The best mortgage rates in Markham?
Stop letting big banks dictate your terms. I shop 50+ lenders across Ontario to secure the lowest rates and best terms for your unique financial situation.
Perfection
Meticulous handling of every document — zero errors, full confidence.
Within Time
Your mortgage delivered on schedule, every single time.
Stress Free
I take care of every detail so you can focus on your future.
Financing
Solutions tailored to help you achieve your financial goals.
How It Works
Our Simple 4-Step Process
A clear path from first chat to approval — no surprises.
Conversation
We start with a free, no-pressure chat to understand your goals and situation.
Documents
I'll guide you through a simple checklist — no jargon, no surprises.
Application
I shop 50+ lenders to find the best rate and terms for your file.
Quick Approval
Approval delivered on time, with clear next steps to closing.
Meet Your Agent
Nandan Bajani — guiding you home.
With deep expertise and a client-first philosophy, I help homeowners and investors make informed mortgage decisions. Whether you're buying your first home, refinancing, or renewing — I'll walk every step with you.
Ready to unlock the door to your dream home?
Get a free, no-obligation consultation today.
Testimonials
Trusted by families across Ontario
"Nandan made our first home purchase incredibly smooth. He explained everything and got us a great rate."
— Priya & Raj
"Refinanced with Nandan and saved over $400/month. Professional, transparent, and always available."
— Michael C.
"Highly recommend. He fights for his clients and treats every file like it's his own home."
— Anita S.
The Difference
Big Bank vs. Bajani Mortgage
Rates shown are illustrative. The real edge is who's negotiating for you — and how many lenders are competing for your file.
| Feature | Typical Big Bank | Bajani Mortgage |
|---|---|---|
| 5-Year Fixed Rate | 5.69% | 4.79% |
| Lenders Shopped | 1 | 50+ |
| Negotiation On Your Behalf | ||
| Penalty Calculation (IRD) | Posted Rate (High) | Discounted Rate (Low) |
| Pre-Payment Flexibility | 10–15% | Up to 20% |
| Broker Fee (Standard Mortgage) | — | $0 to You |
| Access to Alternative & Private Lenders |
5-Year Fixed Rate
Big Bank
5.69%Bajani
4.79%Lenders Shopped
Big Bank
1Bajani
50+Negotiation On Your Behalf
Big Bank
Bajani
Penalty Calculation (IRD)
Big Bank
Posted Rate (High)Bajani
Discounted Rate (Low)Pre-Payment Flexibility
Big Bank
10–15%Bajani
Up to 20%Broker Fee (Standard Mortgage)
Big Bank
—Bajani
$0 to YouAccess to Alternative & Private Lenders
Big Bank
Bajani
*Rates are for illustration only and change daily. Your actual rate depends on credit, down payment, property type, and lender of choice.
Plan Your Purchase
Calculate Your Ontario Mortgage Payments & Land Transfer Tax
Estimate your monthly mortgage payment and Ontario land transfer tax in seconds — for the GTA, KWC, Hamilton, London and Windsor.
Your Numbers
700000
140000
4.79
25
Peel Region — Provincial LTT only. No municipal LTT.
Estimates only. Not an offer of credit. Contact me for an exact quote.
Ontario Land Transfer Tax — What You Need to Know
When you buy a home anywhere in Ontario — including the GTA, London, Kitchener-Waterloo, Cambridge, Hamilton, and Windsor — you pay a one-time provincial Land Transfer Tax (LTT) on closing. If the property is inside the City of Toronto, you pay an additional Municipal LTT of roughly the same amount, effectively doubling the tax.
Provincial LTT Brackets
- Up to $55,0000.5%
- $55,001 – $250,0001.0%
- $250,001 – $400,0001.5%
- $400,001 – $2,000,0002.0%
- Over $2,000,000 (residential)2.5%
First-Time Buyer Rebates
- Ontario rebate: up to $4,000 — wipes out LTT on homes up to ~$368,000.
- Toronto rebate: up to an additional $4,475 for properties inside the City of Toronto.
- To qualify you must be 18+, a Canadian citizen or permanent resident, and have never owned a home anywhere in the world.
- Regions outside Toronto — Mississauga, Brampton, London, Kitchener-Waterloo, Hamilton, Windsor, Niagara — pay only the provincial LTT.
Real Solutions
See Our 4-Step Process in Action
Eight real Ontario mortgage scenarios — each with its own dedicated playbook page. Tap any card to see the full breakdown.
The First-Time Home Buyer
Young couple in Kitchener-Waterloo-Cambridge (KWC), saving hard but struggling with debt ratios
Bank rejected them due to student loans and a high debt-to-income ratio — they were losing hope.
✨ Approved at a better rate than expected.
Read playbookThe Refinancing Client
Homeowner in Hamilton, drowning in $45K high-interest card debt and auto loans
Monthly bills eating them alive, but great home equity. Confused about refinancing options.
✨ Monthly cash flow savings: $600+.
Read playbookThe Switch / Renewal Client
Homeowner in Mississauga (GTA). 5-year fixed mortgage renewing in 120 days
Current bank sent a renewal notice with a significantly higher rate, expecting them to sign blindly.
✨ Saved $8,000+ over the next 5 years.
Read playbookThe Bad Credit / Recovery Client
Self-employed individual in London, ON recovering from past business cash flow gaps
Credit score dropped to 580 after a tough year. Mainstream banks automatically rejected their 20% down application.
✨ Home secured successfully.
Read playbookThe Reverse Mortgage Client
Retired couple in Niagara living on a fixed pension, needing income for home updates
House-rich but cash-poor. They refused to sell their beloved home but needed monthly cash flow stability.
✨ Tax-free funds unlocked with zero monthly bills.
Read playbookThe Countryside / Rural Property
Buyer purchasing a countryside home on a 5-acre lot outside of Windsor
City banks panicked over well/septic zoning, calling it a hobby farm and quoting sky-high interest premiums.
✨ Countryside retreat closed smoothly at a standard residential prime rate.
Read playbookThe Fixed vs. Variable Dilemma
Family purchasing an upscale home in Burlington (Hamilton Region)
Torn between fixed predictability and variable savings. Bank noise causing total financial paralysis.
✨ Closed with absolute structural clarity, riding market rate drops down safely.
Read playbookCapitalizing on Falling Rates
Tech professional relocating to Mississauga (GTA), tracking central bank cuts
Bank pushing rigid 5-year fixed products, but client wanted an aggressive path to capitalize on rate drops.
✨ Mortgage closed at Prime minus 0.
Read playbookFAQ
Real Ontario mortgage questions, honestly answered.
Don't see your question? Reach out — there's no such thing as a silly mortgage question.