Top Oakville Mortgage Brokers
Unlock home financing that fits your life, not the bank’s checklist.
Get Pre-Approved TodayNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Your Trusted Oakville Mortgage Brokers
Serving Oakville, Burlington, Mississauga, Milton & All of Ontario
Signature Mortgage Group Inc., your Oakville Mortgage Team, is a leading mortgage brokerage firm serving Oakville, Burlington and Milton, offering seamless solutions to all your mortgage needs. Whether you want to buy a new home, set up a business or even refinance an existing loan or mortgage, we offer you the perfect solution to cater to your specific requirement.
Customer Oriented Services
At Signature Mortgage Group, we put our customers first and strive to serve them better. Our ever-increasing clientele is a clear indication of our commitment and focus to serve them better. We help our customers pick the right mortgage solutions according to their need, and then personalize them to suit their individual requirements—whether you're a first-time buyer, have bruised credit, or are exploring reverse mortgages.
Highly Qualified and Experienced Mortgage Staff
Our team comprises some of the most dynamic and experienced personnel from the mortgage industry. We will provide all the necessary advice and guidance that you might require for your mortgage renewal, home equity loan, or any other related procedure. We constantly work towards offering you the best solution in the most cost-effective manner.
Efficiency Through Flexibility
The mortgage industry is extremely dynamic and volatile. Rates may change drastically in a matter of hours. We are quick to detect such changes and keep our customers well informed and updated at all times. Our processes and systems are flexible and easily adapt to such fluctuations so that the customer is never at a loss.
Industry Leading Products and Services
We offer a wide array of products, tools and services that are designed specifically keeping the mortgage industry in mind. Our online tools and calculators take care of all the numbers and calculations involved, quickly and accurately.
At Signature Mortgage Group, we respect the privacy of our clients and we are committed to keeping your personal information accurate, confidential, secure and private.
Why Choose Our Oakville Mortgage Team?
- 24‑hour pre‑approvals so you can bid with confidence
- 98% of past clients would recommend us to family and friends
- Access to 30+ plus lenders, including major banks, credit unions and private funds
- Local expertise with over 1000 Oakville mortgages funded since 2010
Case Study: Family of Four Finds Breathing Room in Glen Abbey
When the Li family's bank capped them at $900,000, they feared losing their dream semi near Abbey Park High School. Our broker compared three alternative lenders, negotiated a blended rate 35 basis points below posted, and structured a 30‑year amortization with pre‑payment privileges. Monthly payments fell by $342, leaving cash for the kids' activities. They moved in June 2025, just two weeks before the Bank of Canada held the overnight rate at 2.75%.
Smart Mortgages for Oakville's Competitive Market
Home prices in Oakville averaged $1.46 million in May 2025, down 9.1% year over year, yet still among the highest in Ontario. With the province‑wide delinquency rate at just 0.22%, lenders remain choosy. Our team translates tough guidelines into stress‑free approvals, whether you are upsizing in River Oaks, refinancing a Lakeshore condo, or purchasing a Bronte rental property.
Did You Know?
A 0.25% rate difference on a $750,000 mortgage saves roughly $9800 in interest over five years. Skipping one coffee a day would not come close.
Oakville & Ontario Mortgage Stats
- Average Oakville sale price: $1.46M (May 2025, Oakville Milton District Real Estate Board)
- Bank of Canada overnight rate: 2.75% (June 4 2025)
- Ontario mortgage delinquency rate: 0.22% (Q4 2024, Equifax via CMHC)
- Typical debt‑to‑income ratio lenders accept: 44% (2025)
Our 5‑Step Process
- Discovery Call – capture goals and documents within 20minutes
- SmartMatch Search – compare 5 to 10 lenders on rate, penalty, flexibility
- Pre‑Approval & Budget – written pre‑approval within 24hours
- Offer & Funding – coordinate with realtor, lawyer, and insurer
- Lifetime Support – annual mortgage check‑ups and early renewal alerts
Top Mortgage Questions in Oakville, Ontario Answered
How much down payment do I need for an average‑priced Oakville home?
As of July2025, the average Oakville sale price sits around $1.47million. Using Canada’s minimum‑down‑payment rules (5% on the first$500k and 10% on the remainder), you’d need about $122k up‑front: $25k+$97k.
What household income qualifies for that mortgage under today’s stress test?
Rate‑hub’s affordability math shows you need roughly $320000+/‑ in combined annual income (with minimal other debts) to purchase a $1.47M property when you’re stress‑tested at the contract rate+2% (currently about 5.84%).
How does the mortgage stress test limit my buying power in Oakville?
Lenders must qualify you on the higher of 5.25% or your actual rate+2%. With rates in the high‑3% range, most Oakville buyers are tested near 5.8%, trimming borrowing capacity by roughly 15–20% versus headline rates.
Which first‑time buyer incentives still apply in 2025?
•FHSA: save up to $8000 per year (lifetime $40000) tax‑deductible, then withdraw tax‑free for your down payment.
&Bull;Ontario LTT rebate: up to $4000 back on land‑transfer tax.
&Bull;GST/HST New‑Home Rebate: federal refund up to $50000 on new builds.
*Note*: CMHC’s First‑Time Home Buyer Incentive stopped accepting applications in March2024.
Do Oakville buyers pay Toronto’s extra land‑transfer tax?
No. Oakville homeowners pay only the provincial land‑transfer tax. Toronto’s municipal LTT applies strictly within city limits, saving Halton purchasers thousands at closing.
I’m self‑employed — can I still get an insured mortgage?
Yes. CMHC’s Self‑Employed program accepts stated‑income files with flexible documentation, provided you’ve been in business at least two years and meet standard debt ratios. Local brokers regularly pair Oakville entrepreneurs with these lenders.
Should I choose a fixed or variable rate right now?
After seven BoC rate cuts in 2024‑25, variables sit just above fixed deals. If you expect further easing, a variable could win long‑term; if stability matters more, locking the sub‑4% five‑year fixed is popular with Oakville buyers. A broker can model both scenarios.
How long does approval take and what paperwork will I need?
Online pre‑approvals can be issued in under an hour, but full lender approval usually needs 4‑7 business days once an offer is firm. Have ID, recent pay stubs or tax returns, bank statements, and details on any debts ready to avoid delays.
Can I port my mortgage if I move to a bigger home within Oakville?
Most major lenders, including RBC, allow you to “port” your existing rate and term to a new Oakville property if you buy and sell simultaneously. You may top‑up the loan, but new funds will be priced at current rates. Always confirm portability before listing.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100percent accurate information.
Have a question we didn’t cover? Let’s chat — local advice can save you thousands at closing.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!
