Looking for a mortgage broker in Hamilton?

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

We shop 50+ lenders

We compare rates, terms, and qualification criteria across the entire Canadian mortgage 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. Craig stays available by phone, email, or podcast question throughout the process and beyond.

A mortgage broker in Hamilton costs $0. Brokers are paid by the lender when your mortgage closes. You get access to 50+ lenders and the same or better rates than going directly to a bank, at no cost to you.

The average Hamilton detached home price in 2026 is approximately $780K, but this varies widely by neighbourhood. West Hamilton near McMaster is $800K-$1.1M, east mountain is $650K-$850K, Stoney Creek newer builds run $750K-$950K, and condos in Corktown start in the low $400Ks. The city remains one of Ontario's more affordable major markets.

Yes. Physicians and residents working at McMaster Children's Hospital, St. Joseph's Healthcare, Juravinski, and Hamilton General qualify for physician-specific mortgage programs. These accept signed employment contracts and offer letters instead of two years of T4s, ignore student loans in qualification, and often allow higher loan amounts. Craig specializes in physician financing and knows every lender in Canada that offers these programs.

Yes. Any home under $1.5M in Canada can be purchased with less than 20% down if you use CMHC insurance. On a $780K Hamilton home, the minimum down payment is $53,000 (5% on first $500K, 10% on the $280K remainder). CMHC insurance is added to your mortgage. Homes $1.5M or higher require 20% down and cannot be insured.

It depends on your situation. For straightforward insured purchases, monoline lenders like MCAP, First National, and Strive often have the best rates. For self-employed or stated-income, you need lenders with flexible underwriting. For physicians, specific programs at Scotiabank, RBC, and National Bank offer the best terms. A broker shops all of these in a single application, so you see the actual best fit for your specific file.

This depends on your timeline and cash flow. If you plan to stay at least 5 years, buying usually beats renting once you factor in equity, appreciation, and the fact that rent in Hamilton has jumped significantly since 2021. Craig can run the numbers with you on a free call and show you exactly what buying looks like versus continuing to rent in your specific situation.

Budget 1.5% to 2% of the purchase price for closing costs. On an $800K Hamilton home that is $12,000-$16,000. This covers land transfer tax (Ontario only - no municipal tax in Hamilton unlike Toronto), legal fees, title insurance, home inspection, and the first property tax and utility adjustments. First-time buyers get a land transfer tax rebate up to $4,000.

A typical Hamilton purchase closes in 30-60 days from accepted offer. If you are pre-approved, the mortgage side can move quickly - most lenders issue final approval within 5-10 business days of receiving the signed purchase agreement and all supporting documents. Craig handles the paperwork, chases the lender, and keeps everything on schedule so you do not miss your closing date.