Featured Rates

FIXED RATE

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3.99%

5 YEAR

VARIABLE RATE

This illustration features an hourglass with a yellow top and bottom. Inside the top half, a dollar sign is prominently displayed, representing how time equates to money—a concept every mortgage broker at Turkin Mortgage understands well, as sand trickles seamlessly down.

4.95%

5 YEAR

Mortgage Broker in Brampton

Experience Effortless Home Financing Borrowing Solutions and Mortgages in Brampton – Turkin Mortgage Has You Covered!

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Discover the Best Mortgage Rates Tailored Just for You

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3.99%

Fixed Rate

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4.95%

Variable Rate

Illustration of a yellow house with a dark roof and a circular dollar sign symbol in the front, representing real estate or property investment, with Turkin Mortgage as your trusted mortgage broker guiding you through every purchase.

5.75%

Private Mortgages

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5.95%

HELOC

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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.

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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.

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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.

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Why Choose Turkin Mortgage Over Banks?

Banks

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Turkin Mortgage

SIMPLIFYING

THE DREAM

SIMPLIFYING

YOUR MORTGAGE

Plan Your Home Purchase or Renovation with Our Mortgage Calculator.

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for Your Needs

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Services Offered

We pair buyers with mortgage lenders that exceed your expectations.

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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 Residential Home Refinance Refinancing Toronto Ontario Canada

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.

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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.

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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.

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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.

Competitive rates for Self Employed Mortgages Solution in Toronto Ontario Canada

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:

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.

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.

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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.

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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.

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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.

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Mariam Rojas
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So profesional and honest. They made a process that seemed stressful for me very easy. I would not go anywhere else!
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Saraa alknakri
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We highly recommend Basma! This is the second time we’ve worked with her, and once again she provided outstanding service. She was patient, professional, honest, and always willing to answer our questions. She clearly explained every step of the process and made everything easy to understand. Whenever we contacted her, she responded quickly and was always ready to help. Her dedication and expertise made the entire experience smooth and stress-free. Thank you, Basma, for your excellent support and guidance. We truly appreciate all your hard work!
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Jonathan Raymond
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Great experience, always there each step of the way.
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Oliver profile picture
Oliver
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Turkin mortgage helped with refinance and it felt much less confusing than expected. The steps was clear, and the paperwork part got explained in simple way, so nothing felt missing. Updates came fast on phone and email, not too many back and forth. Questions about term options got answered patient, with examples that make sense for normal life. Final closing went smooth and everything match what was said before no suprises. Would use again when next refinance time comes.
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Rachel MacDonald profile picture
Rachel MacDonald
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I highly recommend working with Leon Turkin! He was referred to me by my realtor and I am so glad we worked with him and his team! He made us feel confident going into the housing market and was always quick to answer questions and break down the numbers when we needed him. We were thankful to have his knowledge and support through the whole process right down to closing day! His assistant Vita was also wonderful and on top of everything throughout our home buying journey. Thank you so much for making what could have been a very stressful endeavor feel smooth and painless.
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Kayla Hadden
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I honestly can’t recommend Leon highly enough – if I could give him more than 5 stars I would, easily a 10/10. We were coming to the end of a fixed-rate period and our situation wasn’t straightforward (self-employed income, a slightly complicated credit history from years ago, and we really wanted to access the equity in our home while keeping the monthly payments affordable). From the very first call, Leon was an absolute breath of fresh air. His communication is second to none. No question was too small, no update too minor – he kept us in the loop every single step of the way with clear, jargon-free explanations. Emails were answered quickly (often within minutes), phone calls were always welcome, and he never made us feel like we were “just another file” on his desk. What really stood out was his diligence and determination. This wasn’t a quick two-week remortgage – Leon worked on our case for over six months, constantly exploring new options as rates changed, chasing lenders when they were dragging their feet, and going above and beyond to find the perfect product that ticked all our boxes. There were a few moments when we thought it might not happen, but Leon refused to give up and kept pushing until we got the outcome we wanted. We’ll be using him again without hesitation and have already recommended him to friends and family. Thank you, Leon – you’ve made what could have been a stressful process completely painless!
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Arthur IAKOUBOV profile picture
Arthur IAKOUBOV
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I had an amazing experience with Turkin Mortgage! They got me a great rate, and the whole process was fast, easy, and stress-free. I truly felt like I was in good hands from start to finish. Highly recommend to anyone looking for a smooth mortgage experience!
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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.

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