Mortgage broker in Markham
As an independent mortgage broker, I help Markham buyers and homeowners find the right financing for their situation. I compare many lenders, from major banks to credit unions and monoline lenders, and I explain the options clearly so you can decide with confidence.
Markham is a diverse, fast-growing city with historic villages, large suburban communities and a thriving business centre. I work with first-time buyers, growing families, newcomers, professionals and investors across the city.
The Markham housing market and your mortgage
Markham is known for planned communities and well-kept neighbourhoods, with a large share of detached homes, townhouses and semis. In Unionville and Markham Village, older streets and heritage homes sit alongside newer builds. Cornell and Berczy Village are more modern, with contemporary layouts and a compact feel. Condo living is concentrated around Markham Centre, Unionville and the Highway 7 corridor.
Markham has a strong technology and professional services sector, and many residents work in offices along Highway 404 and Highway 7 or commute to downtown Toronto on the GO Stouffville line or by highway. Lenders look closely at how your income is structured: salary, bonus, stock compensation, contract work and business income can each be treated differently. Matching your income to the right lender is a big part of what I do.
Markham is also home to many newcomers and multigenerational households. Some families pool resources to buy together, which can involve co-borrowers, gifted funds or foreign down payments. Lenders have specific documentation requirements for each of these, and planning ahead helps your application move smoothly. Approval is always subject to the lender's review.
Neighbourhoods and property types I finance in Markham
- Unionville: heritage streets, detached homes, townhouses and condos near Main Street and the GO station.
- Markham Village: older homes and character properties near the Markham GO station.
- Cornell: newer townhouses and detached homes near the Markham Stouffville Hospital.
- Berczy Village and Wismer: family-oriented detached homes and townhouses.
- Milliken and Agincourt border: a mix of townhouses, semis and condos.
- Angus Glen and Cachet: larger detached and executive homes, many near golf courses.
- Markham Centre: high-rise and mid-rise condos along Highway 7.
- Box Grove and Victoria Square: newer developments and homes on larger lots.
Mortgage help for Markham homeowners and buyers
- First-time home buyer mortgages for condos and townhouses
- Newcomer mortgages for recent arrivals and international buyers
- Mortgage pre-approval to define your budget
- Self-employed mortgages for professionals and owners
- Mortgage renewal and refinance at term end
- Home equity line of credit for flexible borrowing
- Rental property mortgages for investors
- Second mortgages to access equity
Costs to plan for when you buy or borrow in Markham
Markham buyers pay the provincial Ontario land transfer tax at closing. The City of Markham does not impose a separate municipal land transfer tax; that applies only in Toronto. Rebates may apply for eligible first-time buyers, and your lawyer will confirm the amount for your purchase.
You should also plan for legal fees, an appraisal when the lender requires one, title insurance, a home inspection and adjustments for property tax and utilities. Condo buyers should include monthly fees and ask about the reserve fund. If you are buying with funds from outside Canada, allow time and budget for currency exchange, document translation and bank verification, since lenders need to trace the source of your down payment.
If your file requires a private or non-bank lender, lender fees and a broker fee may apply. I will give you the numbers in writing so you can compare them with a conventional mortgage.
How it works with me
- Step 1: A free, no-obligation conversation about your goals and finances.
- Step 2: I collect your documents and compare lenders that fit your profile.
- Step 3: I submit your application and walk you through the offers, subject to approval.
- Step 4: I stay available through closing and ahead of your renewal.
Nearby areas I also serve
I also help clients in Richmond Hill, Vaughan, Scarborough, North York and Pickering. See the lenders we work with as well.
Talk to a Markham mortgage broker
If you are buying, renewing or refinancing in Markham, I would be glad to help. Contact me for a free, no-obligation conversation about your options.