Rates starting from 3.99%
For HomeownersFor Agents

Current Ajax Mortgage Rates - As Low as They Get!

Staying updated with the latest mortgage rates is crucial. Here's a snapshot of current rates in Ajax:

Mortgage Size

$500,000

Discover your best Mortgage Rate with us! We specialize in finding you the lowest possible rate tailored to your unique situation. Wondering about your eligibility? Factors like your credit score and home equity matter, and we'll guide you through it.

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TermRates FromAs Affordable As
1 Year Fixed4.69%
$2072 /mo
2 Year Fixed4.09%
$1930 /mo
3 year fixed4.14%
$1942 /mo
4 year fixed4.19%
$1954 /mo
5 year fixed4.19%
$1954 /mo
5 year Variable4.2%
$1956 /mo
7 year fixed5.19%
$2194 /mo

Work With the Best Mortgage Brokers in Ajax

LendingHub has become a trusted name in Ajax for one simple reason—it puts clients first. Here is why we are the first choice:
  • Trusted Local Experts: LendingHub's team knows the Ajax real estate market inside and out, offering tailored mortgage advice based on local trends and needs.
  • Expert Guidance: Our skilled mortgage brokers in Ajax have in-depth knowledge of the local market, helping you find the right mortgage based on your unique needs.
  • Multiple Options: We have access to various lenders, offering competitive rates and flexible terms that fit your budget and goals.
  • Personalized Service: Top brokers take the time to understand your financial situation and provide tailored advice, ensuring you make informed decisions throughout the process.
  • Fast and Easy Process: Our experienced mortgage advisors streamline the approval process, reducing paperwork and time delays so you can secure your mortgage quickly.
  • Support for All Credit Types: Whether you have excellent credit or need help with bad credit, our team offers solutions to help you get approved.
  • Ongoing Support: We continue to provide expert advice and support, even after your mortgage is approved, ensuring you’re always on the right track.

Ready to explore your mortgage options? Speak with our mortgage expert today and get personalized options, low rates, and fast approvals—no guesswork, no stress.

Private Mortgages in Ajax – Reliable Alternative Lending

At LendingHub, we understand that life doesn’t always fit the mold—and neither should your mortgage. If traditional lenders have turned you down, our private mortgage solutions in Ajax offer a flexible, fast, and stress-free alternative.

Why Clients Turn to Private Mortgages:

  • Self-Employed Borrowers - We work with Ajax entrepreneurs and freelancers who have irregular income but solid assets. Our private lenders assess your full financial situation, not just your payslips.
  • Newcomers to Canada – No local credit history? No problem. We help new Canadians get approved through lenders who consider international income, savings, and employment history.
  • Non-Traditional Income Sources – Whether your earnings come from investments, part-time work, or other streams, we match you with private lenders who value your total financial profile.

Lending Hub’s Ajax mortgage specialists focus on more than just numbers—we focus on your potential. We partner with trusted private lenders across Ontario to ensure you get fair terms, fast approvals, and personalized end-to-end support. Learn more about private mortgages and see if it's right for you.

Think you can benefit from private mortgage options in Ajax? Schedule a convenient call-back and let our expert mortgage agents walk you through your doubts today.

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Second Mortgages Made Easy for Ajax Homeowners

If you’re a homeowner in Ajax sitting on built-up equity, LendingHub can help you turn it into real financial opportunity. Our second mortgage solutions give you access to fast, flexible funds — without selling or refinancing your primary mortgage.

How Ajax Homeowners Use Second Mortgages:

  • Home Renovations – Modernize your kitchen, build that dream deck, or add value to your home.
  • Debt Consolidation – Pay off high-interest credit cards or loans with one lower, manageable monthly payment.
  • Education or Life Expenses – Fund your child’s university or cover big life moments with less stress.

With Ajax’s average home price at $947,000+, your equity can work harder for you. At LendingHub, we match you with private and institutional lenders offering fair terms, fast approvals, and zero guesswork. Connect with our Ajax mortgage specialists and see if a second mortgage is the right fit for you.

Bad Credit Mortgages in Ajax – We’ve Got You Covered!

We believe bad credit shouldn’t block your path to homeownership. Whether you're recovering from past financial challenges or building credit from scratch, we connect you with lenders who look at the whole picture, not just your score.

Why Ajax Residents Trust Our Bad Credit Mortgage Solutions:
  • More Than Just Your Credit Score – Our network of flexible lenders evaluates income, equity, and potential.
  • Path to Credit Recovery – On-time mortgage payments can help rebuild your credit and unlock better rates in the future.
  • One-on-One Expert Guidance – We help you understand your options, compare lenders, and choose the right fit — every step of the way.

Worried your credit will hold you back? Let’s talk. LendingHub Mortgage Agents help Ajax homeowners secure bad credit mortgages with clarity and confidence.

Commercial Mortgages in Ajax – Built for Business Growth

Whether you’re expanding, investing, or launching something new, LendingHub’s commercial mortgage experts are always here to simplify the process and help you secure the right financing.

We Help Ajax Businesses Finance:
  • Retail Units & Strip Malls – Set up in busy locations with great terms that work for you.
  • Office Buildings & Medical Spaces – Flexible lending for professional setups of all sizes.
  • Multi-Family Investments – Ideal for real estate investors growing their rental portfolio.
  • Industrial Spaces & Warehouses – Support for logistics, storage, or manufacturing needs.

With deep knowledge of the Ajax real estate landscape and a network of top commercial lenders, we tailor your commercial mortgage to your goals, not just the property type.

Request a call-back from a LendingHub advisor today and turn your business vision into a funded reality.

Reverse Mortgages in Ajax - Your Well-deserved Financial Freedom

At LendingHub, we believe retirement should be stress-free, not held back by finances. If you're 55 or older and own your home, a reverse mortgage could tap into the equity you’ve built and turn it into tax-free cash, without selling or moving.

Use Your Funds For:
  • Supplementing your retirement income
  • Renovating your home for comfort or accessibility
  • Traveling and enjoying your freedom
  • Covering health care or long-term care costs

As local experts in Ajax mortgage solutions, our team will guide you every step of the way— and suggest precisely what your unique needs demand. We give you clear, honest advice to help you decide if a reverse mortgage is the right choice for you or someone you care about.

Talk to a LendingHub expert today and discover how to retire on your terms, with your home as your financial safety net.

FAQs – Ajax Mortgage Questions Answered
Rates vary based on the lender and your financial profile. Currently, the 5-year fixed rates are around 4.19%. Contact us for personalized rates.
To find the best mortgage broker in Ajax, start by asking for referrals from friends, family, or your real estate agent. Check online reviews and ratings, and make sure the broker is licensed in Ontario. A good broker will help you understand your options and find the right mortgage for your needs.
Yes, you can get a mortgage in Ajax with bad credit, but it may be more challenging. Some lenders specialize in bad credit mortgages. You may need a larger down payment and expect higher interest rates.
A second mortgage is a loan taken out using your home's equity, on top of your primary mortgage. It can be useful for debt consolidation, renovations, or major expenses. However, it comes with risks, like higher interest rates and possible foreclosure.
Private mortgages in Ajax can be a good option if you have bad credit, are self-employed, or need quick financing. They offer flexible terms but often come with higher interest rates. It’s important to understand the risks and compare offers.
Commercial mortgages in Ajax are loans used to buy or refinance business properties, like offices or retail spaces. Lenders assess the property’s value, your business finances, and credit history. Terms often differ from residential mortgages, with shorter terms and higher interest rates.
You'll need ID, proof of income, credit history, and property details. Our team will guide you through the specifics.
Yes, you can refinance your mortgage in Ajax to secure a better rate, provided you meet certain criteria. Lenders typically require a credit score of 650 or higher, at least 20% equity in your home, and a stable income.
A fixed mortgage rate stays the same for the entire term, offering stable monthly payments. A variable mortgage rate can change with the market, meaning your payments may go up or down. Fixed rates provide security, while variable rates may offer lower initial costs but come with more risk.
Getting a mortgage approval in Ajax typically takes 3 to 10 business days, depending on your lender and how quickly you provide documents. Pre-approvals are usually faster. Delays can happen if more information is needed.

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