you to make a lump sum payment yearly. The lender applies the whole amount to the principal. If your mortgage terms include a lump sum payment option of 25%, it may take you just 4 years to pay off your mortgage.


Monthly Pre-Payment


If you are given this option, you pay a voluntary monthly sum in addition to your regular mortgage payment. The agreed upon monthly prepayment amount is included in the terms of your mortgage.

Do not underrate these prepayment options. Like accelerated payments, they save you a lot of money. They also make it possible for you to repay your loan faster.

Google Reviews

Certified Mortgage Brokers
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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.


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