Local Listings

    Mortgage Broker Serving Southern Ontario

    Jay Shah, Mortgage Broker (Licence #M22002236) with Affinity Mortgage Solutions Inc. (FSRA #13093), arranges residential, commercial and business financing across Kitchener, Waterloo, Cambridge, Brampton, Mississauga, Toronto, Scarborough, Oakville and Vaughan.

    905-781-6661 jay@mortgagekraft.ca

    Cities we serve

    TorontoScarboroughBramptonMississaugaKitchenerWaterlooCambridgeOakvilleVaughan
    City of Toronto

    Mortgage Broker in Toronto, Ontario

    From downtown condos to semi-detached homes in the east end, Toronto buyers face the tightest qualifying math in Ontario. Jay structures purchases, renewals and refinances with prime, alternative and private lenders so the deal still works when a single bank says no.

    Local focus: Pre-construction closings and condo assignment financing.

    Toronto services

    • First-time buyer programs
    • Condo and pre-construction financing
    • High-ratio and conventional purchases
    • Renewal rate negotiation

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Toronto and surrounding communities

    Get a Toronto rate quote
    City of Toronto — East

    Mortgage Broker in Scarborough, Ontario

    Scarborough is full of multi-generational households and homes with legal or potential second suites. Jay works with lenders that count rental and basement suite income properly, which often lifts an approval amount by six figures.

    Local focus: Lenders that use up to 100% of legal suite rental income.

    Scarborough services

    • Basement suite rental income
    • Multi-generational co-applicants
    • Newcomer and non-resident programs
    • Debt consolidation refinances

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Scarborough and surrounding communities

    Get a Scarborough rate quote
    Peel Region

    Mortgage Broker in Brampton, Ontario

    Brampton buyers are frequently self-employed, commission-based or relying on rental suite income. Jay places these files with alternative and private lenders when income does not fit bank templates, and explains broker fees up front.

    Local focus: Stated-income and bank-statement programs for business owners.

    Brampton services

    • Self-employed and business-for-self
    • Legal second suite income
    • Alternative and B-lender placement
    • Equity take-out refinancing

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Brampton and surrounding communities

    Get a Brampton rate quote
    Peel Region

    Mortgage Broker in Mississauga, Ontario

    Mississauga owners sitting on strong equity often refinance to consolidate debt, fund a renovation or buy a second property. Jay compares prime, monoline and private options side by side so the cheapest true cost wins.

    Local focus: Second mortgages and HELOC alternatives for debt consolidation.

    Mississauga services

    • Refinancing and equity take-outs
    • Investment property purchases
    • Commercial and mixed-use lending
    • Renewal and switch strategies

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Mississauga and surrounding communities

    Get a Mississauga rate quote
    Waterloo Region

    Mortgage Broker in Kitchener, Ontario

    Kitchener remains one of the most reachable entry points into home ownership in southern Ontario. Jay helps first-time buyers use the right down payment programs and lock a rate hold before shopping.

    Local focus: 120-day rate holds so buyers shop with certainty.

    Kitchener services

    • First-time buyer financing
    • Rate holds and pre-approvals
    • Tech-sector RSU and bonus income
    • Duplex and student rentals

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Kitchener and surrounding communities

    Get a Kitchener rate quote
    Waterloo Region

    Mortgage Broker in Waterloo, Ontario

    Waterloo is driven by university housing and technology employment. Jay finances student rentals, multi-unit conversions and purchases where variable bonus or stock income needs a lender that understands it.

    Local focus: Rental-property financing including 5+ unit conversions.

    Waterloo services

    • Student rental properties
    • Multi-unit and duplex financing
    • RSU, bonus and contract income
    • Investor portfolio lending

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Waterloo and surrounding communities

    Get a Waterloo rate quote
    Waterloo Region

    Mortgage Broker in Cambridge, Ontario

    Cambridge attracts move-up buyers and families relocating out of the GTA. Jay coordinates sale-and-purchase timing, bridge financing and porting so there is no gap between closings.

    Local focus: Bridge loans that cover overlapping closing dates.

    Cambridge services

    • Bridge financing between closings
    • Porting an existing mortgage
    • Move-up purchases
    • New build and construction draws

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Cambridge and surrounding communities

    Get a Cambridge rate quote
    Halton Region

    Mortgage Broker in Oakville, Ontario

    Oakville deals are usually larger and more complex — custom builds, high-value purchases and financing above standard insured limits. Jay arranges lending for files that need flexibility rather than a rate table.

    Local focus: Construction and custom-build draw mortgages.

    Oakville services

    • High-value and jumbo mortgages
    • Custom home construction draws
    • Net worth and asset-based lending
    • Private bridge financing

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Oakville and surrounding communities

    Get a Oakville rate quote
    York Region

    Mortgage Broker in Vaughan, Ontario

    Vaughan is home to a large base of contractors, trades and business owners. Jay finances owner-occupied commercial space, business expansion and residential purchases for self-employed clients in one conversation.

    Local focus: Commercial and business financing alongside the home mortgage.

    Vaughan services

    • Business and commercial financing
    • Owner-occupied commercial property
    • Private second mortgages
    • Self-employed residential purchases

    Mortgage Kraft — Jay Shah

    Affinity Mortgage Solutions Inc., FSRA #13093

    Broker Licence #M22002236

    905-781-6661

    Serving Vaughan and surrounding communities

    Get a Vaughan rate quote

    Prime, alternative and private lending

    Prime and monoline mortgages are arranged at no cost to you — the lender pays the brokerage. Alternative and private lending files carry a broker fee, disclosed in writing before you commit. Residential, commercial and business financing are all handled in-house.

    Talk to Jay