Mortgage Agent in Ajax

Vishvesh Patel, FSRA-licensed Mortgage Agent in Ontario By Vishvesh Patel, Mortgage Agent · Centum Financial Services Limited Partnership · FSRA licence M26001018

Vishvesh Patel, Mortgage Agent serving buyers in Ajax, Ontario — Vishvesh Patel, Mortgage Agent serving buyers in Ajax and across the GTA.

The short answer: Buying in Ajax? I am Vishvesh Patel, a licensed mortgage agent. I help Ajax buyers budget the full cost of buying — down payment plus closing costs — and match their file to the right lender.

Ajax buyers usually ask me for the full picture, not just the rate: what do I need saved, what will the monthly payment be, and what else has to be paid on closing day? Those are the right questions. Land transfer tax, legal fees, and adjustments add 1.5% to 4% on top of your down payment.

Whether it is your first home in Ajax, a renewal coming due, or a refinance to consolidate debt or fund a renovation, we start with your numbers and your goal. Then I shop your file across lenders and explain the options in plain English — no jargon, no pressure.

Mortgages I arrange in Ajax

Purchases & pre-approvals

First home or next home in Ajax
Pre-approval with a rate hold of 90 to 120 days
A real budget: down payment plus closing costs

Renewals, switches & refinancing

Renewal shopping — start 120 days before your date
Switching lenders for a better fit
Refinancing for renovations, debt, or equity

Newcomer programs

No Canadian credit history? Alternative credit can work
Rent, utility, and phone payment history
A clear document list before you apply

Self-employed & commercial

Self-employed income, presented the way lenders want
Investment and rental properties
Commercial purchases and refinances in Ontario

Why Ajax buyers work with a broker

Your bank's mortgage is one product on one shelf. An Ajax file I handle gets compared across banks, credit unions, and monoline lenders through CENTUM, so the rate, penalty terms, and prepayment privileges are all on the table before you choose. In most standard mortgages, that work costs you nothing — the lender pays me.

My file work is done through Centum Financial Services Limited Partnership, and I am licensed by FSRA in Ontario (licence M26001018, Agent Level 1). I speak English, Hindi, Gujarati, and Punjabi, and I am reachable evenings and weekends — because houses do not wait for business hours.

Vishvesh Patel, Mortgage Agent for Ajax buyers, smiling in a suit — Vishvesh Patel — a straight answer, and someone who picks up the phone.

Ajax mortgage questions, answered

Do you work with buyers in Ajax?+

Yes. I am licensed in Ontario and I work with buyers in Ajax and across the GTA — first-time buyers, newcomers to Canada, families renewing or refinancing, and self-employed buyers. We work by phone, video, and email, in the evenings and on weekends too. In most standard mortgages you pay nothing — the lender pays me.

How much down payment do I need to buy a home in Ajax?+

For an insured mortgage in Ontario, the minimum is 5% on the first $500,000 of the purchase price, 10% on the portion from $500,000 to $1 million, and 20% on homes $1 million and up. These are minimums. A bigger down payment means a smaller mortgage and lower monthly payments.

How much are closing costs in Ajax?+

Plan for 1.5% to 4% of the purchase price on top of your down payment. That covers land transfer tax, legal fees, and adjustments. Buyers who budget only for the down payment run out of money at the finish line. Get a written estimate from your lawyer early.

Should I use a mortgage broker or go straight to my bank in Ajax?+

A bank can only offer you its own products. A broker shops your file across many lenders, including banks, credit unions, and monoline lenders, and finds the one that fits your situation. If your file is straightforward, both can work. If it is anything unusual, a broker has more places to go.

Buying or renewing in Ajax?

Tell me your goal and your timeline, and I will give you your real numbers in plain English. In most standard mortgages you pay nothing — the lender pays me.

Call (647) 313-9636 Send a message Book a call

Also serving buyers in Whitby, Oshawa, Scarborough. Read more on the blog: how much down payment you need in Ontario and how newcomers get a mortgage with no Canadian credit history. Or go back to the homepage for the down payment calculator and today's Market Pulse.

This page is general information, not financial advice. No approval, rate, or outcome is promised. Rates and programs change — ask for today's numbers.

Vishvesh Patel is a Mortgage Agent with Centum Financial Services Limited Partnership, licensed by FSRA in Ontario. FSRA licence M26001018, Agent Level 1, status: Authorized to Sell (issued May 28, 2026; expires March 31, 2027). Verify this licence in the FSRA registry. Licensed in Ontario only — helping buyers from across Canada buy in Ontario. Phone: (647) 313-9636 · Email: hello@vishveshpatel.com.