telephone +1 866 921 8890


Who Stands To Change The Industry


Welcome to Certified Mortgage Brokers!

…an Oshawa based brokerage with a decade of experience under its belt.

Why Us?

It is our mission to help you answer questions without any obligation. We have the right solutions on refinancing, residential and commercial mortgages. High quality services are provided by hard working and a professional staff. That’ why we are the best mortgage broker in Oshawa.

The Best Rate

We offer the best rates and terms. With market changes, whether they be abrupt or unexpected our team expertise enables us to stay on top of these changes. We have special access to hundreds of brokerage products. This is why we are able to provide the lowest rates than any other mortgage broker in Oshawa.

About Oshawa

The city of Oshawa is considered one of the best places to live within the Gta. The city has won the gold award at the 2007 International awards for the Most liveable communities and an overall population of 75,001-200,000. (CityNews)

Let’s Talk!

Don’t hesitate to contact us for the rates or questions for no obligation. Contact us 1-866-921-8890 or submit an application.

Types of Mortgages We Offer

Refinancing Mortgage

If you’re thinking about refinancing your mortgage, talk to a one of our specialists for convenient, flexible and affordable options. Here are just few reason why would you want to consider this alternative:

– Renovation

– Other Property Investments

– Education

– Weddings

– And other solutions

Another common reason for refinancing is to consolidate debt such as higher interest credit card balances and loans. By consolidating these debts into your house cost at a lower interest rate, you can save money and have all your debt in one place.

Residential Mortgage

Our mortgage broker Toronto will help you choose the best option that suits your needs. Each client requires individual approach, and our solutions and services are also unique to every person. Buying a house may be a very important decision. Our experts will assess your situation and get your first, second or third mortgage approved. When purchasing a home, we consider a number of important things. A cost of a house you can pay off easily depending on your income. We also estimate how much you will be able to contribute to your loan payment and home related expenses over a short or long period of time. It is important that our professionals will take everything into consideration to find the deal that is most suitable to your current and future situation.

Commercial Mortgage

Are you looking for an industrial mortgage for a property such as a factory, warehouse and/or other industrial plants? We have extensive experience in the industry. We cover properties of all sizes and provide you with the maximum savings. We take a customized approach to every client. If it is your dream to open a long-term business on the property or as an investment with the intent of selling, we have a plan to suit your needs.

Hassle Free Closing

The team of professionals at Certified Mortgage Brokers can assist you with any of your loan needs. We offer expert advice on all loan options. Additionally, we offer the most incredible deals and possibilities in Oshawa. We provide financial support for different reasons, like when your family is relocating, scaling a business, consolidating your obligations, and more. Our skilled and experienced team will review your case and recommend the ideal financing option that fits your financial needs. Reach out to us today, and let us help you solve your problem.

Our Team of Oshawa Mortgage Brokers Offers the Next Services

First Time Buyers
First Time Buyers
Mortgage Refinancing
Mortgage Renewals
Private Mortgage
Second Mortgage
Self Employed (Mortgages)
Construction Financing

Our Team of Mortgage Brokers Based in Oshawa Will Assist You Throughout the Entire Process

There are a lot of young individuals who have the desire to own a home, but they’re hesitant because it’s such a significant financial commitment. Since we opened our doors, our mission at Certified Mortgage Brokers in Oshawa has been to guide first-time buyers of real estate in the proper direction.

Before deciding to purchase a home, there are a lot of factors to consider, such as whether or not you can afford the monthly mortgage payments and many more. Also, it’s important to have sufficient resources to meet potential home expenses such as property taxes, maintenance, and utility bills because these costs can quickly add up.

You should also look at the ratio of your overall debt to your income. Strive to have a total debt that is no more than 40% of your income, and your housing expenditures should be no more than 32%. Our team of professionals at CMB is available to answer any questions you may have regarding the terms and conditions of mortgages. We’ll help you choose the type of loan that is most suitable for your needs and one you can comfortably repay without hassles.

Certified Mortgage Brokers is a highly sought-after mortgage service company in Canada. We have built a solid reputation among our clientele for providing them with rates that are among the most competitive in the industry as well as customized mortgage solutions. Our skilled and experienced team is composed of highly qualified individuals. In addition, we work hard to maintain a robust network of lenders, which allows us to provide our customers with access to a comprehensive selection of mortgage plans.

Call us: +1 866 921 8890

Questions? We’re here to help!


$1000 Cash Back or Free iPad

When You Close With Us!

To learn more

contact us

You have questions. We are here to help!


Certified Mortgage Broker Oshawa

FAQs About Your Oshawa Mortgage

What is a Mortgage?

A mortgage is a legal contract between a lender and a borrower in which the borrower acquires funds to purchase a property, most commonly a home. Borrowers must repay the borrowed funds plus interest over a set length of time, typically 15 to 30 years. Because the property serves as security for the loan, if the borrower fails to make the required payments, the lender can confiscate the property through a process known as foreclosure.

The principle, interest rate, length, and kind of mortgage are all components of a mortgage. The principal amount is the borrowed money, and the interest rate is the cost of borrowing the funds given as a percentage. A mortgage’s term is the amount of time the borrower has to repay the loan, but the kind of mortgage refers to the specific lending program, such as a fixed-rate or adjustable-rate mortgage.

What Mortgage Repayment Choices Do I Have?

Mortgage repayment options are basically two – open and closed repayment plans.

Open Repayment Mortgage Plan

An open repayment plan allows payments to be made at any time without penalty. Payment terms are often shorter, implying that the interest rate would be greater.

Closed Repayment Mortgage Plan

Closed mortgages may not offer the same level of freedom as open plans. For instance, lump sum payments are allowed, but full prepayments are frowned upon and will result in fines.

Our team at Certified Mortgage Brokers will evaluate your needs and recommend the best mortgage repayment plan alternative. We help our clients by examining their financial situation, comparing mortgage options from various lenders, and negotiating better terms on their behalf.

Additionally, we offer useful guidance on interest rates, payment schedules, and payment options, ensuring that you choose a mortgage plan that fits your goals and budget.

What Are the Benefits of a Pre-Approved Mortgage?

A pre-approved mortgage provides many benefits to homebuyers, including:


Borrowers may quickly search for residences that meet their financial situations and budgets with a pre-approved loan because they know how much they qualify for.

Simplifies The Purchasing Procedure

Pre-approval can also speed up the entire home-buying process by expediting the mortgage application and approval process.

Pre-approved Mortgages Demonstrate The Buyer’s Intent to Transact

Furthermore, sellers see this as a serious indication that you have the financial means to acquire their home, providing you with an advantage over other purchasers. You may even have more bargaining power when negotiating with sellers because you may demonstrate your financial readiness and capacity to make an offer immediately.

Overall, getting pre-approved for a mortgage can save you time, reduce worry, and increase your chances of finding and obtaining your dream house. It is an important stage in the home-buying process that will benefit prospective homeowners.

Which is the Better Option: Fixed or Variable Interest Rates?

When it comes to interest rates, it is totally up to the individual. Nonetheless, in many cases, the borrower’s risk tolerance is the primary factor influencing this decision. Risk-averse borrowers frequently pick fixed interest rates, whereas borrowers who are not risk-averse prefer variable interest rates.

In Canada, fixed interest rates are preferred over variable rates. Although they’re typically slightly higher than variable rates, they’re more secure because the borrower knows what their monthly payments would be in advance. As a result, they’re particularly appealing to people with little financial resources.

Variable interest rates, on the other hand, are tied to the prime rate and rise and decrease in sync with prime interest rates. They are less expensive in the long term than fixed interest rates. If the uncertainty of this choice does not appeal to you, fixed interest rates are your best bet.

How Much Do I Need for the Down Payment?

The down payment required to secure a mortgage in Canada is proportional to the home’s price and the type of mortgage being sought. In most cases, the bare minimum down payment is:

  • 5% of the first $ 5,000 dollars spent
  • 10% on the remaining balance between $500,000 and $1,000,000
  • Properties over $1,000,000 qualify for a 20% discount

If your down payment is less than 20%, mortgage default insurance may be required. However, if your down payment is more than the required minimum, you may qualify for a better interest rate, cheaper monthly payments, and a shorter loan term.

What Are Closing Costs?

Closing fees are the costs that borrowers or buyers must pay to complete a property acquisition transaction when buying a home. Lenders often require borrowers to set aside 2-4% of the property’s value to cover these fees. The following are typical closing costs:

  • Property Appraisal – For determining the property’s worth.
  • House Inspection – To ensure find out if major repairs are required.
  • Land transfer tax
  • Property insurance
  • Tax payments
  • Legal fees
  • Adjustment costs

The above-mentioned costs should feature in your budget.

What Documents Will I need to Finalize My Mortgage?

  • Net assets and liabilities statement
  • Identity documents, such as a government-issued identification card, passport, and others
  • Your bank account statement
  • A construction plan (if you’re building)
  • Profit and loss statements
  • Information about your legal team
  • A purchase contract
  • MLS entry
  • Evidence that you paid the down payment

Important Terms to Know When Closing a Mortgage

Amortization – The amount of time it takes the borrower to pay off the mortgage completely.

Appraisal – A professional’s assessment of a property’s worth.

Deposit – Payment made by a borrower to secure a property.

Down Payment – The initial necessary amount paid for a property by the buyer or borrower out of their funds.

House Inspection Fee – The buyer is responsible for the cost of inspecting the structural soundness of the property.

Loan to Value Ratio – The size of the mortgage in relation to the property’s worth.

Prepayment Option – A mortgage option that allows borrowers to repay principal installments early. Some prepayment choices carry fines, while others do not.

Property Transfer Tax – A tax levied on the transfer of a property from one owner to another.

Mortgage Loan Insurance – Insurance purchased by buyers whose down payment is less than 20%.

The length of your mortgage contract – As the term of the mortgage expires, you must either renew it or find a new lender.


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.

Contact Us