we are committed


Who Stands To Change The Industry


Your Trusted Mortgage Broker in Kitchener

Turkin Mortgage Brokers In Kitchener

Whether you are shopping for construction financing, conventional mortgage or a second mortgage, our mission at Turkin Mortgage is to make your experience easy and affordable. We take pride in being the best mortgage broker in Kitchener that aspiring homeowners turn to for their mortgage needs.

Your Trusted Kitchener Mortgage Brokers

When it is time to buy a new house or refinance, you don’t want a knowledgeable broker that will take advantage of you. As the best mortgage brokerage in Kitchener, we are here to offer you the most comprehensive real estate services you need to achieve your dream. Give us a call to find out more

Our Kitchener Mortgage Brokers Offer The Following Services

First-Time Buyers

Receive comprehensive guidance tailored exclusively for first-time homebuyers in Toronto. From identifying the most suitable mortgages to navigating through available incentives, our commitment is to ensure your journey into homeownership is smooth and stress-free.

Mortgage Refinancing

Unlock the potential of your home's equity for renovations, investments, or educational endeavors. With a meticulous assessment of penalties, current rates, potential savings, and favourable terms, we empower you to refinance confidently, accessing up to 90% of your equity wisely.

Mortgage Renewals

Don't miss out on your chance to get better rates, better terms and more lender options. Work closely with your mortgage broker three months before renewal to develop a customized strategy that maximizes your financial benefits.

Private Mortgage

Navigating the intricacies of the Canadian mortgage market can be challenging, but private lenders offer a valuable alternative when traditional routes fail. By prioritizing property values over stringent credit scores, they meet the diverse needs of borrowers, offering personalized, short-term mortgage solutions.

Second Mortgage

Exploring a second mortgage, also known as a home equity loan, opens doors to leveraging your property's equity. Whether for debt consolidation or strategic investments, this option grants access to as much as 90% of your property's equity, serving as a valuable financial resource.

Self-Employed Mortgage

Navigating the mortgage landscape can be particularly challenging for the self-employed, who often encounter stringent income verification processes. Understanding these unique hurdles, we provide tailored mortgage solutions designed to meet the specific needs of self-employed individuals.

Construction Financing

Building your dream home demands both unwavering commitment and proper financing. With down payments usually between 25-35%, meticulous planning is vital. Our construction financing is tailored for contractors and homeowners, with a 15% contingency fund to handle unexpected costs.


In the ever-changing landscape of the Canadian mortgage market, HELOC emerges as a versatile financial tool, granting access to as much as 65% of your home equity. Featuring enticing low-interest rates, HELOC offers unparalleled flexibility, providing the relief and financial freedom you seek.

$1000 Cash Back or Free iPad

When You Close With Us!

To learn more

contact us

Why Us

Our mission as leading mortgage brokers in Canada is to offer unparalleled services. We work with a team of highly-trained and experienced brokers who identify and solve the issues that mortgage brokers face. We know you seek a mortgage because your finances are strained. As a result, we offer the most competitive rates in the country to avoid straining you further.

Although we are experts in the mortgage industry, we know that we cannot meet your exact needs without listening to you. That is why we involve you throughout the process. We never sideline you when searching for the ideal mortgage solution. Instead, we always discuss all the available options and give you space to make the final decision.

We go the extra mile to ensure we get you the best mortgage in Kitchener, hassle-free!
We are always ready and happy to answer your calls!
We give you rates other mortgage brokers will never be able to!
We give priority to your financial interests!
Call us: +1 866 921 8890

Questions? We’re here to help!

Turkin Mortgage Brokers

Things to Know About Your Kitchener Mortgage

  • What Is A Mortgage?

Mortgages are contractual agreements made between lenders and borrowers. In the contract, the borrower gives the lender permission to possess their property as collateral for the amount borrowed. By so doing, the lender gets the legal right to possess the property permanently if the borrower doesn’t honour mortgage terms or fails to pay the interest and capital.

A mortgage contract has all the details that relate to the loan. This includes the duration it should take you to pay back the full amount. Once you get the money, you can use it to buy a house, pay off debts or make other investments. In the end, you have to pay the principal amount and the accrued interest. This has to be done within a set timeline.

We Help You Save Time And Money

As the leading mortgage broker in Kitchener, we help you save money by giving you access to our wide range of lenders. We are able to find you the best fit option as well as help you get pre-approved mortgages. Our connections with several lenders enable us to get you the best deal for your unique circumstances. Changes in legislation have made it harder for borrowers to negotiate a better rate with banks.

Our brokers use our contacts and knowledge to structure a loan to your specific requirements. This comes in handy if you were previously denied a loan. Our brokers will make applications to multiple lenders to find the best-structured mortgage for you.

Our Mission

We understand how complex the mortgage application process can be. It is our job to help every Canadian resident find the right mortgage solution hassle-free. We will help you navigate the confusing mortgage terms and grant you access to our diverse network to help find the mortgage partner that is perfect for you. We offer numerous options and detailed information.

Our operations revolve around our esteemed clients. We have your best interests at heart. Whether you need a new mortgage product or help to negotiate terms, our brokers will always put your needs first. Our services meet and exceed your expectations. We work with many lending partners, something that helps us offer the best loan terms on the market.

Why Choose Turkin Mortgage In Kitchener?

We Make Your Closing Hassle-Free

As the leading mortgage broker in Kitchener, our commitment is to offer the best expertise in all types of loans. We ensure you not only get the loan you need fast but also get the best deals and options.

We Offer You Personalized Services

We always start by discussing your financial goals so as to understand the type of mortgage that will be best for you. We then shop around to find the best combination of fees, rates and terms & conditions. We will also give you several mortgage options for you to choose from. As mortgage brokers, we have a duty of care when advising you on loans and mortgages. We are licensed and trained to offer you unbiased advice.

We Help You Find The Best Mortgage Rates Out There

Over the years, it has become harder for Canadians to buy a home because the legislation has been tightened up. Our job at Turkin Mortgage is to help you get the best mortgage deal in Kitchener. Our team of highly trained and experienced agents will offer their expertise to help you navigate the complex terms and conditions that are included in mortgages. We also have a large portfolio of lenders with whom we have a good standing.

We Are Experts At Mortgage Refinancing

Mortgage refinancing is one of the most common needs when paying your current mortgage and/or other debts. Mortgage refinancing means consolidating your previous debts. The process can be complex because you may have to transfer money and debts, renew terms of the loans and do several other things. Mortgage refinancing is not for everyone. Our mortgage broker in Kitchener will help you know if it is suitable for you and guide you through the steps.

  • What Mortgage Payment Choices Do I Have?

The two main mortgage repayment plans are:

Open mortgage repayment plan

This allows you to pay off the mortgage at any time during the term of the mortgage. It includes fixed rates for 6 to 12 months or variable interest rates for 3 to 5 years. A higher interest rate is paid due to the flexibility of an open mortgage.

Closed mortgage plan

Payment has to be made as per the agreed terms. Full early payment can lead to penalties. The benefit of a closed mortgage plan is the low interest rate.

  • What Are The Benefits Of A Pre-Approved Mortgage?

  • Save time and effort by only looking at properties you can afford.
  • You will know upfront what down payment is needed and what the monthly repayments will be.
  • Sellers are more likely to give your offer serious consideration because they know you have money available.
  • Pre-approval is valid for 60, 90 or 120 days and carries no cost or obligation
  • Fixed Vs. Variable Rates

Fixed interest

Fixed interest rates are popular in Canada because they remain the same throughout the terms of the mortgage. The rates are higher than the variable rates but offer borrowers the stability of knowing how much they need to pay each month. A mortgage broker in Kitchener will recommend this option if you are on a tight budget.
Variable interest

Variable interest rates are linked to prime interest rates and move up and down along the prime rate. They are less expensive when measured over time.

  • How Much Do I Need For The Down Payment?

The down payment is the initial amount you have to pay upfront to get a mortgage. The amount depends on the price of your property. The minimum down payment is typically 5%. If your down payment is less than 20%, you have to purchase a mortgage default insurance.

The down payment will be deducted from the price of the home and the mortgage will cover the remaining price. A large down payment will save you money.

  • Terms That 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

You have questions. We are here to help!



Turkin Mortgage
powered by
Henry Wright

Was looking for a mortgage broker in Toronto. Heard about Leon and his team from a co worker and decided to give them a call. after some time on the phone talking about mortgages and what would work best for me I was VERY impressed. They were polite and most importantly they knew what they were talking about. We then scheduled an appointment and I got my mortgage with a great rate. Definitely recommend.

Gina Carroll

Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.

Wilton Marble

A little while back my wife and I finally decided to stop renting and get a place of our own. After some searching we found a condo we both liked and that was in our price range. The next step was a mortgage, but honestly, neither of us knew too much of what we were getting into. We found Leon and his team after a quick search on google and have had a wonderful experience. Leon and his team of mortgage brokers are VERY knowledgable, polite, work fast and just all around very professional. They answered all our questions and we got a great rate.

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!

Wendy Langdon

Going through with this company was my best decision. These Burlington mortgage brokers are real professionals. They helped me to save thousands of dollars, I'm not sure I'd find such a good offer myself.

Contact Us