Looking for a mortgage broker in Oakville?

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Tell us about your situation - buying, renewing, refinancing, or just exploring your options in Oakville. 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 Oakville costs $0. Lenders pay brokers a finder's fee when your mortgage closes, and the rate you get is the same or better than going directly to that lender. There is no cost trade-off for using a broker anywhere in Ontario.

The median detached home in Oakville sits around $1.65M in 2026. Bronte, Eastlake, and Old Oakville regularly exceed $2M, while Rural Oakville West and Joshua Creek offer options in the $1.3M-$1.7M range. Townhomes in River Oaks and West Oak Trails run $950K-$1.2M. Condos downtown start in the high $600Ks.

Not always. Homes under $1.5M can be purchased with less than 20% down using CMHC insurance. Homes priced at $1.5M or above require 20% down. On a $1.4M Oakville home, the minimum down is $115,000 (5% on first $500K, 10% on the $900K remainder). On a $1.8M home, you would need $360,000 (20%).

Yes. Physicians at Oakville Trafalgar Memorial Hospital, Credit Valley, and Trillium Health Partners all qualify for physician-specific programs. These programs accept offer letters and signed contracts instead of two years of T4 income, ignore student debt in qualification calculations, and often allow higher loan amounts with less down payment. Craig specializes in physician mortgages across the Halton / Mississauga / Hamilton corridor.

Both have their place in spring 2026. Fixed rates offer certainty and sit around 4.0-4.5% for a 5-year term. Variable rates are currently around 4.35% (prime minus a discount) and historically outperform fixed over a full term, but come with payment volatility. Craig walks clients through the tradeoffs on every call - the right answer depends on your job security, cash flow, and risk tolerance, not on a one-size-fits-all recommendation.

It depends on your income, debts, and the property type. As a rough guide, a household earning $150K with minimal debt and 20% down can qualify for approximately $750K-$850K of mortgage on a standard property. Physician programs, guarantor scenarios, and rental income can push this significantly higher. A free pre-approval call with Craig gives you a real number based on your actual situation.

Ontario charges a provincial land transfer tax only (Oakville has no municipal tax unlike Toronto). On a $1.5M Oakville home, the provincial LTT is approximately $27,475. First-time buyers get a rebate of up to $4,000. Budget this as part of your closing costs.

A local broker works with every major bank AND 40+ additional lenders the banks do not offer. You get more choice, often better rates, and personalized advice without the pressure of a salaried bank employee whose job is to sell their own product. Craig and the team are based in the area, know the Oakville market, and work with clients across the GTA and Halton region daily.