Highly Rated

Mortgage Broker in St Catharines

Our experienced mortgage brokers in St Catharines are here to understand and meet your specific needs. Explore your options today.

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Reasons to Choose Us As Your Mortgage Broker in St Catharines?

At Mortgage Squad, we take pride in our exceptional track record of helping families from diverse backgrounds achieve their homeownership dreams. Our expert team specializes in negotiating favorable terms, offering pre-qualification services, and securing competitive rates that often surpass those from traditional banks. We also provide invaluable support for first-time homebuyers throughout their journey.

With over 5,000 successful approvals to our name, our commitment to client satisfaction and industry expertise truly sets us apart. We recognize that the process of applying for a homeowner’s loan can feel overwhelming, which is why we’re dedicated to offering personalized assistance at every stage.

Whether you’re interested in refinancing, buying your first home, or exploring options like mortgages for bad credit, self-employed individuals, or vacation properties, we have the knowledge and resources to guide you toward informed choices.

Want to know what your loan payments could look like? Try our easy-to-use mortgage calculator for a quick estimate and take the first step toward your financial future. Our services are available for the residents of North Bay, London, Thunder Bay, Vaughan, Etobicoke and nearby cities.

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Receive Unbiased Advice From Experts

We offer expert, impartial advice tailored to homebuyers’ unique needs. Whether you’re a first-time buyer, seeking to renew your home loan, refinance existing loans, invest in properties, or consolidate debts, our dedicated team is here to support you at every turn.

With so many mortgage types, rates, and down payment options available, the process can feel daunting. That’s why partnering with a professional mortgage broker in St. Catharines isn’t just helpful — it’s crucial. We simplify the process and ensure you’re well-informed every step of the way.

Our knowledgeable brokers will collaborate with you to evaluate your financial situation, providing clarity on your affordability and assets. This personalized approach empowers you to make confident decisions as you chase your homeownership goals. We are committed to equipping our clients with the insights and resources needed to thrive in the competitive real estate market.

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Comprehensive Mortgage Solutions

As a leading mortgage broker in St Catharines, we take pride in offering a diverse range of solutions to fit various needs. Our expertise includes specialized short-term options for complex situations that may not align with traditional bank criteria. Whether you’re a first-time homebuyer or seeking to invest in a vacation property, our extensive market knowledge allows us to navigate the process with ease and confidence.

We’re dedicated to helping you achieve your home financing objectives, no matter your financial background. If you’re eyeing an income-generating rental or require support in securing a private mortgage, we’ve got your back. Our committed team collaborates closely with clients, providing tailored advice and support at every step to ensure you find the ideal solution for your specific needs.

Our Mortgage Broker Services

First-Time Home Buyers

Are you stepping into the world of homeownership for the first time? You’re in the right spot! We specialize in making the process smooth and enjoyable for new buyers. Our passionate team is dedicated to helping you grasp your budget and provides customized insights tailored to your unique needs. From down payment details to various programs and potential rebates, we ensure that buying your first home is a thrilling adventure rather than a stressful ordeal.

Mortgage Renewal and Refinancing

When it’s time to renew or refinance your home loan, getting the best rate and selecting the right lender is crucial. Life can be unpredictable, but we’re here to make the process easier for you. As a top mortgage broker in St. Catharines, we eliminate the uncertainty, allowing you to concentrate on what really matters. With our expert advice, you could save a substantial amount while ensuring your home loan aligns with your current lifestyle and financial aspirations.

Second Home Mortgage

Thinking about buying a second home for vacations or rental income? Our knowledgeable agents are here to guide you every step of the way. We get that securing a second home mortgage comes with its own set of unique challenges, including tax implications and financing options. Let us help you seize this exciting opportunity to invest in a property that enriches your lifestyle or boosts your investment portfolio.

Bad Credit Mortgage

Don’t let bad credit stand in the way of your dream of owning a home. Our dedicated team has a wealth of experience in helping clients with imperfect credit secure home loans. We recognize that everyone’s financial story is different, and we work tirelessly to craft the best solutions and rates for your circumstances. No matter your credit score, we are committed to making your homeownership dreams a reality. Let’s take the next step together towards owning your home!

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From Mortgage Broker in St. Catharines Today

First mortgages, 2nd mortgages, Home Equity Lines of Credit, Purchases & Rescue Financing — We Will Help!

Same day pre-approvals and quick closings!

What Can You Expect from Your Broker?

Tailored Support

At Mortgage Squad, we focus on providing personalized support. We take the time to get to know your unique financial situation and aspirations, ensuring you receive a solution designed just for you.

Great Rates

Thanks to our extensive network of lenders, we can offer rates that often beat those of traditional banks. As your trusted mortgage brokers in St. Catharines, our goal is to help you secure the best terms, helping you save money in the long run.

Smooth Experience

Our efficient process ensures a swift and hassle-free approval. From your first consultation to the final approval, we handle all the details so you can focus on what matters most – finding your perfect home.

Our Agents

Mortgage Broker in St.Catharines - Zubair Afzal

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

Zubair Afzal is the Principal Mortgage Broker in St. Catharines & 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 St. Catharines, 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

Eager to move forward? Reach out to Mortgage Squad today to book a consultation with our skilled mortgage brokers in St. Catharines. We’re here to guide you through the process and help you find the best deal for your financial future.

FAQs

Why should I contact a broker when buying a house in St. Catharines?

Working with a mortgage broker in St. Catharines can offer many benefits, including access to a wider range of lenders and potential for lower interest rates. Your broker will also provide personalized support and guidance throughout the process, making it easier and more efficient for you to secure your dream home.

What if I have bad credit or a low income?

We specialize in helping clients with varying financial situations. Our team is dedicated to finding solutions for those with imperfect credit or low incomes, so don’t hesitate to reach out for assistance.

How long does it take to get approved for a mortgage?

The timeline for approval varies depending on the individual’s financial circumstances and the complexity of their application. However, with our efficient process and experienced brokers, we strive to secure approvals as quickly as possible.

Do I need a down payment to get a mortgage?

The majority of lenders require a down payment, typically ranging from 5-20% of the property’s purchase price. However, there are some options available for those who do not have a large down payment saved. Contact Mortgage Squad to discuss your options and find the best solution for you.

What factors do lenders consider when approving a mortgage?

Lenders will consider several factors when determining your eligibility for a home loan, including your credit score, income and employment history, debt-to-income ratio, and the property itself. We can help you understand these factors and work towards securing the best possible approval for your unique situation.

What if I want to switch my mortgage or refinance?

If you already have a home loan, but are looking to switch lenders or refinance for better rates, Mortgage Squad can assist with that as well. Our brokers have access to a wide range of lenders and can help you find the best option for your needs.