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.

Why Us?

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.

Let’s Talk!

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 which 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 we have something for everyone.

Call us: +1 866 921 8890

Questions? We’re here to help!


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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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