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From Agincourt to the Bluffs, Scarborough buyers want the same thing: a fair rate, straight answers, and someone who picks up the phone.
I’m Tony Brar, Mortgage Agent Level 2 with 16+ years in the mortgage business. I’m based in Bolton, Ontario, and I help Scarborough buyers and owners every week. When you call, you talk to me. Not a call centre, not a rotating team.
Scarborough has range. Brick bungalows in Birch Cliff, family detached homes in Woburn and Malvern, condos rising near Scarborough Town Centre. Multi-generational households are common here, and that changes how a mortgage should be structured. I get it, and I structure files accordingly.
First-time buyers, newcomers to Canada, growing families moving up, I work with all of them. Purchases, renewals, refinances, and the tricky files banks turn away. You get honest advice and access to 50+ lenders, including A lenders, B lenders, and private options.
Buying your first home in Canada? I will walk you through pre-approval, down payment rules, and closing costs in plain English. Newcomer programs exist with little or no Canadian credit history. I know which lenders offer them.
Parents, kids, and grandparents under one roof is normal in Scarborough. I structure mortgages that reflect combined household income the right way, so your family qualifies for the home you actually need.
Already own in Scarborough? Do not just sign the bank’s renewal letter. I shop your renewal across the market and can often beat it. Refinancing can also unlock equity for renovations or a basement suite.
Contractor, rideshare driver, small business owner? Your income is real even if a bank’s formula says otherwise. I work with alternative and private lenders who look at the full picture.
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial
Yes. Several lenders have newcomer programs that accept limited or no Canadian credit history, usually with 35% down, sometimes less. I will match you with the right program and walk you through every document you need.
Often yes. Some lenders count a portion of legal rental income toward your qualification, and a few accept suites that are not fully registered. I know which lenders are flexible and how to document the income properly.
Probably not. Banks send renewal letters priced for their profit, not your benefit. Let me shop it against 50+ lenders. The review is free, and I regularly beat bank renewals by enough to matter.
I’m based in Bolton, but I serve buyers and owners across the GTA and Ontario. Most of the process happens by phone, email, and secure document upload, so distance is never an issue.
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.