Highly Rated

Mortgage Broker in Kingston

Our experienced mortgage broker in Kingston is here to understand and meet your specific needs. Explore your options today.

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Leading Mortgage Broker in Kingston - Our Range of Products

At Mortgage Squad, we pride ourselves on being the leading mortgage brokers in Kingston. Our team of experts have years of experience in the industry and are dedicated to providing our clients with personalized and tailored solutions for their specific needs.

We offer a wide range of mortgage products to suit every individual’s unique financial situation. From first-time home buyers to seasoned investors, we have options that cater to everyone. Some of our top-rated products include first and second mortgage, refinancing, debt consolidation, home equity line of credit, renewal, private and self employed mortgage, and more.

With access to multiple lenders and competitive rates, we are confident in finding the best mortgage solution for each of our clients. Our services are available for the residents of Peterborough, Hamilton, Kitchener, North Bay, Brantford and surrounding areas.

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Take Advantage of Our Mortgage Calculator and Pre-Qualification Services

To further assist our clients in their mortgage journey, we offer a user-friendly mortgage calculator to help you estimate your monthly payments, determine affordability, and analyze various mortgage scenarios. Additionally, our pre-qualification service is designed to simplify the home buying process by helping you understand your borrowing capacity and budget range. By utilizing these tools, you can enter the real estate market with confidence, knowing exactly what to expect financially. Our team is here to support you every step of the way, ensuring a seamless and informed mortgage experience.

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What Makes Us the Top Mortgage Broker in Kingston?

Our team of experienced mortgage professionals has a deep understanding of the local market and can provide valuable insights and advice to our clients. We are committed to offering exceptional customer service, building strong relationships with our clients, and going above and beyond to meet their needs.

We Work for You, Not the Lender

As an independent mortgage broker in Kingston, we work for you, not the lender. This means that our priority is finding the best mortgage option for you, not promoting a specific lender’s products. We have access to a vast network of lenders and can negotiate competitive rates and terms on your behalf. Our goal is to save you time, money, and stress by handling all the details of your mortgage application and ensuring that you receive the best deal possible.

Find out the differences between mortgage brokers and banks.

Expertise in Various Mortgage Types

Whether you are a first-time homebuyer or looking to refinance your current mortgage, our team has expertise in various types of mortgages. We can help you navigate through the different options and find the one that best suits your needs. We also specialize in alternative financing solutions for clients with unique financial situations. Whatever your home loan needs may be, we have the knowledge and resources to guide you towards a successful outcome.

Wide Network of Lenders and Resources

We have built strong relationships with a wide network of lenders, both traditional and alternative, including b lenders in Ontario, to ensure that our clients have access to the most competitive rates and terms. We also have connections with other professionals in the real estate industry, such as lawyers, appraisers, and home inspectors, which allows us to provide a comprehensive service to our clients. Our extensive resources give us an edge in finding the best mortgage solutions for our clients.

Personalized Approach

At our brokerage firm, we understand that every client’s financial situation is unique. That’s why we take a personalized approach to each client and their mortgage needs. We take the time to understand your goals, budget, and preferences before presenting you with the best options available. Our team of mortgage brokers in Kingston is committed to providing transparent and unbiased advice, ensuring that you make informed decisions throughout the mortgage process.

Streamlined Process

Applying for a mortgage can be a lengthy and complicated process. However, with our expertise and streamlined approach, we aim to make it as smooth and stress-free as possible for our clients. From initial consultation to final closing, we handle all the necessary paperwork and negotiations with lenders on your behalf. We also keep you updated every step of the way, so you are aware of any progress or changes in your application.

Pre-Approval Services

In addition to providing mortgage solutions for homebuyers, we also offer pre-approval services. This allows our clients to determine their budget and shop for homes with confidence. Our pre-approval process involves a thorough assessment of your financial situation, credit score, and debt-to-income ratio that can give you an advantage in the competitive housing market.

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Our Agents

Mortgage Broker in Kingston - Zubair Afzal

LIC# M09001553 647-896-7674 [email protected] • Director

Zubair Afzal is the Principal Mortgage Broker in Kingston & Director at Mortgage Squad. With over 19 years of experience in the real estate industry. His expertise spans across various domains, including residential and commercial mortgage lending, and real estate. With a strong background in real estate and a deep understanding of Kingston, Zubair is dedicated to providing high-quality service and personalized solutions to his clients. He is recognized for his commitment to excellence, having received honors such as the Entrepreneur of the Year 2012 and the Centurion Award.

Get in Touch Today

Don’t let the daunting process of getting a homeowner’s loan hold you back from achieving your dream of homeownership. Our team is here to guide you and provide you with personalized solutions that fit your needs and goals. Contact us today to schedule a consultation and take the first step towards securing your future home. We look forward to working with you!

FAQs

Why do people use mortgage brokers in Kingston instead of banks?

There are a few reasons why people choose to work with mortgage brokers rather than going directly to a bank for their mortgage needs. Firstly, brokers have access to a wide range of lenders and can offer more options and competitive rates compared to individual banks. Additionally, mortgage brokers often have specialized knowledge and expertise in the home financing industry, which can be beneficial for first-time homebuyers or those with unique financial situations. Finally, working with a mortgage broker can save you time and effort as they handle the entire application process on your behalf.

Do I need perfect credit to get a mortgage?

No, having perfect credit is not necessary to qualify for a home loan. However, your credit score will play a significant role in determining the interest rate and loan options available to you. It’s essential to have a good credit score before applying for a mortgage, but if your score is lower, there are still options available through certain lenders or government programs. Our team can help you understand and improve your credit score to increase your chances of qualifying for a mortgage.

How much do I need for a down payment?

The amount needed for a down payment varies depending on the type of mortgage and the lender’s requirements. In general, it is recommended to have at least 20% of the home’s purchase price saved as a down payment.

Can a mortgage broker help me get better rates?

Yes, a mortgage broker can often secure better rates for clients compared to what an individual bank may offer. This is because they have access to a larger pool of lenders and can negotiate on your behalf to find the best deal. Additionally, mortgage brokers have a strong understanding of the current market and can help you navigate any changes or fluctuations in interest rates.

I am self employed, can I still get a mortgage?

Yes, self-employed individuals can still qualify for a mortgage. However, the process may be slightly different and require more documentation to prove income stability. A mortgage broker who specializes in working with self-employed individuals can help you navigate this process and find lenders that are more flexible with their requirements.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you will typically need to provide proof of income, bank statements, credit score and history, and personal identification. These documents help lenders assess your financial situation and determine the best loan options for you. It is essential to have all necessary documentation organized and prepared before starting the application process.