Agile mortgages with financial flexibility and a smart exit strategy

Our goal is to build a tailored mortgage solution that meets your current needs and helps you plan for the future. We focus on long-term relationships and are there for you every step of the way, through the full term of your mortgage.

Your Milton Mortgage Broker is Ready to Serve Building a Mortgage for Your Unique Financial Situation

From buying your first home to retirement, our mortgage professionals can help you find the ideal mortgage solution for your current stage of life and future. We’re here to listen and share our expertise and advice to set you up for financial success.

first time buyers
First-Time Home Buyers

Our experts are here to help you understand the options, make a plan for front-loading savings, and devise an exit strategy. Let us help you buy your first home.

mortgage refinancing
mortgage refinancing

We have solutions to increase cash flow and access and optimize equity for your short- and long-term goals.

Mortgage Renewals
Mortgage Renewals

We’ll review your financial situation and find the best option to meet your current and future needs. If something better is available, we’ll find it.

Mortgage Renewals
private mortgages

If you have trouble qualifying for a traditional mortgage, a private mortgage may be a good option. Our experienced team knows the ins and outs of private mortgages and is here to help you secure the best possible loan.

Second Mortgages
second mortgages

When you need cash flow, your home equity can be a valuable asset. Our team of experienced mortgage brokers is here to help you explore your second mortgage options.

lines of credit
lines of credit

Our team can help you secure a revolving home equity line of credit so you have the financial resources needed when an unexpected cost or an investment opportunity comes up.

Position yourself to Have Flexibility and Avoid Unnecessary Interest and Penalty Costs

How You Position Your Application Can Save You Thousands of Dollars

We leverage our experience and knowledge of what lenders expect and how they analyze applications to help you secure a mortgage that works for you. Positioning yourself properly not only makes a good first impression, it helps you secure the best possible rate and terms for your current and future goals.

Our Approach to Ensuring You Put Your Best Foot Forward with Lenders

We take the time to understand about you so we can find the right mortgage product and secure finance quickly and easily. We make sure all documentation is well organized so a lender can easily assess your financial situation, increasing your chances of getting approved. Our mortgage planners work are there at every step to offer guidance, now and throughout the life of your mortgage.

Get Approved for a Mortgage on Your Terms Mortgage Application Expertise

Mountain

Getting a Mortgage Shouldn’t Feel Like a Mountain of a Task!

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    Choosing the right mortgage

    Whether you opt for a variable or fixed rate mortgage will depend partly on your exit strategy... your plan for paying off the mortgage. You may want to be able to pay your mortgage off sooner rather than later, so you’ll want the flexibility of terms that ensure you aren’t dinged by hefty penalties. An efficient payment structure is also important. You’ll want to factor in the ability to make lump-sum annual prepayments without penalty and the impact of a bi-weekly versus monthly payment schedule.

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    Save on interest and penalties

    Choosing the right payment schedule and a mortgage with flexibility can save you a lot of money... in interest and penalties. A bi-weekly payment schedule (as opposed to monthly) means you’ll make two extra mortgage payments each year, helping you pay off the interest and principle faster. And the ability to make lump-sum annual prepayments without penalty means you can pay off your mortgage sooner and save on interest in the long run.

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    Leverage our experience

    Our team of experts is here to provide an in-depth analysis of your finances so we can find the... best products for your situation. We’ll explore your needs, review the best options with you and offer recommendations based on years of experience helping homebuyers like you.

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    Build long-term wealth

    We take the time to understand your short- and long-term goals so we can create a specific... plan, including repayment and exit strategy. This plan is designed for flexibility to save you money in the long run—an approach that helps our clients build long-term wealth.

Build Long-term Wealth

Be a Winner

Build Long-term Wealth and Accomplish Your Goals with the Right Mortgage Solution

The Right Mortgage

The Right Mortgage Isn’t Always the One with the Lowest Rate,

It’s the One that Helps You Grow Your Wealth and Achieve Your Goals and Dreams.

Our team looks at your full financial picture to determine how much mortgage you can qualify for and which products are best suited for your needs. We take a consolidated approach to help reduce your interest costs in the short- and long-term, while also ensuring you have financial flexibility in case your situation changes. The smallest adjustments can have a huge impact on your bottom line, so we’re always looking for the best customized solutions.

Achieve your objectives with the Right Mortgage Solution

  • Maintain Cash Flow

    A home equity line of credit or all-in-one banking solution will give you financial flexibility.

  • Manage Your Debt

    Consolidating debts in an all-in-one banking solution can help you save on interest costs and provide a clear picture of total debt levels.

  • Help Your Family

    We can structure your mortgage so that deep interest savings can be used for your kids’ education, wedding or downpayment on their first home.

Achieve your objectives
  • Grow Your Savings

    Use the equity in your home to invest in opportunities that will grow your savings.

  • Invest in Property

    We’ll help you structure your mortgage so you’re able to invest in a cottage or other property in as little as five years.

  • Financial Freedom

    We can get you mortgage-free faster with unique solutions including accelerated payments and no-penalty prepayments.

What to Expect when You Work with Mortgage Winners

1

Initial call

An experienced advisor will get to know your current financial situation and future plans so we can offer you the best mortgage solutions.

2

Organize documents

Whether you’re buying a home or refinancing your mortgage, we’ll provide a checklist to ensure you have all the documentation needed to assess your situation and secure a mortgage.

3

Application

We know what lenders expect and how they analyze mortgage applications, so we’ll put that expertise to work in building a clear and thorough mortgage application.

4

Select solution

Your broker will walk you through each offer, explaining the pros and cons, so you can feel confident you’re selecting the best solution for your current and long-term goals.

5

Mortgage approval

From getting the mortgage underwritten to a property survey and any other conditions that must be met, we’ll guide you through the process, step by step, to ensure everything is managed effectively.

6

Mortgage Fulfillment

From registering the mortgage to transferring the title to satisfying any remaining conditions, we’ll help you navigate all the pre-closing tasks required.

7

funding

On the closing date, funding will be transferred and your name will be registered on the title.

8

Advice

Change is inevitable, so we’re here to help at any time if you need advice on prepayment options, refinancing, accessing equity or any other aspects of your mortgage.

Leverage our experience

Leverage our experience We Work with an Extensive Network of Financial Service Providers

Our team is here to help you build the best mortgage for your unique financial situation—and we’ll be here for you through the full term of your mortgage. Our brokers have contacts at all the major lenders, so let’s work together to find you the best option.

Building Mortgage Solutions We Work with Every Major Lender in Canada

Manulife
Scotiabank
CIBC
BMO
RCB Royal Bank
CMLS
Desjardins Financial
Equitable Bank
First National
MCAP
RMG Mortgages

Winning Reviews What our Clients are Saying on Google

Kirtan Patel
Kirtan Patel
December 2020
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Gagan and Julia were great throughout the process. They worked very closely with us to fully understand our needs and went out and got the job done. I look forward to working with you again!
Korry Dickout
Korry Dickout
November 2020
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In a world full of stress and uncertainty, renewing your mortgage can certainly add to the mix. Mortgage Winners was a big source of relief. Thanks Mortgage Winners for all your help and professionalism.
Sunny Sanghera
Sunny Sanghera
November 2020
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Gagan and the Mortgage Winners team is knowledgeable, reliable and responsive throughout the financing process. I can truly say that no other mortgage professional or team of professionals in prior dealings have been as easy to work.
Scotty H
Scotty H
June 2020
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Our experiences with both Gagan and Julia were always nothing short of fantastic! Their consistent display of professionalism, efficiency, competence and expertise were evident in every interaction.
Bob Hamilton
Bob Hamilton
June 2020
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We are now happily living in our new home, and are happy to give a very big thumbs up to Mortgage Winners in helping to get us here. We highly recommend you contact them for your mortage needs.
Mike Marchessault
Mike Marchessault
October 2019
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When it came time to roll my debt into my mortgage Julia worked directly with the lenders and gave me clear instructions of what I needed to do.
Catia Silva
Catia Silva
October 2019
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Loved working with Gagan and his team. Very helpful and answered any questions/concerns we had along the way. Will definitely recommend them to future clients.
christian hernandez
christian hernandez
October 2019
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I would highly recommend them for their no stress approach, expertise and willingness to go above and beyond. Thanks Gagan & team.
TyTy C Channel
TyTy C Channel
September 2019
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Mortgage Winners made our financial institution change when renewing our mortgage a breeze! Staff is extremely helpful and knowledgeable. I highly recommend picking them to be your Broker!
Ravinder Singh
Ravinder Singh
September 2019
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If you're looking for a mortgage broker that cares this is the place for you. Gagan was nothing but helpful when we were getting a mortgage for our new home. He's also bee a great help after we got the mortgage.
Julieth Romero-Oran
Julieth Romero-Oran
August 2019
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I went looking online for mortgage brokers and found this company , they are super friendly and so helpful! Our mortgage felt so easy because of them!
Kathleen Bernardo
Kathleen Bernardo
August 2019
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Mortgage Winners will always be my go-to when it comes to financial/mortgage needs. For clients like us who knows very little about this industry, we feel confident working with Julia and Gagan.
Sim Bains
Sim Bains
September 2016
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My overall experience with Mortgage Winners was fantastic! They took the time to ask questions and helped me plan a mortgage option that I felt completely comfortable with.
Philip Martin
Philip Martin
July 2019
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Gagan and Julia were extremely professional and dedicated to my mortgage needs. Questions and concerns were addressed promptly in an easy to understand format any audience will appreciate.

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