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No Headaches With Top Mortgage Broker In Bradford!

Home Refinancing Specialists Available in Bradford.

Mortgage Refinancing Experts

As far as mortgage agents in Bradford are concerned, there are none more experienced than ours. Those decades of experience comes in handy, especially when it comes to getting lower than advertised rates and speeding up the process. That is why we are the best mortgage broker in Bradford.

Our experience also shown in our customer service skills. We have the courtesy and patience to serve our best any customer that calls or comes through our doors. Don’t leave it in just anyone’s hands. Call us today and find out why we are the right choice for all your needs.

Bradford’s Residential Property

Getting a residential mortgage here in Bradford can be quick and easy, but only if you call us today. We take all of the pain and stress out of the process, so you don’t have to deal with it. Not only are we the quickest, but we are also the most professional. Now, you might be thinking low cost means you get shoddy service. After all, the general rule is that you get what you pay. However, when you hire us to handle your case, you get more than you pay.

Our Bradford Mortgage Brokers Offer The Following Services

First-Time Buyers

In Toronto, our advisors specialize in assisting those purchasing their first home. We have a knack for securing the best-suited mortgages, leveraging available incentives and providing a smooth, stress-free experience for new homebuyers.

Mortgage Refinancing

Unlock the advantages of mortgage refinancing with our support. Leverage your home's equity for home improvements, investments, or educational expenses. Carefully assess penalties, current interest rates, potential savings, and terms. Make well-informed choices and refinance up to 90% of your equity.

Mortgage Renewals

Optimize your mortgage renewal experience! Seize the chance to secure better terms, rates, and lender options. Plan ahead and engage with your mortgage broker three months in advance to tailor financial benefits to your specific needs.

Private Mortgage

In Canada's mortgage landscape, private lenders step up when traditional options aren't enough. Prioritizing property value over credit scores, they provide customized, short-term mortgages to help borrowers out in challenging situations.

Second Mortgage

By leveraging the equity in your property, a second mortgage, commonly known as a home equity loan, offers significant funds despite heightened expenses and risks. It proves invaluable for debt consolidation and investment purposes, providing access to up to 90% of your capital.

Self-Employed Mortgage

A notable 15% of self-employed Canadians face challenges obtaining mortgages due to stringent income verification requirements. Effective management of expenses, credit, and savings is critical for self-employed individuals seeking optimal mortgage solutions.

Construction Financing

Turning your dream home into reality requires dedication and financial backing. Down payments typically fall between 25% and 35%, underscoring the importance of meticulous planning. Allocating around 15% for contingency funds can help mitigate potential risks associated with construction financing.


Within the Canadian mortgage market, a HELOC offers flexible access to up to 65% of your home equity , boasting tempting low-interest rates. However, maintaining fiscal discipline is essential to avoid overspending and ensure timely repayment.

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Your Trusted Mortgage Broker In Bradford

Our reliable mortgage brokers provide the best services in Toronto and Canada at large. We give our clients exceptional services that are hard to find elsewhere. Our expert mortgage brokers will analyze your financial situation and find you a mortgage deal that suits you best. We have you covered irrespective of whether you need a first or second mortgage, construction financing, mortgage renewals, or secured lines.

The complex mortgage terms can be confusing, especially if it’s your first time applying for a mortgage. Our mortgage brokers will guide you through all the intricate terms. We will guide you through the different mortgage deals to find the most suitable for you. At Turkin Mortgage brokers, our clients always come first. Even in our negotiations with different players in the mortgage industry, we always put our clients above everything else. Due to our extensive networks in the business, we will get you the best mortgage deal.

We will go the extra mile and get you an excellent mortgage deal in Toronto stress-free!
We will never fail to answer the phone whenever you call!
We have your best financial interests in mind!
Our mortgage rates are the most competitive in Toronto!
Call us: +1 866 921 8890

Questions? We’re here to help!

Mortgage Brokers Bradford Are Here To Save You Time And Money

Frequently Asked Questions About Your Bradford Mortgage

  • What Is A Mortgage?

Mortgages are financial loans made against properties which are treated as security items to ensure that the money that has been borrowed is paid. The lender is called “mortgagee” and the borrower called “mortgagor.” The amount borrowed is called “principal”. You can avail of a mortgage for any of the following purposes:

  • Buying a new home in Bradford
  • Buying your existing home
  • Consolidation of debts
  • Renovation of a house
  • Purchasing another investment
  • Purchasing an investment property

Mortgages belong to the “secured” type of financing. The interest to pay is lower compared to other forms of financing. You can use your home equity to finance a different investment.

Turkin Mortgage will find you the best mortgage deal in Bradford that will suit your unique circumstances. It’s advantageous to use a mortgage broker who has a connection with other players in the mortgage industry. With so many mortgage options available, you need an experienced mortgage broker who can help you identify the most suitable deal. With the recent legislation changes, it’s not easy to negotiate favourable mortgage rates with conventional lenders.

As you search for a new home and a financial institution that will finance its acquisition, be careful about false and inaccurate information from companies that lie for profit. Here is how to protect yourself: know the basics and be ready with the right questions to ask. While researching, you will encounter a number of new words that form part of the mortgage language.

Types Of Mortgage Which We Offer

Mortgage Refinancing

Refinancing your mortgage in Bradford is simple. We are trying to come up with a new adjective for easy. Our team works with the same speed and diligence as that of when starting new mortgages. We promise to get you the lowest rates possible, and most of the time, they are lower than the rates advertised by lenders. Sure, it takes a little bit of convincing, but our relationship with local lenders is good enough that we can easily get your situation resolved quickly.

Residential Mortgage

Unless you just aren’t ready, you don’t have to wait to move into your home. It shouldn’t take you forever to get a residential mortgage in Bradford. We will handle all the paperwork on your behalf, which means that your family will not be in limbo until the paperwork is done. Our mortgage brokers have everything it takes to get your mortgage completed correctly, rapidly, and cheaply. We offer the best mortgage rates that you won’t find anywhere else. We guarantee the best mortgage rates for our clients in the entire Toronto.

Commercial Mortgage

If you are interested in starting up a business here, you will need a loan for your office and warehouse space. Getting a commercial mortgage here in Bradford is much faster with us than it will be with any other broker. We move to get your process completed fast. You need your business space as of yesterday, and we are here to help make that happen for you. You should be focusing on getting your staff together and all the other things you need to start making money, not waiting on your paperwork to go through. When you get us on the case, the headaches aren’t just over; they never start.

  • The Basics Of Mortgage And Glossary Of Terms

Agreement of Purchase and Sale: This is the contract made between a seller and a purchaser. Make sure your realtor is knowledgeable and experienced and able to protect your interest.

Amortization Period: in Bradford this is the length of period a mortgage loan is expected to be paid in full.

Appraisal: is the method used to determine a property’s value.

Assets: properties owned by a person, taken to be having value and can be used to meet commitments, debts and legacies.

Assumption Agreement: when a mortgaged property is passed to another person, via an assumption agreement, the new owner will pay the mortgage and the old owner is assumed to have agreed to the assumption.

Blended Payment: – is a method of loan repayment where payments are in equal installments. This includes payment of a fraction of the principal and interest on the borrowed money.

Canada Mortgage and Housing Corporation (CMHC): this is the federal crown entity that implements the National Housing Act. One of the agency’s tasks is to ensure high-ratio mortgages obtain insurance.

Closed Mortgage: this is a type of a mortgage where the borrower is not allowed to make any changes in the contract. Prepayment and renegotiation are also prohibited.

Closing Date: the date when the borrower assumes ownership of a property.

Conventional Mortgage: a mortgage with loan amount equivalent to 75% or more of a property’s appraised value.

Collateral: a property or an asset that is offered by a borrower as a way to secure a loan.

Credit Scoring: a system that evaluates the credit worthiness of borrowers. The system assigns points/scores to borrowers.

Demand Loan: this is a type of loan where the creditor can demand payment of balance on the borrower.

Deposit: a deposit is another term for a down payment. The lender requires a borrower to put his own cash into the house before approving the rest as a loan.

Equity: this is the difference of a house’s fair market value and the outstanding balance of all of the property’s liens.

First Mortgage: the primary claim on a property taking precedence over other subsequent claims. The first mortgage in Bradford will be paid first in the event of a foreclosure sale.

Fixed-Rate Mortgage: a mortgage where the rate remains constant throughout the mortgage term.

Gross Debt Service (GDS.) Ratio: this is a debt service measure that creditors use to give an initial assessment to determine whether a borrower has too much debt. A ratio less than 30% implies that the borrower’s level of debt is good enough.

Guarantor: an individual who has a good credit rating and has sufficient income to pay the loan of a borrower if the borrower is unable to do so.

High-Ratio Mortgage: a mortgage exceeding 75% of the home’s appraised value. High-ratio mortgages are required to obtain insurance to protect the lender.

Home Equity Line of Credit: a type of loan where the lender agrees to extend a loan for a certain amount within a term. The collateral for this type of loans is the borrower’s equity in his house.

Interest Adjustment Date or IAD: this is the date from which the mortgage term starts. This usually falls on the first day of the month that follows the closing date.

Interest-Only Mortgage: this is a type of mortgage where only the interest is paid each month while the entire principal is left unpaid.

Open Mortgage: this is a type of mortgage that a borrower can pay in full anytime within a term with no penalties incurred. The interest rates for open mortgages are usually higher than those of closed mortgages by about 0.75 – 1.00%.

P.I.T.: represents the principal, the interest and the mortgage tax. If the down payment made by a borrower is greater than 25% of the home’s appraised value, the lender will allow him to make his tax payments.

Portable Mortgage: is a mortgage that allows the transfer of mortgage’s balance to another property with the same lender without incurring penalties.

Prime: rates that are very low and are offered only to a company’s excellent customers.

Prepayment Penalty: is an agreement between a lender and a borrower. It regulates the part of the loan that can be paid off and when. For most lending institutions, borrowers can pay off up to 20% of their balance each year.

Principal: original loan amount, before interest

Rate Commitment: this is the lender’s promise to hold a particular interest rate for borrowers for a given period of time and while the mortgage loan is still being processed. This period ranges from thirty to one hundred twenty days.

Renewal of mortgage: Upon the termination of a mortgage term, the mortgage can be renewed. During renewal, you may decide to prepay fully or partially.

Second Mortgage: a mortgage that is taken out on a property that has already been mortgaged.

Switch: transferring a mortgage from one institution to another institution.

Term: the length of time in which the parameters of a mortgage are legally recognized.

Total Debt Service (TDS) Ratio: The part of one’s income required to cover payments related with housing.

Variable-Rate Mortgage: a mortgage where the rate can change within the mortgage’s term.

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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.

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