Peel Region mortgage team

Looking for a mortgage broker in Mississauga?

Craig Austin helps Mississauga families across every neighbourhood - Streetsville, Port Credit, Erin Mills, Churchill Meadows. We compare 50+ lenders, specialize in physician financing for Trillium and Credit Valley doctors, and charge you nothing. Real answers from a local team.

Book a Call with CraigGet Started
170+ five-star Google reviews across the GTA, Halton, and Hamilton

50+

Lenders compared

5.0

Star rating

$0

Broker fee

Level 2

Licensed agent

The Mississauga housing market

Mississauga is Canada's seventh-largest city and one of Ontario's most diverse housing markets. Detached homes in Port Credit, Lorne Park, and Mineola regularly exceed $1.8M. Family neighbourhoods in Erin Mills, Meadowvale, and Churchill Meadows run $1.15M-$1.4M. Townhomes and semis across most areas range $850K-$1.1M. Condos along Burnhamthorpe, Mississauga Road, and Square One start in the mid-$500Ks. The city is shaped by proximity to Toronto, Pearson Airport, and major highways.

We also serve nearby

Why use a mortgage broker in Mississauga?

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 50+ lenders in a single application. The lender pays the broker, so there is no cost to you.

In Mississauga, where property values and mortgage amounts are significant, even a small rate difference translates to thousands of dollars in savings over a 5-year term. A broker also negotiates terms like prepayment privileges, portability, and penalty structures that matter when your life changes.

Craig Austin is a Level 2 Mortgage Agent operating under Tango Ontario (FSRA #13691), serving Mississauga and all of Peel Region. With access to every major lender in Canada and a specialty in physician and healthcare financing, Craig handles everything from first-time purchases to complex refinances and investment properties.

What we help with

Mortgage help in Mississauga

Every situation is different. Here is what we see most often.

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.

Physician Mortgages

Doctors, residents, and dentists qualify for specific programs that accept offer letters instead of T4s, ignore student debt, and often allow higher loan amounts. We know every lender in Canada that offers these programs.

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.

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.

Why homeowners work with us

Why Mississauga homeowners choose Craig Austin Mortgage Group

170+ five-star Google reviews across the GTA, Halton, and Hamilton. Real clients, real outcomes, real numbers.

50+

Canadian lenders compared in a single application

170+

Five-star Google reviews from real clients

$0

Broker fee — compensation comes from the lender, not you

Level 2

Licensed Mortgage Agent operating under Tango Ontario (FSRA #13691)

MD+

Physician mortgage specialty for doctors, residents, and healthcare pros

🎙

Host of The Mortgage Secrets Podcast on Spotify

What clients say

We had a fantastic experience working with Craig and his team. Incredibly helpful, supportive, and made sure we understood every step. Everything felt smooth and stress-free.

Tamara S., Google Review

Craig gave me honest expert advice about switching my mortgage on renewal for a better rate. His knowledge was impressive and I felt he had my best interests in mind. Highly recommend.

Anthony S., Google Review

Craig made the notoriously challenging process of understanding and securing a mortgage a breeze with his expert knowledge and his ability to explain difficult concepts throughout the home buying process.

Ryan K., Google Review

The process

How it works

Three steps. No paperwork surprises.

1

Book a free call

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

2

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.

3

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.

Common questions

Mortgage questions in Mississauga

If your question is not here, book a call - we answer everything.

A mortgage broker in Mississauga costs $0. Brokers are paid by the lender when your mortgage closes, not by you. The rate you get is the same or better than going directly to that lender.

The median detached home in Mississauga is approximately $1.3M in 2026, though this varies dramatically. Port Credit, Lorne Park, and Mineola exceed $1.8M. Erin Mills, Meadowvale, and Churchill Meadows run $1.15M-$1.4M. Townhomes range $850K-$1.1M. Condos start in the mid-$500Ks.

Yes. Physicians, residents, and dentists at Trillium Health Partners (Credit Valley and Mississauga Hospital) qualify for physician-specific programs. These accept signed contracts and offer letters instead of two years of T4s, ignore student loans in qualification, and often allow higher loan amounts with less down. Craig specializes in physician financing across the west GTA.

Not always. Detached homes under $1.5M can be purchased with less than 20% down using CMHC insurance. On a $1.3M Mississauga home, the minimum down is $105,000 (5% on first $500K, 10% on the $800K remainder). Homes $1.5M and above require 20% down and cannot be insured.

Yes. Self-employed mortgages require a different approach - some lenders accept business financials, others accept stated income with 10-20% down, and specialty lenders have flexible underwriting for newer businesses. A broker knows which lenders match your income structure. Craig works with Mississauga self-employed clients regularly.

Depends on your situation. 5-year fixed offers certainty and sits around 4.0-4.5% in spring 2026. Variable rates at 4.35% historically outperform fixed over a full term but come with payment volatility. Shorter 2-3 year terms make sense if you expect to move or refinance soon. Craig walks through the tradeoffs on every call based on your actual plans.

A broker gives you access to 50+ lenders including every major bank, plus monolines and credit unions the banks do not offer. You typically get better rates, more flexibility, and personalized advice without the sales pressure of a bank employee. Craig works with Mississauga clients daily from his Burlington base - most of the process is done remotely.

Pre-approval takes 1-2 business days. After an accepted offer, final approval typically comes in 5-10 business days. Close dates in Mississauga are usually 30-60 days from accepted offer. Craig handles the paperwork, chases the lender, and keeps everything on schedule.

Ready to talk?

Book a free call with Craig. No commitment, no sales pitch - just honest answers about your Mississauga mortgage.

Book a Call with Craig

Or email Craig at craig@wearemortgages.ca

Mortgage broker in nearby cities

OakvilleMiltonBurlington
Craig Austin is a Level 2 Mortgage Agent operating under Tango Ontario, FSRA brokerage #13691.
Quick actions:📊 Grade My Mortgage📍 Track My Mortgage📞 Book a Call
Get Started
CA
Craig Austin Mortgage Group
Online now
Hey! I'm here to help with any mortgage questions. Buying a home, refinancing, or coming up for renewal - ask me anything.
Powered by AI - Answers may not be exact
Got a mortgage question? Ask away