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Based in Bolton, right next door. Get straight answers and sharp rates from a mortgage broker who knows Caledon’s country roads.
I’m Tony Brar, Mortgage Agent Level 2 with 16+ years in the mortgage business. I’m based in Bolton, Ontario, right next to Caledon. When you call, you talk to me. Not a call centre, not a rotating team.
Caledon is not like the rest of the GTA. Acreages, estate homes, hobby farms, wells, and septics. These properties play by their own rules, and they need a broker who knows which lenders are comfortable with rural Ontario.
I help buyers and owners across Caledon, from Belfountain to Caledon East, Palgrave to Inglewood. Purchases, renewals, refinances, and the tricky files banks turn away. You get hyper-local service backed by 50+ lenders, including A lenders, B lenders, and private options.
Buying an acreage or estate home? Wells, septics, outbuildings, and land value all affect your mortgage. I know which lenders fund rural Caledon properties and how to structure the file so it gets approved.
Want more space without Toronto prices? I will walk you through pre-approval, down payment rules, and closing costs in plain English. You will know your real budget before you start house hunting.
Already own in Caledon? 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. Refinancing can also unlock equity for renovations or building on your lot.
Run a business, farm, or trade? Bank formulas often punish self-employed income. I work with lenders who look at what you actually earn, not just your tax return. If your bank said no, talk to me first.
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial
Yes, in most cases. Lenders want the water and septic systems to meet local standards, and some ask for water tests or septic inspections. I place rural files with lenders who fund them every day, so you are not stuck with a no.
Sometimes. It depends on the property, your credit, and the lender. Some lenders treat large acreages conservatively. I will tell you exactly what to expect before you make an offer, and match you with a lender that prices rural properties fairly.
Not with the right lender. Banks often shrink self-employed income with their formulas. I work with A and B lenders that use common-sense rules for business owners, farmers, and tradespeople. You deserve a mortgage based on what you really earn.
Caledon is my backyard, but I help buyers and owners across the GTA and surrounding areas in Ontario. Most of the process happens by phone, email, and secure document upload. Local clients are also welcome to meet me in person at 12 Parr Blvd in Bolton.
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.