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Milton is one of Canada’s fastest-growing towns. New streets, new schools, new builds everywhere. Your mortgage broker should know new construction cold.
I’m Tony Brar, Mortgage Agent Level 2 with 16+ years in the mortgage business. I’m based in Bolton, Ontario, and I work with Milton buyers and owners across every new neighbourhood. When you call, you talk to me. Not a call centre, not a rotating team.
Milton grows by the month. Beaty and Dempsey filled in fast, Clarke and Scott are the new frontiers, and infill is changing the older core. Most buyers here are choosing between new builds and resale, and the financing for each is different. Builder price sheets, occupancy closings, upgrade packages, I speak fluent new construction.
Young families, first-time buyers, and movers from Mississauga and Brampton make up most of my Milton clients. I get them pre-approved with honest numbers, protect them through long pre-construction waits, and shop every renewal. Purchases, renewals, refinances, and the tricky files banks turn away.
Buying from a builder? Deposit structures, occupancy fees, and final closings a year out all need planning. I set your financing up at purchase and keep it on track until you get the keys.
New to the market? I will give you a real pre-approval with your true budget, down payment, and closing costs mapped out. No inflated numbers that fall apart when you find the house.
Bought a few years ago and sitting on equity? I shop your renewal against 50+ lenders instead of letting the bank roll you over. Refinancing can fund renovations, consolidate debt, or finance your next move.
Trades, trucking, small business, Milton runs on self-employed income. If the bank’s T1 line does not reflect what you earn, alternative lenders will look at your bank statements instead. I know exactly where to place these files.
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial
Before final closing, builders charge a monthly occupancy fee once you take interim occupancy. It is not a mortgage payment and it does not build equity. I will factor it into your budget from day one so it never catches you off guard.
Standard pre-approvals last 90 to 120 days, but pre-construction closings can be a year or more away. I use extended rate holds and re-qualification strategies so your financing is solid when the builder finally calls.
They can be. Builder upgrades, development charges, and HST considerations add up beyond resale closing costs. I will map every dollar before you sign with the builder, not after.
Of course. Most of my Milton clients came from Mississauga, Brampton, or Toronto. Everything happens by phone, email, and secure upload, and I’m a short drive away in Bolton if you ever want to meet in person.
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.
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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.