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Who Stands To Change The Industry


Welcome To Turkin Mortgage In Pickering!

…a West GTA based brokerage with a decade of experience under its belt.

Let’s Talk!

As a first time buyer, planning to turn your dreams into a reality and buy your house can seem like an incredibly daunting prospect, and whilst Mortgage brokers are supposed to make the whole ordeal more easily, the sheer amount of brokers out their vying for your business can leave you feeling more pressured and confused than ever before.

Whether you’re in the midst of currently viewing properties, have found one that you already like and want to secure the best rates, want to refinance and existing property, considering a commercial mortgage or simply want to determine what amount you’re eligible to borrow right now, let our safe hands take the management of it all, save potential headaches down the line and get in touch. Don’t hesitate to contact us for the rates or questions for no obligation. Call us at 1-866-921-8890 or submit an application.

Our Pickering Based Mortgage Brokers Offer The Following Services

First-Time Buyers

Our expert brokers focus on assisting first-time buyers in purchasing their homes. We'll lead you through the process, clarifying options and assessing costs to find the most affordable solution.

Mortgage Refinancing

Access funds by refinancing your mortgage. We'll review your situation to ensure refinancing is suitable, allowing you to begin anew with improved terms and rates.

Mortgage Renewals

Seize the opportunity of a renewal contract to enhance your financial situation. Contact our mortgage brokers three months in advance to secure the best deals and lowest rates available.

Private Mortgage

When traditional lenders fall short, private mortgages step up. Prioritizing property value over credit scores, they cater to diverse borrowers and streamline processing.

Second Mortgage

Access up to 90% of your home's value with a second mortgage. Reduce risk by appraising properties and choosing reliable brokers who will protect your home given to lenders as collateral.

Self-Employed Mortgage

With 15% of Canadians self-employed, strict income verification creates hurdles for mortgage approval. Understanding these challenges, we provide tailored mortgage solutions suited to the needs of self-employed individuals.

Construction Financing

Building your dream home requires commitment and financial backing. Typically, down payments range from 25-35%, necessitating thorough planning. Our construction financing options cater to both contractors and homeowners, incorporating a 15% contingency fund to address potential risks


HELOC, or Home Equity Line of Credit, offers a flexible financial solution, granting access to up to 65% of your home's equity at low-interest rates. However, responsible fund management is paramount to prevent overspending and the risk of losing your home.

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Why Us

As a first time buyer, planning to turn your dreams into a reality and buy your house can seem like an incredibly daunting prospect, and whilst Mortgage brokers are supposed to make the whole ordeal more easily, the sheer amount of brokers out their vying for your business can leave you feeling more pressured and confused than ever before. Turkin Mortgage brokers in Pickering are here to clear up the muddy waters when it comes to mortgages and help you out in every step of the way in choosing what’s right- for your specific circumstance; whether you’re buying on your own, or with a partner or relative.

Whether you’re young or old and whether or not this is is your first foray into the market, our seasoned professionals can be your guiding light. As a local Toronto business we have an established network of contacts and business relationships our experts can lean on to get YOU the best rates and terms available. We strive to put our customers first and make sure each situation is handled on a case by case basis.

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!

  • What Is A Mortgage?

Mortgages are typically long-term loans. The loan is usually repaid in regular installments, which include both principal (the amount borrowed) and interest (the cost of borrowing the money). Mortgages can be obtained from a variety of lenders, including banks, credit unions, and mortgage brokers. In Canada, borrowers are also able to obtain mortgages through government programs, such as the Canada Mortgage and Housing Corporation (CMHC).

Owning a home is a significant financial commitment, and it’s important for borrowers to fully understand the terms of their mortgage and ensure that they can afford the payments. Defaulting on a mortgage can have serious consequences, including the loss of property and damage to the borrower’s credit rating.

Types Of Mortgages We Offer

Refinancing Mortgage

Worried you might be overpaying on your existing mortgage? We specialize in analyzing mortgages and identifying unfavourable terms. It is often the case when we can renegotiate something more palatable for your situation. In addition to directly reworking current mortgage terms, we can look into other areas that might be able to be improved, such as re-structuring debts and focusing on optimizing your cash flow. Our mortgage broker Toronto also offers clients who wish to explore moving a mortgage to another locality that option.

Residential Mortgage

Residential mortgages are Turkin Mortgage brokers‘ bread and butter. Our brokers Breathe them on a daily basis, so let us take advantage of our decade of experience in the Canadian property market and apply that knowledge to your situation to seek out the best “hidden” deal out there. By analyzing your current financial situation and requirements, we’re able to draw on our local contacts in Pickering and compile a custom offer unique to you.

Commercial Mortgage

As a business owner, established (or budding!) entrepreneur thinking of refinancing, building, renovating or outright purchasing commercial property in the Pickering or surrounding areas, Turkin Mortgage brokers have you covered. Our network of brokers can help you every step of the way- we cover the whole gamut of commercial loan types and are able to effectively negotiate small-scale and larger-scale deals. Whether you are seeking refinancing for an existing income-generating apartment or plan to build up a large-scale retail development, our team can analyze your situation in relation to the available deals and simultaneously massively minimize the difficulty you’ll face during this prospect whilst maximizing your chance at identifying the best rates thanks to us being able to leverage our existing network of business and lenders in the locality.

Hassle-Free Closing

Our company’s goal isn’t to pander to the Status Quo; our vision is the opposite- to revolutionize the experience customers have traditionally gotten in the mortgage industry. We’ve seen some of the experiences customers have had to deal with by choosing large lenders and established banks, and we strive to do it differently. Our expert Mortgage agents provide our customers in Pickering and surrounding areas a transparent and fast experience and enable them to take advantage of a more personal 1-2-1 communication process. You’re dealing with a company with local expertise and a select team of experts, not a department here, and we’ll treat you and your situation the same instead of treating you like a number. We try and cut through the confusing jargon and work hard to obtain and clearly present the most favourable deals to our clients.

  • What Mortgage Repayment Choices Do I Have?

You can choose between an open and a closed mortgage.

Open mortgage

An open mortgage is a type of mortgage that allows borrowers to pay off some or all of the mortgage at any time without penalty. This type of mortgage is more flexible but typically has a higher interest rate than a closed mortgage. Open mortgages may be a good choice for borrowers who expect to receive a lump sum of money in the near future and want the flexibility to pay off their mortgage without penalty.

Closed mortgage

A closed mortgage, on the other hand, is a type of mortgage that has a set term, typically ranging from six months to ten years. During the term, the borrower is committed to making regular mortgage payments and may face penalties if they pay off the mortgage early. Closed mortgages typically have a lower interest rate than open mortgages. It’s important for borrowers to carefully consider their financial situation and their plans for the future when choosing a mortgage repayment plan. Closed mortgages may be a better choice for borrowers who prefer a set payment schedule and are willing to pay the penalty if they need to pay off their mortgage early.

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

A pre-approved mortgage in Canada can have several benefits for homebuyers. Here are some of the key benefits:

  • A better understanding of your budget: With a pre-approved mortgage, you will have a clear understanding of how much money you can borrow from a lender based on your financial situation. This can help you narrow down your home search to properties that are within your budget.
  • Competitive interest rates: By getting a pre-approved mortgage, you can lock in an interest rate for a set time. This can help you secure a lower interest rate than you would get if you waited until after you made an offer on a home.
  • Faster closing process: Since you have already been pre-approved for a mortgage, the closing process can be faster and smoother. This is because much of the paperwork and verification have already been completed.
  • More negotiating power: Having a pre-approved mortgage can give you more negotiating power when making an offer on a home. Sellers may be more likely to accept your offer if they know you have already secured financing.
  • Which Is The Better Option: Fixed Or Variable Interest Rates?

Whether fixed or variable rates are better in Canada depends on your individual financial situation and preferences.

Fixed interest

Fixed rates offer stability and predictability in your mortgage payments, as the interest rate remains the same for the entire term of the mortgage. This can be beneficial if you have a tight budget or if you expect interest rates to rise in the future.

Variable interest

Variable rates, on the other hand, can potentially save you money if interest rates decrease over the term of your mortgage. However, they also come with the risk of your mortgage payments increasing if interest rates rise. If you are comfortable with taking on a bit more risk in exchange for potential savings, then a variable rate may be a good option for you.

Ultimately, it’s important to carefully consider your financial situation and goals before choosing between fixed and variable rates. It may also be helpful to consult with a financial advisor or mortgage broker to weigh the pros and cons of each option.

  • How Much Do I Need For The Down Payment?

The lowest down payment required for a mortgage in Canada depends on the purchase price of the home. If the home is less than $500,000, the lowest down payment is 5% of the purchase price. If the home is between $500,000 and $999,999, the lowest down payment is 5% of the first $500,000 and 10% of the outstanding amount. For homes selling at $1 million or more, the least down payment is 20% of the purchase price.

It’s important to note that if you make a down payment of less than 20% of the purchase price, you’ll need to purchase mortgage insurance through the Canada Mortgage and Housing Corporation (CMHC) or a private insurer. The cost of this insurance will vary depending on the size of your down payment and the purchase price of the home.

  • What Are Closing Costs?

Closing costs are fees and expenses that are associated with the purchase of a property, and they are in addition to the down payment on the mortgage. Closing costs can vary depending on the location of the property, the type of mortgage, and other factors. In Canada, some of the common closing costs associated with a mortgage may include the following:

  • Land transfer tax: This tax is payable when you buy property in Canada.
  • Legal fees: You’ll need to hire a lawyer or notary to handle the legal work associated with the purchase of the property.
  • Title insurance: This insurance protects the lender and the borrower against losses related to the title of the property.
  • Home inspection: You may want to hire a professional home inspector to assess the condition of the property before you make an offer.
  • What Documents Will I Need To Finalize My Mortgage?

The exact requirements can vary depending on the lender and the specifics of your situation, but generally, you’ll need to provide the following:

  • Proof of income
  • Assets list
  • Liabilities list
  • Bank account details
  • Purchase agreement
  • Building plans if you’re constructing
  • Evidence of income
  • Lawyer details
  • MLS listing
  • Proof of downpayment
  • Important Terms To Know When Closing A Mortgage

When closing a mortgage in Canada, there are several important terms to be aware of. Here are a few key ones:

Amortization: This refers to the length of time it will take to pay off your mortgage in full. In Canada, most mortgages have an amortization period of 25 years.

Closing Costs: These are the fees and expenses associated with closing a mortgage, such as legal fees, appraisal fees, and land transfer taxes.

Down Payment: This is the amount of money you will pay upfront when purchasing a home, and it is typically expressed as a percentage of the purchase price.

Fixed-Rate Mortgage: This is a type of mortgage where the interest rate is locked in for a set period of time, typically ranging from 1 to 10 years.

Mortgage Term: This is the length of time for which your mortgage agreement is valid. It is usually shorter than the amortization period, and at the end of the term, you will need to renegotiate your mortgage.

Prepayment Penalty: If you pay off your mortgage before the end of the term, you may be charged a penalty. The amount of the penalty can vary depending on the lender and the terms of your mortgage.

Principal: This is the amount of money you borrow to purchase a home, not including interest and other fees.

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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