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Markham moves fast. Get straight answers and sharp rates from a mortgage broker who keeps up.
I’m Tony Brar, Mortgage Agent Level 2 with 16+ years in the mortgage business. I’m based in Bolton, Ontario, serving the GTA and surrounding areas in Ontario. When you call, you talk to me. Not a call centre, not a rotating team.
Markham is one of the GTA’s hottest markets. Tech corridor jobs, new developments, top-ranked schools, and strong newcomer demand keep prices high and competition fierce. You need financing that is fast, solid, and built for bidding wars.
I help buyers and owners across Markham, from Cornell to Unionville, new builds to resale. Purchases, renewals, refinances, and the tricky files banks turn away. Personal service backed by 50+ lenders, including A lenders, B lenders, and private options.
New to Canada and buying in Markham? Thin credit history does not have to stop you. Special newcomer programs let you buy with alternative credit proof. I will guide you through every step in plain English.
Buying pre-construction in Markham? Deposit structures, interim occupancy, and final closing rules are tricky. I make sure your financing is solid at every stage, so closing day has no surprises.
Markham prices demand careful planning. How much home can you really afford? Should you stretch or stay conservative? I run the real numbers with you and build a mortgage plan that fits your life, not just your approval.
Own in Markham already? Most people just sign the bank’s renewal letter. That is usually a mistake. I shop your renewal against the market and can often beat it. With Markham equity growth, refinancing can fund renovations or investments.
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial
Yes. Several lenders offer newcomer programs that accept alternative credit like rent payments and utility bills. You can often buy with as little as 5% down. I will match you with the right program and handle the paperwork.
You buy now and close later, sometimes years later. Your final mortgage is arranged closer to closing, but you need a plan from day one. I track your file through the build and make sure you can still qualify when the keys are ready.
It happens in hot markets. If the appraisal comes in low, the lender funds based on the lower value and you cover the gap. I prepare you for this risk upfront and line up options, so a low appraisal does not kill your deal.
Yes. Banks decline files for many reasons that other lenders accept: bruised credit, non-traditional income, or high ratios. I work with B lenders and private options that look at the full picture. A bank ‘no’ is not the final answer.
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.
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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.