- Mon - Fri : 9:30AM - 5:30PM
Our Mortgage Services
What We Offer
Our Mortgage Services
Discover the perfect mortgage solution with Patron Mortgages, where our expertise meets your homeownership and financial goals.
First-Time Homebuyer Mortgages
Guiding first-time buyers through the purchasing process with personalized advice, competitive rates, and down payment support for a smooth start to homeownership.
- Tailored advice for first-time buyers
- Competitive interest rates
- Guidance through the entire process
- Assistance with down payment options
Residential Mortgages
Tailored residential mortgage solutions that match your lifestyle and financial goals, offering both fixed and variable rates for primary and investment properties.
- Customizable loan terms
- Fixed and variable rate options
- Solutions for primary residences and investment properties
- Expert negotiation for the best rates
Commercial Mortgages
Specialized commercial financing to support your business or investment, with competitive rates and terms tailored to the unique needs of commercial real estate.
- Financing for all types of commercial properties
- Competitive rates and flexible terms
- Custom solutions for purchase, refinance, or expansion
- Expertise in the commercial real estate market
Refinancing
Optimize your mortgage with refinancing options to lower payments, access better rates, or unlock equity in your home for financial flexibility.
- Lower monthly payments
- Access better interest rates
- Convert equity into cash
- Consolidate debt
Equity Take-Out (HELOC)
Access your home's equity to fund renovations, large purchases, or consolidate debt, with flexible options tailored to your financial needs.
- Fund home renovations or large purchases
- Consolidate high-interest debt
- Flexible repayment options
- Access to large amounts of funding
Debt Consolidation
Simplify your finances by consolidating debts into one manageable payment, reducing monthly outgoings and potentially improving your credit score.
- Lower your overall monthly payments
- Simplify your finances with one payment
- Improve your credit score
- Reduce interest rates on existing debts
Solutions for New Immigrants
Empowering new Canadians with mortgage solutions that recognize the challenges of establishing credit and securing housing in a new country.
- Specialized mortgage products for newcomers
- Guidance on establishing credit in Canada
- Flexible qualification criteria
- Support throughout the application process
Bad Credit Mortgages
Offering hope and solutions for those with bad credit, with flexible lending criteria and tailored advice to help secure financing and move forward.
- Understanding and flexible lending criteria
- Options for improving credit scores
- Strategies for securing financing
- Tailored advice to navigate bad credit challenges
Delivering Expert Mortgage Solutions for Your Homeownership Journey
Our mission is to simplify the path to homeownership in the GTA, offering tailored advice and solutions that turn dreams into reality. We’re dedicated to your financial well-being, leveraging over two decades of expertise to guide you home.
How It Works
Simplifying Your Mortgage in Canada: 4 Easy Steps
Step 1
Initial ConsultationExplore Your Options
Discover the best mortgage types and rates that fit your financial situation.
Step 2
Gather Necessary Documents
Prepare your financial documents, including income verification and credit reports.
Unmatched Expertise
With decades of experience, our team possesses deep insights into the GTA’s mortgage market, ensuring you receive the best advice and options.
Personalized Solutions
Every client’s journey is unique. We tailor mortgage solutions to fit your specific needs, ensuring a smooth path to homeownership.
Comprehensive Service Range
From first-time homebuyers to complex commercial investments, our extensive service range meets all your mortgage needs under one roof.
F. A. Q's
Frequently Asked Questions
At Patron Mortgages, we understand that navigating the mortgage process can be complex. Here are answers to some of the most frequently asked questions to help you understand the essentials of securing a mortgage in the GTA, Canada.
- Proof of income (e.g., pay stubs, tax returns)
- Credit report and score
- Identification documents
- Down payment information
A fixed-rate mortgage keeps your interest rate steady throughout the term, while a variable-rate mortgage fluctuates with the market interest rate.
Complete an application with us, providing your financial details. We'll assess your situation and provide a pre-approval outlining your borrowing limit.
The timeline can vary based on several factors, but typically, pre-approval can be obtained within 24-48 hours, and the full mortgage process can take a few weeks to a few months.
Yes, refinancing is available for those looking to access equity, consolidate debt, or secure a better interest rate.