Looking for a mortgage broker in Richmond Hill?

Book a free call

Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Richmond Hill. 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 Richmond Hill costs $0. Brokers are paid by the lender when your mortgage closes. You get access to 30+ lenders at no cost. The rate through a broker is typically the same or better than going directly to a bank. There is no fee for broker services in Richmond Hill.

The median detached home price in Richmond Hill is approximately $1,500,000 in 2026. Townhomes range from $800,000 to $1,000,000. Condos start in the $500,000s along the Yonge corridor. Richmond Hill is one of the higher-value markets in York Region, driven by demand for good schools and proximity to Toronto.

Yes. Banks can only offer their own products. A broker compares 30+ lenders in one shot. In Richmond Hill, where property values are high and mortgages are large, even a small rate difference means significant savings. Brokers also know which lenders handle non-traditional income and larger mortgages best.

For homes at or above $1,500,000, you need a full 20% down - that is $300,000 on a $1,500,000 home. For homes below that threshold, the minimum is 5% on the first $500,000 and 10% on the rest. Many Richmond Hill purchases require 20% down given the price range.

Contact a licensed mortgage broker with income documents, employment confirmation, government ID, and credit consent. Pre-approval takes one to two business days and locks a rate for 90-120 days. In Richmond Hill, where properties in sought-after neighbourhoods sell quickly, pre-approval is essential before making offers.

Yes. The Yonge Street corridor in Richmond Hill has several condo developments starting in the $500,000s. These are popular with first-time buyers who want to stay in York Region but cannot afford a detached home. Condos near the Yonge-Bernard KW GO station offer transit access to Toronto.