Moving from the GTA
Selling in Toronto or Mississauga and buying in Kitchener? Amit lines up the timing and, if your closing dates don't match, short-term bridge financing.
Kitchener • Doon South • Huron Village • Grand River • Downtown
Better mortgage options for Kitchener buyers and homeowners.
From family homes in Doon and Huron Village to condos in Downtown Kitchener, one call gives you 40+ lenders to compare. Pre-approvals usually within one to two business days, and no cost to you on standard mortgages.
- 5.0 on Google
- $110M+ funded
- Kitchener and Waterloo Region
Financing homes in Kitchener's growing neighbourhoods
Kitchener draws growing families and people moving from the GTA for more space at a lower price. Getting the timing and the lender right matters more than shaving a few basis points.
New builds in Doon and Huron Village
Builder deposits, approval letters and longer rate holds that some lenders offer on new construction, so a rate rise during the build doesn't catch you out.
Refinancing and renovations
Use your home equity to finance a basement suite or renovation, or to pay off high-interest debt, with the penalty maths done first.
Renewing in Kitchener? Check your window.
Your lender's renewal letter is rarely its best offer. Amit compares 40+ lenders and can hold a rate up to 120 days before your renewal date. Pick your renewal month.
Some of the lenders Amit works with
What would your Kitchener payment be?
Canadian semi-annual compounding, with mortgage default insurance added automatically when your down payment is under 20%. A quick estimate, not a quote.
For a real number based on your credit and income, ask Amit.
Kitchener mortgage questions
Something else on your mind? Text Amit. He usually replies the same day.
What's the minimum down payment in Kitchener?
5% on the first $500,000 of the price and 10% on the part between $500,000 and $1.5 million. Homes at $1.5 million or more need 20%. With less than 20% down, mortgage default insurance is required.
Can I get a 30-year amortization?
Since December 2024, first-time buyers and buyers of newly built homes can get a 30-year amortization on an insured mortgage. It lowers the monthly payment but adds interest over time, so Amit will show you both.
Does it cost anything to work with Amit?
Not for standard residential purchases, renewals and refinances. The lender pays Amit when your mortgage funds. If your file needs a private or alternative lender, any fee is shown to you in writing first.
How fast is a pre-approval?
Usually one to two business days once Amit has your documents, such as pay stubs, T4s and proof of your down payment.