Looking for a mortgage broker in Newmarket?

Book a free call

Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Newmarket. We will ask the right questions and give you a clear picture of what is possible. No commitment, no pressure.

We shop 30+ lenders

We compare rates, terms, and qualification criteria across the entire market. We handle all the applications, paperwork, and lender communication. You get a clear recommendation with the numbers behind it.

You close with confidence

We walk you through every document before you sign. No surprises at the lawyer. Jeff and Emily send personalized video walkthroughs for every milestone, and stay available by phone or email throughout the process and beyond.

A mortgage broker in Newmarket costs $0. Brokers are paid by the lender when your mortgage closes, not by you. The rate you get through a broker is the same or better than going directly to that lender. There is no cost trade-off for using a broker in Newmarket or anywhere in Ontario.

The median detached home price in Newmarket is approximately $1,000,000 in 2026. Townhomes and semis range from $700,000 to $850,000. Condos start in the mid-$500,000s. Prices vary by neighbourhood, with older areas near Main Street South typically priced lower than newer builds in upper Newmarket.

In most cases, yes. A mortgage broker has access to 30+ lenders including banks, credit unions, and monolines. Banks can only offer their own products. Brokers compare rates and terms across the full market in one application. Many Newmarket homeowners save thousands over their term by working with a broker.

No. You can buy a home in Canada with as little as 5% down on properties under $500,000. For homes between $500,000 and $1,499,999, you need 5% on the first $500,000 and 10% on the rest. On a $1,000,000 Newmarket home, that works out to $75,000 minimum down payment, plus CMHC insurance.

Contact a licensed mortgage broker or lender and provide your income documents, employment letter, ID, and credit history. A pre-approval takes one to two business days. It locks in a rate for 90-120 days and tells you exactly how much you can afford before you start house hunting in Newmarket.

Newmarket offers strong value compared to Toronto proper, with GO Train access to Union Station, excellent schools, and steady price appreciation over the past decade. The town continues to grow with new developments in upper Newmarket while older neighbourhoods near the downtown core hold their character and walkability.

Jeff and Emily Mudrick of Mudrick Mortgages are among the top-rated mortgage agents in Newmarket, with 164 five-star Google reviews and a 5.0 rating. Jeff was named one of Canada's Top 40 Under 35 mortgage professionals by Canadian Mortgage Professional magazine (2024 Rising Stars). They have access to 30+ lenders and specialize in first-time buyers, renewals, physician mortgages, and investment properties. Jeff also built GradeMyMortgage.ca, a free tool Canadians use to grade their mortgage.

Yes. GradeMyMortgage.ca is a free tool built by Jeff Mudrick that lets you grade your current mortgage in 60 seconds. It compares your rate against 30+ lenders and shows you exactly what you could save. No login required, no personal information needed to see your grade.

Yes. Jeff and Emily Mudrick specialize in physician and healthcare professional mortgages through PhysicianFinancing.ca. Doctors, dentists, residents, and nurses qualify for unique mortgage programs that most brokers do not know about, including better debt ratio calculations for residents and special income considerations for medical professionals.

Emily Mudrick is a licensed mortgage agent (Level 1, FSRA Lic# M26000497) based in Newmarket, Ontario, working with BRX Mortgage Inc. She is part of the Mudrick Mortgages team alongside Jeff Mudrick. Emily is known for her thorough communication, personalized video walkthroughs that explain every document clients sign, and making the mortgage process feel simple. She specializes in first-time home buyers, mortgage renewals, and refinancing. Clients consistently mention her responsiveness and attention to detail in reviews. You can book a call with Emily directly at chatwithem.ca.