Looking for a mortgage broker in Oshawa?
Oshawa is one of the most affordable cities in the GTA, and that is drawing more buyers every year. Whether you are purchasing your first home near Ontario Tech, renewing in Taunton, or investing in a rental property downtown - we shop the full lender market to get you the best deal.
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Google reviews
5.0
Star rating
30+
Lenders
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Broker fee
The Oshawa housing market
The median detached home in Oshawa is approximately $750,000 in 2026, making it one of the most affordable markets in the Greater Toronto Area. First-time buyers are particularly active here. The north end near Windfields and Kedron is growing fast with new subdivisions, while south Oshawa offers older character homes at lower price points.
Average $708,723 (down 2% month-over-month, 9.3% year-over-year), median $665,000 across 183 sales in May 2026. Wahi classified Oshawa a balanced market.
Detached
$793,496
Semi
$600,238
Townhouse
$683,974
Condo
$367,083
Where prices sit by neighbourhood
North Oshawa's priciest area, larger newer detached near the Ontario Tech corridor
Established north Oshawa family neighbourhood with larger detached above the city average
Newer master-planned community next to Ontario Tech and Durham College, families and student-rental investors
Affordable urban core with older detached and semi stock, entry-level detached from roughly $550K-$750K
Lakefront south-end neighbourhood, older bungalows and infill, affordable detached from about $600K-$850K
What keeps demand steady
- Ontario Tech University north Oshawa campus, plus Durham College, anchoring north-end demand
- GM and automotive manufacturing legacy and the Oshawa assembly plant
- Oshawa GO Station on the Lakeshore East line into Toronto
- Highway 401 and 407, with GO expansion extending toward Bowmanville
Land transfer tax: Durham Region: Ontario LTT only, no municipal LTT. First-time buyer rebate up to $4,000.
Local data sources: wowa.ca/gta/oshawa-housing-market · wahi.com/ca/en/housing-market/on/gta/durham/oshawa · zolo.ca/oshawa-real-estate/windfields · realosophy.com/oshawa-durham-region/neighbourhood-profile
We also serve nearby
Why use a mortgage broker in Oshawa?
A mortgage broker is a licensed professional who shops multiple lenders on your behalf. Instead of going to one bank and accepting their offer, a broker compares rates and terms from 30+ lenders in a single application. The lender pays the broker, so there is no cost to you.
Oshawa pricing rewards buyers who move with financing already locked. On a Oshawa-sized mortgage, even a small rate gap adds up to thousands over a five-year term, which is exactly where shopping 30+ lenders pays off. A broker also negotiates the terms that bite later: prepayment privileges, portability within Durham Region, and how your penalty is calculated if you break early. Big banks often calculate fixed-rate penalties off inflated posted rates, while many monolines and credit unions use your contract rate instead.
Jeff and Emily Mudrick are licensed mortgage agents with BRX Mortgage Inc. (Lic# 13463), serving Oshawa and all of Durham Region. With 177 five-star Google reviews and access to every major lender in Canada, they handle everything from first-time purchases to complex refinances and investment properties.
What we help with in Oshawa
From Windfields to Kedron, here is what we see most often in Oshawa.
Buying a Home
First-time or experienced buyer, we walk you through the stress test, down payment options, CMHC insurance, and closing costs. Then we find the rate and lender that fits your situation.
Mortgage Renewal
Your bank sends a renewal letter and hopes you sign it without shopping around. You can switch lenders at renewal with zero penalty. We compare the full market so you know exactly what you are leaving on the table.
Refinancing
Pulling equity for renovations, consolidating debt, or restructuring your mortgage to save money. We calculate the penalty, compare the options, and make sure the numbers actually work before you commit.
Investment Properties
Rental properties have different qualification rules, down payment requirements, and rate options. We know which lenders are investor-friendly and how to structure applications to maximize your buying power.
Healthcare Professionals
Physicians, dentists, residents, and nurses have unique financial situations. Student debt, income that jumps between career stages, and offer letters instead of T4s. We work with lenders who understand all of it.
Self-Employed
Business owners, freelancers, and commission earners face tighter scrutiny from traditional lenders. We know which lenders accept business financials, stated income, or alternative documentation to get you approved.
How it works
Three steps. No paperwork surprises.
Book a free call
Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Oshawa. 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.
Mortgage questions in Oshawa
If your question is not here, book a call - we answer everything.
Ready to talk?
Book a free call with Jeff or Emily. No commitment, no sales pitch - just honest answers about your Oshawa mortgage.
Book a CallOr email us at jeff@mudrickmortgages.com