Full Service Brampton 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 Brampton. How can I beat the major banks and the well advertised Brampton 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 Brampton 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 Brampton 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 a Brampton mortgage broker?


  1. SAVINGS – A Brampton 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 a Brampton 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 a Brampton 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.

Brampton-logo


About Brampton


Brampton is located in Southern Ontario and is the third-largest city in the Greater Toronto Area of Ontario, Canada and the seat of Peel Region. As of the 2006 census, Brampton’s population stood at 433,806, making it the 11th largest city in Canada. Brampton’s population is expected to reach about 600,000 by 2030. It is also one of Canada’s fastest growing municipalities with an average annual growth rate (2001–2006) of 6.6%. With a median age at 33.7 it is also the youngest community in the GTA. Brampton celebrated its sesquicentennial anniversary in 2003, marking 150 years since its incorporation as a village in 1853, taking its name from the rural town of Brampton, Cumbria, England. Visible minorities combined now form a large portion of the population.


Brampton was once known as The Flowertown of Canada, a title it earned due to the city’s large greenhouse industry, which included Dale’s Flowers, a company that won many international rose awards for nearly half a century. Today, its major economic sectors include Advanced Manufacturing, Retail Administration and Logistics, ICT, Food and Beverage, Life Sciences and Business Services. National headquarters of companies such as Loblaw Companies, HBC/Zellers, Bacardi, Brita and Clorox are located within the city.


The city is home to Canadian Forces Army Reserve unit The Lorne Scots (Peel, Dufferin and Halton Regiment).



Neighbouring Bramalea


Created as an innovative “new town”, Bramalea was developed as a separate community, approximately 40 kilometres northwest of Toronto.


Located in the former Chinguacousy Township, it was Canada’s first satellite community developed by one of the country’s largest real estate developers, Bramalea Limited, formerly known as Brampton Leasing. The name “Bramalea” was created by the farmer William Sheard, who integrated the BRAM from Brampton, MAL from Malton (a neighbouring region), and the LEA, an old British word meaning meadow or grassland. He sold the land to Brampton Leasing developers and built one of Bramalea’s first houses on Dixie Road across from the former headquarters of Nortel.



Education


Brampton’s only public higher education institution is Sheridan College, which also has a campus in Oakville. Founded in 1967, it is known for its animation and illustration courses, music theatre performance program, and craft and design program. Sheridan has the second largest school of Art and Design in North America.


Public schools are managed by the Peel District School Board. Local high schools include Cardinal Leger, Bramalea, Brampton Centennial, Central Peel, Chinguacousy, Fletcher’s Meadow, Harold M. Brathwaite, Heart Lake, Holy Name of Mary, North Park, North Peel, Notre Dame, Sandalwood Heights, St. Augustine, St. Edmund Campion, St. Marguerite d’Youville, St. Thomas Aquinas, and Turner Fenton (Canada’s only campus-based high school).


Transportation


Public transit network


Local transit is provided by Brampton Transit, with connections to other systems such as Mississauga Transit, York Region Transit, and Toronto Transit Commission. Brampton is currently planning a new Bus Rapid Transit system, called Acceleride along Main/Hurontario and Queen Streets, which would form the backbone to its bus network. Acceleride received funding from the provincial government in 2006 to begin implementation of this system. The fare is $3.00 for single adult transfer which is valid for 2 hours. There is GO Bus service to York University and subway stations at Yorkdale Mall and York Mills in Toronto.


Railways


Both Canadian National Railways and the Orangeville-Brampton Railway short line (formerly part of the Canadian Pacific Railway line) run through the city, CN’s Intermodal Yards are located east of Airport Road between Steeles and the former Highway 7/Queen Street East. The CN Track from Toronto’s Union Station, is the Georgetown GO Transit Rail Corridor providing commuter rail and bus services to and from Toronto with rail station stops at Bramalea, Downtown Brampton, and Mount Pleasant. VIA Rail connects through Brampton as part of the Quebec City-Windsor Corridor.


Airports


Canada’s busiest airport, Toronto Pearson International Airport (CYYZ), is located near Brampton, in Mississauga. For general aviation the city is served by the privately-owned Brampton Airport (CNC3), located to the north of the city in neighbouring Caledon.


Road network


Brampton is served by several major transportation routes: Highway 401 from Toronto is a short distance south in Mississauga, and can be reached by Highway 410, which runs north-south through the middle of the city. Highway 407 runs along the southern portion of the city, just north of the boundary with Mississauga. Steeles Avenue, which runs north of the 407, is another thoroughfare from Toronto. The former Highway 7 (now Regional Road 107 in Brampton) is another east-west corridor, (actually two, as it incorporates the eastern part of Queen Street and the western part of Bovaird Drive.


Brampton Initiatives and Planning


Click the link to see the most recent Brampton City Initiatives.



Brampton Property Taxes


Click the link to view the most recent property tax rates for Brampton.




Call Me For Your Brampton Mortgage Broker Needs


If you are currently looking for a mortgage in Brampton it has never been a better time to get financing from a Brampton 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 Brampton 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 Brampton 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 a Brampton 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 Brampton 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 Brampton mortgage broker needs.