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Mortgage Brokers Windsor

Getting a mortgage is a big step in anyone’s life. For many it is the biggest financial commitment that they will ever make. Before you find yourself signing on the bottom line, a skilled and professionally trained mortgage broker can help you to tailor your mortgage agreement to your lifestyle requirements and long-term financial strategy.

Mortgages come in all shapes and sizes. At Turkin Mortgage our licenced mortgage brokers are trained to help you to understand the terms and conditions, so that you can make all the right choices. When it comes to your mortgage agreement, making the correct choices up front could save you thousands of dollars over the term of the mortgage.

It doesn’t matter whether you are applying for the first mortgage, renewing the existing mortgage, or a mortgage refinance; our agents are experienced with all types of mortgage loans and will guide you through the application process. We invite you to contact us today for all your mortgage needs. We have been in the mortgage business for decades, which makes us better placed to get you the best rates in the market. We will help you secure a mortgage deal that suits your unique financial situation.

Our Team Of Windsor Mortgage Brokers Offers The Next Services

First-Time Buyers

Our knowledgeable brokers specialize in guiding first-time homebuyers towards homeownership. We'll navigate you through the process, clarifying your options and estimating costs to find the most attractive solution.

Mortgage Refinancing

Use the equity in your home to obtain the funds you need. We'll thoroughly assess your situation to ensure refinancing is the right move, enabling you to embark on a fresh start with better terms and rates.

Mortgage Renewals

Adjust your financial obligations by leveraging the benefits of a renewal contract. Reach out to our mortgage brokers three months before renewal to secure a lender offering the most favourable terms and rates.

Private Mortgage

When conventional lenders can’t help, private mortgages offer a solution. Prioritizing property value over credit scores, they cater to diverse borrowers and expedite application processing.

Second Mortgage

Gain access to funds equivalent to 90% of your home's value with a second mortgage. Ensure minimal risks by conducting property appraisals and selecting reputable brokers for collateral management.

Self-Employed Mortgage

Navigating strict income verification can pose challenges for the 15% of self-employed Canadians during the mortgage process. Recognizing these hurdles, we provide customized solutions to meet their unique needs.

Construction Financing

Beginning your dream home construction needs dedication and funding. Down payments often range from 25-35%, so thorough planning is essential. Our construction financing options cater to both contractors and homeowners, offering a 15% contingency fund for risk mitigation.


In Canada, HELOC allows flexible access to up to 65% of home equity at low interest rates. Nonetheless, responsible fund management is vital to prevent overspending and the risk of losing your property.

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Why Us

Owning a home is one of the most outstanding achievements you can ever make in your lifetime. In recent years, owning a home in Canada has become extremely difficult, especially because the rules were tightened. Turkin Mortgage in Windsor can help you get an attractive mortgage deal and make your journey to owning a commercial or residential property in Windsor easy and hassle-free.

The mortgage application process is complex, especially if you are a first-time mortgage applicant. You need someone to hold your hand and help you navigate this complex process. At Turkin Mortgage in Windsor, we have an extensive network of mortgage lenders, making it easy for us to secure the best deals for you. We will compare offers from many lenders before we choose one.

We understand that the process of applying for a mortgage can be stressful. We will strive to make your mortgage application process fast and hassle-free.
Our agents are always available on the phone to guide you through the mortgage application.
Despite having so many mortgage brokers in Windsor, only certified mortgage brokers can get you the best rates in the market.
We care about all our clients and have their best interests at heart.
Call us: +1 866 921 8890

Questions? We’re here to help!

Turkin Mortgage Brokers Windsor

FAQs About Your Windsor Mortgage

  • What Is A Mortgage?

If you are buying a home, you will probably need a mortgage. A mortgage is a loan obtained for the purpose of buying a home. Most people do not have enough money to purchase a home. They require a mortgage from a conventional lending institution or private mortgage lender to cover the balance. After obtaining a mortgage, you can make the payments on the agreed schedule.

Every mortgage product is unique, but mortgages share similar components, including interest rates and mortgage terms. The process of applying for a mortgage can be intricate and lengthy. However, with the help of a certified mortgage broker, the process doesn’t have to be complicated. A mortgage broker guides you through the application process and helps you obtain the best rates.

Types Of Mortgages We Offer

Refinancing Mortgage

Refinancing your mortgage enables you to pay your current mortgage and any other debts against your current assets or properties. You can refinance your mortgage to consolidate your debts so that you only have to deal with one instalment instead of multiple instalments. A mortgage refinance is not ideal for everyone. You need to consult a mortgage broker to advise you whether you should refinance your mortgage or continue repaying your existing mortgage. The refinance process involves transferring debts and renewing loan terms. Our experienced mortgage brokers will guide you through the mortgage refinance process to ensure you do not get confused along the way.

Residential Mortgage

Buying a house is the first thing that comes to mind when most people hear about residential mortgages. If you want to own a home, you will need to apply for a mortgage loan unless you have all the money upfront. Each mortgage application case is unique depending on the type, size, and location of the property you are acquiring. When you approach Turkin Mortgage team in Windsor, we will first take time to understand your unique financial situation before recommending the right mortgage option. We will consider your financial capability, the cost of the property, other expenses, and the prevailing market conditions before recommending the right mortgage solution for you.

Commercial Mortgage

Even if residential mortgages are the most common, commercial mortgages are also available to buyers seeking to acquire commercial properties. You may need a commercial mortgage if you want to expand your business by adding more space or starting a new business altogether. In this case, our agents at Turkin Mortgage in Windsor will help you determine the loan that will be ideal for your business. We will recommend a mortgage option that will not strain your business financially. We have helped many clients acquire commercial mortgages with the best rates in the market. Our agents will be glad to do the same for you.

Hassle-Free Closing

We can offer you timely and reliable mortgage solutions irrespective of the type of mortgage you are looking for. Whether you are trying to expand your business or acquire a home for your family, our mortgage brokers will be with you every step of the way. We will also guide you through the process of consolidating your debts using a mortgage loan. Do not hesitate to contact us today for all your mortgage needs. Many people in Windsor have benefitted from our services; you, too, can count on our support.

  • What Mortgage Repayment Choices Do I Have?

You can choose from two options when obtaining a mortgage: fixed and variable.

The interest rate remains the same for the entire loan term for a fixed-rate mortgage. With this option, you are locking the interest rates. There will be no unpleasant surprises because you will know exactly what you are paying.

Most variable interest rate mortgages provide a discount because you will be paying less than the existing market interest rate. You could realize even greater savings if the current market rates fall. However, if the interest rate increases, you might end up paying much more than you would have paid in the case of a fixed-rate mortgage. Some lenders allow borrowers to convert a variable-rate mortgage to a fixed-rate mortgage. To ensure that you choose the right option, consult an experienced mortgage broker to help you understand the pros and cons of each option.

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

With all the excitement of buying a new home, you may be tempted to jump right into the property listings to identify your preferred mortgage. However, before you jump head-first into looking for a new property, you should seek the help of a certified mortgage broker to have your mortgage loan approved beforehand. Some of the leading benefits of a pre-approved mortgage are:

  • A pre-approved mortgage helps you to determine what you can afford. It would be frustrating to shop around for a property only to find out later that you can’t afford it.
  • With a pre-approved mortgage, you can act fast. Once you identify your desired property, the last thing you would want is to deal with delayed financing. Seeking a pre-approved mortgage can help you speed up the process of buying a home.
  • A mortgage pre-approval makes it easier to negotiate for the property you want to acquire because sellers will be convinced that you are serious about buying the property.
  • Which Is The Better Option: Fixed Or Variable Interest Rates?

The comparison between the fixed and variable interest rates comes down to cost and predictability. With a fixed-rate mortgage, you will know your interest rate and the exact mortgage payments throughout the loan term. However, with a variable-rate mortgage, your rate could fluctuate. So, which is better, a fixed or variable mortgage rate?

Fixed interest

If you intend to remain in your home for a considerable period and you value certainty, you could go for a fixed-rate mortgage. A fixed-rate mortgage could be worth it despite the extra costs and the risks of pre-paid penalties.

Variable interest

On the other hand, a variable mortgage could be ideal if you don’t mind taking risks. If the interest rates drop during the mortgage term, a variable-rate mortgage could save you money. Your mortgage broker will help you consider both fixed and variable-rate mortgages to help you choose the viable option.

  • How Much Do I Need For The Down Payment?

A down payment is money you pay upfront in order to get a mortgage. The minimum down payment in Canada is 5%, but this varies depending on the price of a property. You must purchase mortgage default insurance, usually known as CMHC, if the down payment you make is less than 20%. You can pay the down payment in monthly instalments or as a lump sum amount.

The down payment you made is subtracted from the price of the home you are buying, while the mortgage covers the rest of the cost. The larger your down payment, the more savings you can make on the interest. Your mortgage broker will help you calculate the down payment you should make for the desired property.

  • What Are Closing Costs?

Closing costs are charges and fees that you pay above the purchase price of a property. They include the fees associated with originating and underwriting a mortgage. You will incur appraisal costs when verifying the property value. You will also incur home inspection fees to determine the state of the property and ensure that you don’t incur unexpected repair costs in the future. Other closing costs include real estate commissions, insurance premiums, taxes, and title and record filings. When budgeting for the closing costs, you should set aside between 2% and 4% of the purchase price.

  • What Documents Will I Need To Finalize My Mortgage?

You will need several documents to finalize your mortgage in Windsor:

  • A list of your assets
  • Bank account details
  • Lawyer details
  • Proof of income
  • List of your liabilities
  • Proof that you have completed the down payment
  • MLS Listing
  • A purchase agreement
  • Building plans if you are constructing a house instead of buying a ready one
  • Important Terms To Know When Closing A Mortgage

You should understand the following terms when closing a mortgage:

Deposit: This is the amount you pay to secure a property.

Amortization: This is the period it takes to pay off your loan in full.

Appraisal: This involves evaluating the property you are acquiring to determine its value.

Home Inspection Fee: It is the cost incurred when examining a property to determine its structural integrity. This saves you from investing in a substandard property and later incurring unexpected repair costs.

Property Tax: This is tax paid when transferring property from one person to the other.

Prepayment Option: This applies to a closed mortgage, whereby you are allowed to make early payments against the principal loan amount. You will incur penalties with some prepayment options, but other options have no penalties.

Loan to Value Ratio: This is the value of your property, less the outstanding mortgage amount.

Term: This is the repayment period or the timespan of your mortgage. At the end of the mortgage term, you can renew the mortgage with your existing lender or find a new lender.

Mortgage Loan Insurance: You must pay this insurance if your down payment is less than 20%. The cost of the insurance depends on the mortgage size.

You have questions. We are here to help!



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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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