ABOUT US
providing the best rates and options.
committed to providing my clients with exceptional service while getting you the best mortgage available.
I help Canadians make confident mortgage decisions with clear advice, competitive options, and a process that removes the stress from financing a home. I compare rates and mortgage products across multiple lenders—including banks, credit unions, and alternative lenders—to find the right fit for your goals, not just the lowest posted rate.
Whether you’re buying your first home, renewing, refinancing, or navigating a more complex situation, we bring strategy, speed, and transparent communication to every file.
FREQUENTLY ASKED QUESTION.
AM I READY TO BE A HOMEOWNER?
You’re likely ready to be a homeowner if you have stable income, a down payment plus closing costs saved, manageable debt, and you can comfortably afford the full monthly housing costs (mortgage, taxes, insurance, utilities, maintenance).
WHAT IS THE MINIMUM DOWN PAYMENT?
The minimum down payment is: 5% for homes $500,000 or less; 5% of the first $500,000 + 10% of the amount over $500,000 for homes $500,000 to under $1.5 million
IS THERE UNPUBLISHED RATE SPECIALS?
Often rates that are not publicly advertised—for example broker-only “rate specials,” lender promotions, and discretionary discounts (sometimes called a rate exception) that depend on your down payment, credit, income type, property, and whether the mortgage is insured/uninsured.
WHAT SHOULD I EXPECT AT CLOSING?
Closing costs are the one-time expenses to finalize your home purchase —typically costs include legal fees, title insurance, home inspection, etc. You should expect to spend approximately 1.5% or $3,000+ depending on the purchase price and province.
WHAT IS PRE-APPROVAL?
Getting pre-approved is a smart first step because it confirms your budget and strengthens your offer when you find the right home. It can also help lock in a rate for a limited time while you shop.
HOW FAST TO GET PRE-APPROVED?
Often 24–72 hours once you provide complete documents and consent to a credit check; more complex files (self-employed, variable income, credit issues) can take 3–7 business days.
MORTGAGES We Have Done.
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"My life changed forever"
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"Highly recommend this"
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Message From Jhon
To Our Clients
At Mega Mortgage Broker, our mission is to help families and businesses secure financing with clarity and care. We prioritize tailored advice and transparent rates to find the right loan for you.
Jhon Martin
Mortgage Broker