Mortgage Agent in Markham
By Vishvesh Patel, Mortgage Agent · Centum Financial Services Limited Partnership · FSRA licence M26001018
Markham has a lot of first-time buyers and a lot of families new to Canada, and the two groups ask me the same thing: where do I even start? The honest answer is with your numbers — income, debts, savings, and credit — reviewed properly before you look at a single listing.
If your Canadian credit history is short or does not exist yet, that is a paperwork problem, not a dead end. Newcomer programs look at rent history, bills paid on time, and banking records. I will give you the exact list of what to pull together for your Markham purchase.
Mortgages I arrange in Markham
Purchases & pre-approvals
- First home or next home in Markham
- 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 Markham buyers work with a broker
A mortgage broker shops your file across many lenders instead of one. For Markham buyers, that choice of lender matters most when the file is not plain-vanilla: short credit history, self-employment income, or a down payment coming partly as a family gift. I match the file to the lender that handles it best. In most standard mortgages you pay 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.
Markham mortgage questions, answered
Do you work with buyers in Markham?+
Yes. I am licensed in Ontario and I work with buyers in Markham 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.
Can I buy a home in Markham with no Canadian credit history?+
Yes, it is possible. Some lenders accept alternative credit, like 12 months of on-time rent, utility bills, and cell phone bills, plus an international credit report or a reference letter from your bank back home. Newcomer mortgage programs exist for exactly this situation. The paperwork matters more than the score.
What credit score do I need for a mortgage in Markham?+
There is no single cutoff. A higher score gives you more lenders and better rates. Some programs, including newcomer programs, can work with alternative credit if you have no Canadian score yet. What matters most is the full picture: income, debts, down payment, and payment history.
How much down payment do I need to buy a home in Markham?+
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.
Buying or renewing in Markham?
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 callAlso serving buyers in Vaughan, Scarborough, Toronto. 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.