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Toronto moves fast. Bidding wars, bully offers, condos selling in days. You need a mortgage broker who moves faster.
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 Toronto buyers and owners every week. When you call, you talk to me. Not a call centre, not a rotating team.
Toronto is not one market. Downtown condos in CityPlace and Liberty Village play by different rules than semis in Leslieville or detached homes in Bedford Park. Pre-construction in the east end, resale in the west, each has its own financing quirks. I know how lenders treat each one.
I help Toronto buyers get pre-approved with real numbers, not guesses, so you can bid with confidence. And I help owners renew and refinance without leaving money on the table. Purchases, renewals, refinances, and the tricky files banks turn away.
In Toronto, a weak pre-approval gets you ignored. I get you fully vetted before you bid, so your offer stands out. You will know your exact ceiling, your closing costs, and your land transfer tax, including Toronto’s extra municipal tax.
Buying a condo or pre-construction? Lender rules on occupancy fees, assignment sales, and new-build appraisals are full of traps. I have funded hundreds of condo deals and know which lenders handle them cleanly.
Own in Toronto? Most owners just sign the renewal letter the bank sends. That letter is priced for the bank, not for you. I shop your renewal across 50+ lenders and beat it more often than not.
Freelancer, contractor, or business owner? Stated-income and alternative lenders exist for exactly your situation. Investors, I can structure rentals and multi-unit purchases so the numbers work.
5.0-star Google rating · FSRA Licence #13371 · Dominion Lending Centres Yournesta Financial
Toronto buyers pay both Ontario and City of Toronto land transfer taxes, which roughly doubles the bill compared to the rest of the province. First-time buyers get rebates on both. I will calculate your exact number during pre-approval so there are no surprises at closing.
Yes, but timing matters. You need approval at purchase and again at occupancy and final closing, and the numbers can change. I structure pre-construction files so you are covered at every stage, including bridge options if your closing and move-in dates do not line up.
Absolutely. Bank statements, stated income, and alternative lenders are built for freelancers, contractors, and business owners. I work with these files every day and know which lenders will look at your real income, not just your taxable line.
A bank pre-approves you for its own products at its own rates. I compare 50+ lenders, including monolines and credit unions the banks never mention. It costs you nothing to compare, and the difference over five years can be thousands.
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.