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From the Durham waterfront to the GO station. Straightforward mortgage advice for Ajax buyers and owners.
I’m Tony Brar, Mortgage Agent Level 2 with 16+ years in the mortgage business, based in Bolton. I work with Ajax buyers and owners every week, from first-time buyers to growing families moving up.
Ajax pulls in young families who want space without Toronto prices. The waterfront draws morning walkers, the GO train gets commuters downtown in about an hour, and neighbourhoods from south Ajax to the north end are full of semis, townhomes, and detached homes that still cost less than the city.
Each one needs a different mortgage playbook. First-time buyer programs, GO commuter budgets, upsizing from a townhome, I handle all of it. I shop 50+ lenders to find the structure that fits. Purchases, renewals, refinances, and the files banks say no to.
Buying your first home in Ajax? I will get you pre-approved with real numbers, walk you through closing costs in plain English, and show you exactly what your budget buys in today’s Ajax market.
Working downtown but buying in Durham? I will factor your commute and true monthly costs into the plan, so your mortgage fits your life, not just your pay stub.
Outgrown your townhome? I will run the full upsizing math: your sale proceeds, the new purchase, and whether bridge financing makes sense. You will move up without the guesswork.
Mortgage coming up for renewal? I will shop 50+ lenders to make sure your bank’s offer is actually competitive, and handle the switch paperwork for you.
★★★★★
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial · Tony Brar, Mortgage Agent Level 2 · 16+ years in the mortgage business
It depends on the price. For homes under $500,000 the minimum is 5%. Between $500,000 and $1.5 million it scales up, and above $1.5 million you need 20%. I will run your exact numbers in a pre-approval so you know your budget before you start looking.
Lenders look at your income and debts, not your commute. But your true monthly budget should include GO fares and parking. I build that into your plan so the mortgage you choose still leaves room to live.
In most cases, yes. Ajax homes typically cost far less than comparable Toronto properties, which means a smaller mortgage and lower monthly payments. I will show you side-by-side numbers so you can see the difference.
Not before you compare. Renewal offers are rarely a lender’s best rate. I shop 50+ lenders and negotiate on your behalf, and switching lenders at renewal usually costs you nothing in penalties.
Prefer to talk it through? Send your details below and I will personally call you back within one business day.
The right mortgage isn’t about chasing rates. It’s about finding the solution that gives you peace of mind. That’s what I deliver.
© 2026 Tony Brar Mortgages. All rights reserved. Dominion Lending Centres Yournesta Financial · FSRA# 13371
Tony Brar – Mortgage Agent Level 2
License #13371
DLC Yournesta Financial
Helping homeowners, buyers, and business owners secure mortgage solutions across the GTA and surrounding areas in Ontario through banks, alternative lenders, and private lending options.
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You could be overpaying by thousands and never know it. I’ll find out for free.
Tell me where you stand. I’ll personally run the numbers and show you exactly what your mortgage is really costing you — and what to do about it.
No spam, no obligation. Just answers.
Helping homeowners, buyers, and business owners secure mortgage solutions across the GTA and surrounding areas in Ontario through banks, alternative lenders, and private lending options.