Expert guidance and tailored solutions for homebuyers, renewals, construction and refinancing. Access 50+ lenders and competitive rates across Canada.
Josh@JoshGray.ca
(613)614-7876
Choose from 50+ lenders to find the right mortgage, whether you’re buying your first home or moving up.
Review refinancing solutions to lower payments, consolidate debt, or access equity with expert guidance.
We’re with you every step of the way, offering personalized advice and help from your application to closing—and even after.
Access the most competitive rates and flexible terms to match your financial goals and lifestyle.
Get the funding you need for new builds or big renovations, with solutions that keep your project moving forward smoothly.
We'll keep things simple and give you honest advice on your mortgage renewal, making sure it still works for you. No hassle, no games—just the best options laid out. Plus, we'll show you what your current lender can offer, so you can make the right call.
What our clients say
Hear from real clients about their experience working with our team. We’re committed to providing clear guidance, competitive rates, and support at every step of your mortgage journey.
"Josh and his assistant are wonderful. They helped us get a mortgage in a difficult situation (my husband and I had just moved back to Canada after many years away). It wasn't an easy case but they made it work and we've since bought another house and used them again, their services wonderful again. Highly recommend, especially if you have a unique situation"
"I've had Josh and his assistant as my broker team for several years now. They are very professional and knowledgeable, making the process of mortgage negotiation and renewal quite painless. I would recommend them without hesitation."
Get clear, expert advice on home financing, renewals, refinancing, and construction loans. Find practical guidance for every step of your mortgage process.
Explore tailored solutions for first-time buyers, renewals, and refinancing. Get expert guidance every step.
Compare top lender offers and secure a renewal that works for your goals.
Access funds for renovations, debt consolidation, or investment with flexible refinancing.
Build your dream home with flexible mortgage options for new construction projects.
Specialized mortgage products designed for business owners and entrepreneurs.
Grow your portfolio with competitive rates for rental and investment properties.
Get pre-approved quickly to shop with confidence and a clear budget.
See current rates from 50+ lenders to find the most competitive options.
Receive expert, unbiased support tailored to your unique financial situation.
Get clear, practical answers to common mortgage questions. Learn what to expect at every step, from application to approval.
You’ll need proof of income, ID, and recent bank statements to confirm your down payment. Requirements may vary by lender and mortgage type.
Yes, you can get financing for both new construction and home renovations. There are several options available, including specialized construction loans and renovation financing products. The process may require additional documentation, such as detailed project plans and contractor estimates. I offer specialized plans, checklists, and guidance to ensure you navigate the process smoothly and find the best financing solution for your project.
Getting pre-approved is a crucial first step in the homebuying process. It gives you a clear idea of how much you can borrow and shows sellers you're serious. The process involves providing some basic financial details, like your income, debts, and credit score. With a pre-approval, you can shop for homes with confidence, knowing your budget and terms are set. Plus, I’ll guide you through the entire process to ensure everything goes smoothly.
In Canada, the minimum down payment is 5% for homes up to $500,000. For homes over $500,000, the down payment is 5% on the first $500,000, and 10% on the portion above that.
Yes, there are plenty of ways to qualify, whether you're running a new business or have an established one, sole proprietorship or incorporated. We can use various methods like bank statements, tax returns, business financials, and more to help you qualify.
Yes, you can transfer (or ‘port’) your mortgage to a new home, but not all lenders handle it the same way. Just because your lender offers porting doesn’t mean they do it well. Even if you already have a mortgage and are looking at porting, I’ll weigh the pros and cons to see if it's the best option for you. With my deep understanding of various lenders' policies, I can help you navigate the process and ensure you’re getting the best deal—whether you’re porting or exploring other options.
Your dream home starts here.
Get expert advice on securing the right mortgage for your first home or your next purchase. We'll guide you through the process and help you access the best rates available.
Features
Access to 50+ lenders
Personalized mortgage guidance
Guidance through every step of the home-buying journey
Fast and easy application process
Access better rates today.
Refinancing can help you lower your payments or access cash for major projects. We’ll explore your options to make sure you’re getting the best deal possible.
Features
Lower your monthly payments with better rates
Tap into your home’s equity for renovations or other expenses
Expert advice on consolidating debt
Simplify your mortgage renewal.
When it’s time to renew, we’ll help you review your options and make sure your mortgage fits your current needs—without the stress of last-minute negotiations.
Features
Compare renewal offers from multiple lenders
Ensure you’re getting the best rate for your next term
Hassle-free renewal process with no surprises
Personalized guidance to avoid last-minute pressure
Finance your home build with ease.
Whether you’re building from the ground up or renovating, we offer specialized financing to keep your project on track. We’ll guide you through the process with tailored solutions.
Features
Portfolio management
Specialized mortgage options for building or renovating
Access to progress draw financing for large projects
Flexibility with project changes or delays
Fast and simple approval process tailored for builders
We’re here to answer your questions and get you started. Reach out today!
