Jaspreet Dhugga – Mortgage Broker Brampton, GTA And Ontario

MORTGAGE BROKER BRAMPTON, GTA & ONTARIO

Find The Mortgage Financing That Works For You!

Our mortgage office have been proudly servicing Toronto, Brampton, Mississauga and the Greater Toronto Area residents with mortgage solutions since 2012. Our goal is to educate you, work with you to remove road blocks to help you reach your financing goals. Our dedicated team of mortgage brokers and agents in the Greater Toronto Area are here to help you 7 days a week. We provide unbiased professional mortgage advice and work very hard to explore all your financing options. We have access to over 100 trusted lenders in Greater Toronto Area to help you get the best rate. We work to build solutions for our clients that fulfill today’s mortgage needs and tomorrow’s dreams. We accomplish this as your trusted partner delivering long-term value to our clients. We know the mortgage market very well in the GTA to help you. Trusted GTA and Toronto area Mortgage Services. First Time Home Buyers, Refinancing, Home Equity Loans, Second Mortgages and more. Contact us to get pre-approved today .

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Dhugga Mortgages – Brampton Mortgage Broker
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Refinance Mortgages – Jaspreet Dhugga

Our Mortgage Solutions Lending Advantage!

Fast

Lending approvals

Low Rates

Great pricing and
industry low fees

98%

Would recommend us

Easy Repayment

3 months - 2 years

Latest Lending Rates

Current Rates November 2024

Contact us today to receive current rates and a complimentary in-depth quote and overview of current market conditions affecting your local mortgage market.

NOTE: Rates are subject to change without notice

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Prime Rate

6.95%

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Variable Rate

6.05%

Bank Rates Term Our Rates
6.59 %
6 Months
6.25 %
6.09 %
Fixed 1 Year
6.14 %
5.79 %
Fixed 2 Years
6.09 %
5.79 %
Fixed 3 Years
5.64 %
6.09 %
Fixed 4 Years
5.49 %
6.34 %
Fixed 5 Years
5.09 %
6.60 %
Fixed 7 Years
5.84 %
6.85 %
Fixed 10 Years
6.00 %

Fast Mortgage Approval. Listen To Our Radio Ads On 680 News

What's Next? Contact Us

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Get in Touch

First time buyer or refinancing? Call for a free quote!

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Apply Now

We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

Contact Us For A Free Consultation

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DHUGGA MORTGAGES

We Are Here To Help You

  • Self-Employed

    Get a low rate, save on interest and get help from our Mortgage team

  • New To Canada

    Secure the best rates buying a Home as a Newcomer to Canada

  • Investment Properties

    Build your long term wealth with Real Estate. Find the right mortgage for you.

  • Debt Consolidation

    Specialized lending options for homeowners. Access over 500 lenders.

  • Home Renovations

    Contact us to learn more about home renovation financing options

  • Private Mortgages

    Private Mortgage at Low Rates - All credit scores accepted

Our Mortgage Solutions Lending Advantage!

Fast

Lending approvals

Low Rates

Great pricing and
industry low fees

98%

Would recommend us

Easy Repayment

3 months - 2 years

WHY CHOOSE US

Benefits and Advantages of Working with your Mortgage Company

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Such as Expertise

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Experience

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Personalized Customer Service

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We will get you funding. It’s that simple. Regardless of credit, income, or time in business – we fund you.

What Our Client Say

PAST MORTGAGE CLIENTS TESTIMONIALS

Another successful mortgage application with MR Jaspreet Dhugga . You are the best mortgage broker I have ever dealt withThank you Jaspreet..
Response from the owner: Thank you for the positive feedback, Waleed! This is great to hear.
Great customer service. Best rate for private 2nd mortgage.I will refer more customers to Jaspreet Dhugga.
Response from the owner: Thanks so much for the 5 golden stars Tony!
I bought my first house and Mr. Jaspreet helped me to get best rate available in the market. He is the best mortgage broker. He is very professional and honest mortgage broker . Looking forward to working with him again.
Response from the owner: Thank you so much Balpreet for leaving such a warm review! I am happy that you found me to be very professional and honest. It was an absolute pleasure working with you. I look forward to working with you again as well!
Response from the owner: Hello Sahil,Thanks for leaving your feedback about my services. Call or email me anytime!
Response from the owner: Thanks for leaving me a solid 5 star review Simran!
Jaspreet is the best I have met. He takes time to educate me and understand my situation which was very important to me. Go with him and you won’t regret.
Response from the owner: Thanks for taking time to leave a review about my service. I am truly grateful for you recommending my service to others! It truly means so much to me. Reach out anytime!
Response from the owner: Thanks for the 5 golden stars! If I can be of service in the future please feel free to reach out!
Response from the owner: Thanks for the 5 star review Dennis!
Good guy to deal with , he went beyond our expectations with his services . Looking forward to working with him again . Thanks jaspreet .
Response from the owner: You are too kind Nicki! I look forward to working with you again as well! All the best!
Best guy to go to for your mortgage! Had a great experience with mr. dhugga. He explained everything just as a broker should . Thank you once again .
Response from the owner: I appreciate your kind words Harjot! You have been amazing to work with!
very knowledgeable with superior customer service fast and efficient it was a pleasure
Response from the owner: Thank you for your 5 star review Marlene! I am beyond happy to hear that you found my services to be both fast and efficient. It was an absolute pleasure assisting you. All the best!
Response from the owner: Thanks Davinder for your 5 star review!
I had a meeting with Mr. Jaspreet Dhugga recently regarding mortgages. He is very professional and offers exceptional service. I had an incredible experience during our meeting. Would highly recommend anyone looking for any mortgage related services or advice.
Response from the owner: Thank you so much Mohit for your 5 star review. I appreciate you taking time to leave your feedback and for referring my service and advice to others!
I would and will recommend Jaspreet to everyone that crosses my path who requires a mortgage. My experience with the mortgage centre was comforting and left me with the confidence and trust that every person seeking a mortgage needs, especially in these times!Thank you Jaspreet.
Response from the owner: Michael, thank you so much for the 5 star review! I am truly happy to hear that your experience with me was a 5 star experience! It has been a pleasure working for you. Please remember that I am always here to help!
Response from the owner: Thank you Sukhvinder for your 5 star review!
Jaspreet, has been incredibly helpful with obtaining a pre-approval and answering my numerous questions about mortgage options. He is very quick to respond, explains everything clearly, and provides very honest advice. I would highly recommend .
Response from the owner: Hello Amel,Thank you so very much for your 5 star review! I appreciate you taking time to share your feedback and for recommending my services to others that you know.
Response from the owner: Thanks for your 5 star review Kulvinder!
Great customer service and Jaspreet will get you the best mortgage advise 👍
Response from the owner: Thank you for your kind review Venkata!
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Homeownership Today​

Mortgage Financing FAQ

  • How much can I afford to pay for a home?

    To determine 'affordability' you will first need to know your taxable income along with the amount of any debt outstanding and the monthly payments. Assuming it is your principal residence you are purchasing, calculate 39% of your income for use toward a mortgage payment, property taxes, and heating costs. If applicable, half of the estimated monthly condominium maintenance fees will also be included in this calculation. Second, calculate 44% of your taxable income and deduct all of your monthly debt payments, including car loans, credit cards, lines of credit payments. The lesser of the first or second calculation will be used to help determine how much of your income may be used towards housing related payments, including your mortgage payment. These calculations are based on lenders' usual guidelines. In addition to considering what the ratios say you can afford, make sure you calculate how much you think you can afford. If the payment amount you are comfortable with is less than 39% of your income you may want to settle for the lower amount rather than stretch yourself financially. Make sure you don't leave yourself house poor. Structure your payments so that you can still afford simple luxuries.

  • What is a home inspection and should I have one done?

    A home inspection is a visual examination of the property to determine the overall condition of the home. In the process, the inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.). The results of the inspection should be provided to the purchaser in written form, in detail, generally within 24 hours of the inspection. A pre-purchase home inspection can add peace of mind and make a difficult decision much easier. It may indicate that the home needs major structural repairs which can be factored into your buying decision. A home inspection helps remove a number of unknowns and increases the likelihood of a successful purchase.

  • What is a conventional mortgage?

    A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, a loan to value of or less than 80%, and does not normally require mortgage loan insurance.

  • What is the minimum down payment needed for a home?

    A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable). Mortgages with less than 20% down must have mortgage loan insurance provided by either CMHC or GE.

  • What is mortgage loan insurance?

    Mortgage loan insurance is insurance provided by Canada Mortgage and Housing Corporation (CMHC), a crown corporation, and GE Capital Mortgage Insurance Company, an approved private corporation. This insurance is required by law to insure lenders against default on mortgages with a loan to value ratio greater than 80%. The insurance premiums, ranging from 0.60% to 4.5%, are paid by the borrower and can be added directly onto the mortgage amount. This is not the same as mortgage life insurance.

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