Full Service Ajax Mortgage Broker


Lawrence Kobescak

License # M09001790

Toll Free 888-414-8840

Email or Apply Online

Hi I’m Lawrence and welcome to Ontario Mortgage Superstore. I am a full service Ontario mortgage broker. Just a few of the services I offer as a mortgage broker are home, commercial, rental, second mortgage, private mortgage and home loans. Good credit, bad credit, either way, I will get you the lowest rate for your mortgage in Ajax. How can I beat the major banks and the well advertised Ajax mortgage brokers?


It’s simple, my overhead is embarrassingly low. I don’t have an army of staff on hand or sky scrapers to construct. Instead of spending millions of dollars on television and radio advertising, I rely on customer satisfaction to promote my service. How does my being so efficient help you? If you over pay by even a quarter of a percent on a $200,000 mortgage, it will cost you an extra $12994! The average consumer has access to 6-8 lenders, the average Ajax mortgage broker has access to 40, I have access to over 100 highly competitive lenders. Whatever your mortgage need, I will make the entire process easy.


My service is free for most of my customers, the lender will pay my fee. There is never any pressure and no obligation. Why don’t you fill out an application or give me a call today. What have you go to lose? Make the call today and you WILL get the lowest Ajax mortgage rates.


Maximum Mortgage Loans

Residential Max LTV Commercial Max LTV
Home Mortgage 100% Storefront 80%
Rental Mortgage 95% Rental Mortgage 85%
Second Mortgage 95% Office Building 75%
Home Refinancing 95% Commercial Plaza 75%
Private Mortgage 95% Industrial Space 75%
Home Loan 90% Farm Financing 50%
Vacant Lot 75% Acreage 50%

Why Use An Ajax Mortgage Broker?


  1. SAVINGS – An Ajax mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best mortgage rate possible.
  2. CONVENIENCE – Obtaining a mortgage through me is quick, easy and convenient. I have the flexibility to work around your schedule. When using a mortgage broker, most of the work can often take place with just a phone call or through email.
  3. STRESS FREE – There is no need to negotiate. I will give you the lowest rate EVERY TIME.
  4. COST – My service is free of charge to most consumers. Charges may apply when the borrower has very poor credit or has an extremely high debt to equity ratio. A simple rule of thumb would be if every bank and credit union in Canada turns you down, there may be a fee.
  5. ECONOMY OF SCALE – When dealing with a bank, a mortgage broker will often be able to get a much lower rate than the lowest rate offered to the consumer.
  6. ETHICS AND INTEGRITY – As an Ajax mortgage broker I am licensed by the Financial Services Commission of Ontario (FSCO.GOV.ON.CA) and a member of the Canadian Association Of Accredited Mortgage Professionals (CAAMP.ORG), the lending officer at your bank is not. My license and membership can be confirmed at the links below.


    View my FSCO license here

    View my CAAMP membership here

  7. NO CONFLICT OF INTEREST – As an Ajax mortgage broker I provide a service. The service I offer is to find you the lender with the lowest interest rate, to provide you with flexible mortgage options and to provide unbiased answers to your questions. The mortgage officer at your bank is there to sell you their employer’s product.

Ajax-logo


About Ajax


The Town of Ajax is named after a war ship, the ‘H.M.S. Ajax’. During the early days of the Second World War, in December of 1939, the H.M.S. Ajax, together with the H.M.S. Achilles and the H.M.S. Exeter, won an important naval victory in the famous Battle of the River Plate.


Ajax grew into a community during the Second World War as a result of the war-related munitions plant, Defence Industries Limited, being built in the area, south of what is now Highway 401. The plant and its associated facilities were significant in size and the rapid influx of plant employees quickly led to the establishment of a community. By the time the War ended, a settlement had emerged. The residents of this new community needed a name for their new town, and a contest was held for that purpose. The name ‘Ajax’ was chosen in recognition of the heroic actions of the H.M.S. Ajax at the Battle of the River Plate. Today, most of the Town’s streets have been named after the ship’s veterans.


The Town experienced rapid expansion in the 1980’s and again in the late 1990’s. Today, ‘Ajax by the Lake’ is a diverse, vibrant, growing community within the Greater Toronto Area. The Town respects and values human diversity, and acknowledges the social, cultural and economic contributions of all groups. As of 2006 the population stood at 93,104.


Ajax Property Taxes


For the most up to date property rates, please visit the Town of Ajax property tax webpage.


Expansion


Click the link for the most recent version of the Town Of Ajax Official Plan.


Ajax Waterfront


Ajax has an extensive public waterfront. A list of waterfront trails and parks can be obtained from the Town Of Ajax.


History


Before the Second World War, the territory in which Ajax is situated was a rural part of the township of Pickering. The town itself was first established in 1941 when a Defence Industries Limited (D.I.L.) shell plant was constructed and a townsite grew around the plant. By 1945 the plant had filled 40 million shells; employed over 9,000 people at peak production; boasted of its own water and sewage treatment plants; a school population of over 600; 50 km (31 mi) of railroad and 50 km (31 mi) of roads. The entire D.I.L. plant site included some 12 km2 (5 sq mi). People came from all over Canada to work at D.I.L.


The burgeoning community received its name in honour of the first significant British naval victory of the war. From December 13 to December 19, 1939, a flotilla of British warships – HMS Ajax, HMS Exeter and HMS Achilles — commanded by Commodore Henry Harwood — engaged and routed the powerful German pocket battleship Admiral Graf Spee at the Battle of the River Plate, near the Uruguayan port of Montevideo in South America. Ajax was chosen as the name of this war-born community.


After the war, the University of Toronto leased much of the D.I.L. plant to house the flood of newly discharged soldiers who had enrolled as engineering students. War machines were moved out and the buildings were converted to classrooms and laboratories. By 1949, the last year of the University of Toronto, Ajax Division, some 7,000 engineering students had received their basic training there.


Following the departure of the University of Toronto, the town’s growth was largely due to the vision of George W. Finley of Central Mortgage and Housing Corporation, and Ajax became a planned modern community using the wartime base for its post-war foundation.


From 1941 to 1950, Ajax had no local municipal government of its own. In 1950, as a result of a petition, the community became the Corporation of the Improvement District of Ajax with three trustees appointed by the Lieutenant-Governor in Council. By 1953, the desire for full and active participation by its citizens in an elected council and school board was strong. The Ajax Citizens’ Association, formed by many civic-minded persons, presented a brief to the Ontario Municipal Board urging that the Improvement District of Ajax become the Corporation of the Town of Ajax. The Municipal Board approved this step, and on December 13, 1954, the people elected the first Town Council and the first Public School Board.


On June 22, 1973, the Ontario Legislature enacted Bill 162 to amalgamate the Town of Ajax and the Village of Pickering and annex certain portions of the Township of Pickering to the Town of Ajax, as part of the creation of the new Durham Region. The Region and Town both officially came into being on January 1, 1974.





Call Me For Your Ajax Mortgage Broker Needs


If you are currently looking for a mortgage in Ajax it has never been a better time to get financing from a Ajax mortgage broker. Canadian mortgage rates are at an all time low and the housing market has proven over the last 12 months how resilient our market is. I am very confident that with Ontario’s transit expansion plans coupled with Canada’s stance on immigration that the province will see a nice surge in housing prices over the next 10-15 years.


Home Purchase/ Mortgage Refinancing


If you are looking at buying a new home or looking to refinance your current home, call me today. We will find you the lowest mortgage rate for your home purchase or refinance.


First Time Home Buyers


The prospects are especially bright if you are a first time home buyer. If you are a first time home buyer give me, your Ajax mortgage broker a call today. I can help you understand the many opportunities currently available for first time home buyers. Check out our mortgage calculator on the side bar, this will help you figure our how much you can afford. We can help first time home buyers save with the lowest mortgage rates.


Commercial Financing

If you are a commercial property owner in need of a Ajax mortgage broker, call today. I have many Ontario commercial mortgage lenders who can help no matter what or where your property is located. If you are looking for a commercial mortgage broker with the lowest rates, call today.


Rental Properties


I can help real estate investors local or abroad in need of a rental mortgage. Whether you are a first time rental property owner or purchasing your eighth property we can help you.


Private Mortgage Lenders


Are you in need of a private mortgage from an Ajax mortgage broker? Trillium mortgage is a leader in offering private mortgages and has access to an established and well reputable network of private lenders. We can offer the lowest mortgage rates on your private mortgage.


Second Mortgage / Home Loans / Debt Consolidation Loan


We offer second mortgage, home loans and debt consolidation loans. Bad credit histories are our specialty. Even if you are being foreclosed, are in power of sale or have recently gone bankrupt, we can help you. We offer the lowest interest rates on your second mortgage, home loans and debt consolidation loan needs.


Vacation Home / Cottage / Second Home


Are you looking a buying a vacation home, second home or a cottage? Call a Ajax mortgage broker who can find you the lowest interest rate for your dream getaway.


No matter what your situation is, I can help. I will help every person get the mortgage they need. Give me a call today for your Ajax mortgage broker needs.