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Who Stands To Change The Industry


Welcome To Turkin Mortgage!

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

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.

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

Our Team Of Oshawa Mortgage Brokers Offers The Next Services

First-Time Buyers

Our experienced brokers specialize in helping first-time buyers own their homes. We'll guide you through the process, explaining options and calculating costs to find the most affordable solution.

Mortgage Refinancing

Use your home equity to get the money you need. We will look into your case to ensure you have all the right reasons to get a mortgage refining and can start afresh with new terms and rates.

Mortgage Renewals

Readjust your debt situations by taking advantage of the opportunity a renewal contract brings. Reach out to mortgage brokers three months in advance before renewal to ensure you get a lender, offering the best deals and lowest rates.

Private Mortgage

When traditional lenders fail, private mortgages come in. Prioritizing value over credit scores, they cater to diverse borrowers and take considerably less time to process.

Second Mortgage

Get a loan worth 90% of the home value on a second mortgage. Do the appraisal of the property and minimize the risks associated with giving the lender you home as collateral by opting for the right brokers.

Self-Employed Mortgage

15% of Canadians who are self-employed face the hurdle of not being able to get a mortgage due to strict income verification processes. Recognizing the challenges, we offer tailored mortgage solutions that fit self-employed individuals.

Construction Financing

Building your dream home demands commitment and financing. Down payments usually fall between 25-35%, requiring careful planning. Our construction financing options serve both contractors and homeowners, including a 15% contingency fund to address potential risks.


In Canada, HELOC stands as a flexible financial option, offering access to up to 65% of home equity and providing unmatched versatility with low interest rates. However, responsible use of funds is crucial to avoid overspending and losing your house.

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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’s why we are the best mortgage broker in Oshawa.

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.

Best Stress-Free Mortgage!
We Will Answer Your Phone Calls!
Have Your Financial Interests In Mind!
Get You Rates Others Will Not!
Call us: +1 866 921 8890

Questions? We’re here to help!

Turkin Mortgage 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.

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.

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 Turkin Mortgage 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.

  • What Mortgage Repayment Choices Do I Have?

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

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 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.

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.

  • 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.

Fixed interest

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

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.

You have questions. We are here to help!



Turkin Mortgage
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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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