Initial Consultation
During our first consultation, we’ll explore your current financial situation. We really take the time to understand your dreams and financial situation, providing Brampton clients with customized advice tailored to your needs.
Mortgage Broker in Brampton
Experience Effortless Home Financing Borrowing Solutions and Mortgages in Brampton – Turkin Mortgage Has You Covered!
- Quick, Simple and Secure!
- No Credit Check Needed
- No Obligation and No Cost to You
- 100% Confidentiality
Based on 150 Verified Google Reviews
Discover the Best Mortgage Rates Tailored Just for You
3.99%
Fixed Rate
4.95%
Variable Rate
5.75%
Private Mortgages
5.95%
HELOC
30 Yrs.
Ammortization
Save Thousands on Your Mortgage
We know how busy life can be and how irritating a 9 to 5 bank can be. Gone are the days when you need to give up a half a day’s wages just to sit down with a bank. We provide the ultimate convenience and flexibility, giving you the freedom to take care of your mortgage needs when it works for you.
Picture never having to worry about “banker’s hours”—an idea no one actually likes. Of course banks are raking in record profits, usually off the backs of hardworking Canadians like you and me.
At Turkin Mortgage, we want to make the process as simple as possible. If you prefer to apply for a mortgage in your pajamas while sipping on a morning coffee – we’ll help you do that! Our bank and lending partner solutions are over 40 strong.
Access Competitive Rates from Top Lenders
At Turkin Mortgage, we have partnerships with over 35 lenders, ensuring you get the best rates and a hassle-free experience. No more DIY searches or relying on the 'big' banks—trust our proven track record for a seamless process.
How a Mortgage Broker Can Save You Money
When it comes to getting the lowest possible interest rates, the value of a mortgage broker becomes abundantly clear. By using our deep relationships with capital providers we can access mortgage rates at wholesale – not retail like most brokers – only available to mega banks.
This indicates that the rates we lock in for our clients are often not available to the general public. Being members of Mortgage Professionals Canada, we abide by a code of ethics.
We are committed to providing the best rates available — rates that make a difference for our clients. Over the course of your mortgage, that’s thousands of dollars in interest you won’t be paying with these competitive rates.
That can add up to tens of thousands of dollars in savings! We take a very professional approach to marketing your application to lenders. This way, it doesn’t become attractive and fulfilling, resulting in more lucrative terms.
Why Choose Turkin Mortgage Over Banks?
Banks
- Customers are treated like transactions
- One set of products & policies
- Lender needs come before yours
- Long application processing wait times
- Call centres and a revolving door of staff
VS
Turkin Mortgage
- Customers are treated like people
- Considered options from over 35 lenders
- Your needs and goals always come first
- Experienced mortgage experts located in Toronto
- Stable dedicated team to champion your finance approval
SIMPLIFYING
THE DREAM
SIMPLIFYING
YOUR MORTGAGE
Plan Your Home Purchase or Renovation with Our Mortgage Calculator.
Discover the Best Mortgage Rates
for Your Needs
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Services Offered
We pair buyers with mortgage lenders that exceed your expectations.
First-Time Homebuyer Mortgages
For newcomers to homeownership, we provide first-time homebuyer mortgages tailored to your needs. All of these options are intended to help ease your transition into homeownership. Experience competitive interest rates and professional support every step of the way!
Mortgage Renewals and Refinancing
Whether renewing or refinancing mortgages for clients, we always do our best to maximize benefits for clients. Combined with our knowledge of Brampton’s mortgage industry, we’re able to bring great rates and discounts to the table.
Financing for Small Businesses
Dedicated to helping local businesses thrive, our commercial mortgage services offer financing options that meet the unique needs of small businesses. We have an ongoing, proactive relationship with business owners to provide innovative technical assistance solutions to ensure growth and long-term stability.
Investment Property Mortgages
For those looking for investment properties, our investment property mortgages are designed to help you accomplish your investment ambitions. Our experienced specialists guide clients through the intricacies of investment mortgages, offering clarity on market opportunities and financing strategies.
Bad Credit Mortgages
We understand that credit scores can be an obstacle. Our caring team is understanding and offers specialized bad credit solutions! Our mission-driven approach guarantees access to a range of mortgage products that meet different financial needs no matter what’s on your credit report.
Self-Employed Mortgages
For the self-employed, getting a mortgage is particularly tough. We know the complexities involved in verifying self-employment income and we provide products specifically designed to serve this growing market.
Mortgage Process Overview
Here's a step-by-step overview of how we might smooth the process for you:
Pre-approval
The advantages of pre-approval are real. It helps define your budget, so you can focus your property search efficiently.
It shows sellers that you are a committed and capable buyer, and that can help give you leverage in negotiations.
Steps to Secure Pre-Approval
We help estimate savings, taking into account interest rates and loan term. This type of detailed analysis is what allows our Brampton clients to make great decisions.
Our staff makes sure every piece of documentation is up to the lender’s standards, paving the way to pre-approval.
Submitting Your Application
A strong application is the most important ingredient. We submit your completed loan applications quickly and confidently, with every requirement covered, raising the likelihood of approval.
Working with Lenders
Our veteran team works directly with lenders on your behalf, winning competitive rates and terms.
We’re keenly aware of the unique needs of our clients with first-time homebuyers, particularly for those with sudden and unforeseen hurdles.
Reviewing the Final Offer
Taking the time to review the final offer is essential. We demystify jargon and surprise fees so you can make smart decisions.
Ensuring a Smooth Closing
Finally, we deliver a smooth closing by taking care of all the final details, delivering your closing with confidence.
We advise clients on making additional monthly payments, such as 52 payments per year, to save interest and pay their loans off sooner.
Fast-Track Your Mortgage Approval
Apply online in minutes and get your mortgage approved fast. Our simple process will help you find the best mortgage solution for your needs and budget.
Apply in less than a minute
Our process is simple: Just apply online using our intuitive contact form. We’ll follow up with you quickly and schedule a consultation in the near future.
Access quick and easy funding
Congratulations! With us, you can close your mortgage in just a short time. Connect with us today to get started.
View your offers immediately
Get your offers extremely fast – complete with rates from the best lenders. Your mortgage team will guide you from start to finish.
What Toronto Homebuyers Say About Turkin Mortgage
Real experiences from Toronto residents who chose Turkin Mortgage for their home financing needs. Discover the quality and reliability of our services through their testimonials.
Common Challenges in Mortgage Applications
Overcoming Bad Credit Issues
One challenge we frequently encounter with mortgage applicants is the barrier of bad credit. Many conventional lenders require a credit score of 650 or more. Don’t get discouraged if you get a lower score.
By prioritizing a low Debt-to-Income (DTI) ratio, we communicate to lenders our capacity to make monthly payments. Our Total Debt Service (TDS) ratio is at 40%. That’s 40% of our income before taxes going to all housing and debts.
Sometimes it’s about having some patience as well. Waiting 3-6 months before reapplying allows us to do what we need to do to raise credit scores. Looking into other lenders or government-backed programs can help you find the door.
Handling Insufficient Down Payments
Another frequent hurdle faced is being able to come up with a down payment. If we are unable to satisfy even these minimum parameters, your applications may be denied. This can feel overwhelming, yet there are ways to move ahead.
Alternative lenders can be more flexible with down payment requirements. It’s extremely important to be accurate and complete with our financial details. Lenders use this to determine how much they can trust us.
We need to take a hard look at government programs intended to help in these cases.
The Mortgage Brokers Blog
Discover the ins and outs of the Toronto mortgage scene with our expert guidance. From securing the best mortgage deals in Toronto to understanding local real estate dynamics, we've got you covered.
