telephone +1 866 921 8890


Who Stands To Change The Industry


Your Trusted Mortgage Broker in Cambridge

Certified Mortgage Broker in Cambridge

When you need a mortgage in Canada, our commitment at Certified Mortgage Brokers is to offer you the best support so you get a stress-free experience and find the most competitive rates and terms. We are happy to be the mortgage broker in Cambridge that hundreds of homeowners turn to for their mortgage needs.

Your Trusted Mortgage Broker

We understand that the market is full of knowledgeable professionals who specialize in different areas. Our job is to be the mortgage broker in Cambridge that you can have complete confidence in. We are committed to offering the most comprehensive real estate services. Get in touch with us and let’s discuss how we can serve you.

Why choose Certified Mortgage Broker in Cambridge?

We Make Your Closing Hassle-Free

We are here to make it easy for you to get the loan that you want. When it comes to different types of mortgages, we offer you the best expertise and ensure you get the loan that is right for you fast and hassle-free.

We Help You Find the Best Mortgage Rates Out There

Legislations in Canada have tightened things up and made it harder for aspiring homeowners to get the best mortgage deals. Our team will work with you to navigate the complex terms and conditions included in mortgages and use our large portfolio of lenders to get you the best rates on your next mortgage.

We are Experts at Mortgage Refinancing

The process of consolidating debts and renewing terms of the loans can be complicated. We understand that mortgage refinancing is not for everyone. That is why our mortgage broker in Cambridge will work with you to determine if refinancing is ideal and help you find the best mortgage deal on the market.

We Offer You Personalized Services

One thing you can always count on when working with us is a personalized experience. We start by understanding your situation before shopping around for the best fees, rates and terms. We also provide our clients with several mortgage options to pick from. We are licensed and trained to offer unbiased advice.

Call us: +1 866 921 8890

Questions? We’re here to help!

You have questions. We are here to help!


We Help You Save Time and Money

Our mortgage broker in Cambridge comes highly recommended because we always strive to save you money. We do this by giving you access to a wide range of lenders. We will also help you get pre-approved and help pick the option that is perfect for you. Our healthy relationship with several lenders enables us to offer our clients the best deals.

As one of the most recommended mortgage brokerage firms in Canada, we always work hard to get you the best deal on your next mortgage. We achieve this by using our contacts and knowledge to structure a loan that matches your exact requirements. We can help you get the best-structured mortgage even if you were previously turned down by banks. Call us now to find out more.

Services We Offer

First-time buyers

As a first-time buyer we understand your plight. We will help you calculate how much you can afford; help you navigate the terms & conditions and answer any question you may have. We will also help you make the best decisions.

Mortgage Refinancing

When it is time to refinance, we will offer you the personalized help you need to find the best mortgage refinancing option and smooth the entire process. Our mortgage broker in Cambridge will also help you determine if refinancing is a good option for you or not.

Mortgage Renewals

If you haven’t paid your mortgage in full at the end of the mortgage term, we can help you renegotiate the terms. We will help you increase or reduce repayments, get variable or fixed interest rates as well as renegotiate the prepayment penalties.

Private Mortgage

Do you need funding quickly or have you been turned down by banks? At Certified Mortgage Brokers we can help you find a private lender that takes you in and offers the best terms. Private mortgages are perfect for the self-employed, persons with poor credit scores and persons with unconventional properties that banks refuse to finance. Private mortgages will also work for you if you need a second mortgage for investments, debt consolidation or renovations.

Second Mortgage

When you need a second mortgage our mortgage broker in Cambridge can help you with property valuation, calculate how much you qualify for and help you find the best lender and negotiate the best deal.

Self-employed (mortgages)

When you are self-employed, lenders feel your income is unpredictable or hard to prove. This makes it hard for you to get a loan. Our mortgage broker can help prove your income to lenders and help you find the best mortgage and terms in Cambridge.

Construction Financing

When you want to build your own home or purchase a building that is part of new development, you will need construction financing. We understand that it is harder to secure construction financing that is why we work extra hard to help you find a lender and get construction financing at the best terms.


Home Equity Line of Credit (HELOC) is a loan secured against your home’s equity. The loan can help you reduce the cost of your debt. You can count on our mortgage broker in Cambridge to find the best HELOC and negotiate the best terms for you. Our contracts with multiple loan providers enable us to help you save thousands of dollars.

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.


Fund a TD Mortgage and You Can Get up to $2500 with a Purchase!

To learn more
Contact Us

Certified Mortgage Broker Cambridge

Commonly asked questions about mortgages in Cambridge

What is a mortgage?

A mortgage is basically a property loan. It includes a mortgage agreement between the borrower and the mortgage provider that contains the terms and conditions of the mortgage. The lender holds the property as collateral against the loan. The mortgage principal is usually the amount that is borrowed.

How Much Do I Need for the Down Payment?

A down payment is an amount you have to pay upfront in order to get a mortgage. The amount paid as a down payment will depend on the value of the property. The minimum amount you can pay as a down payment is 5% of the total value of the property. If the down payment is less than 20%, you will be required to get a mortgage default insurance. The down payment is deducted from the price of the property you are buying. The larger the down payment the more money you will save.

What Mortgage Payment Choices Do I Have?

There are two main mortgage repayment plans:

  • Open mortgage repayment plan: With this plan, you are allowed to pay off the mortgage at any time during the term of the mortgage. You can get a fixed interest rate typically if the mortgage term is 6 to 12 months or a variable interest rate if the term is 3 to 5 years. The drawback is you will pay a higher interest rate. On the bright side, the terms are very flexible.
  • Closed mortgage plan: Payments with this plan are made as per the agreed terms. Paying the mortgage in full early can lead to penalties. The advantage here is you enjoy low-interest rates.

What are the Benefits of a Pre-Approved Mortgage?

  • You get to save time and effort because you will only focus on properties you can actually afford
  • You will know upfront what you need to pay as a down payment and what the monthly repayments will be. This makes it easy for you to budget.
  • Sellers will take you seriously because they know you can get the money needed to purchase the property
  • Pre-approval has a validity of 60, 90 or 120 days and attracts no cost or obligation

Terms You Should Know When Closing a Mortgage

  • Amortization: Length of time it takes to pay the mortgage off
  • Appraisal: Professional evaluation of the value of a property
  • Deposit: Payment made to secure a piece of property
  • Down payment: The amount a buyer has to pay from his own pocket for the property
  • Home inspection fee: Cost of inspecting the structural integrity of a property
  • Loan to value ratio: Size of mortgage measured against the value of the property
  • Prepayment option: An option in a closed mortgage that enables you to make specific early payments against the principal amount
  • Property transfer tax: Tax due when a property is transferred to another owner
  • Mortgage loan insurance: Insurance a buyer has to pay when their down payment is less than 20%
  • Term: The timespan of a mortgage agreement. You can renew the term or find a new mortgage when it comes to term

Fixed Vs. Variable Rates

Fixed interest rates are the most popular in Canada. They stay the same throughout the term of a mortgage. While these interest rates are much higher, they are considered because they offer borrowers more stability because they know what they need to pay every month. If you are on a tight budget, a mortgage broker in Cambridge will recommend a fixed rate.

Varied interest rates, on the other hand, are linked to the prime interest rates. They move up and down along the prime rate. The advantage is they are less expensive when calculated over time.

Contact Us