Colin Ballantyne - BRX MORTGAGE - Mortgage Agent

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What if someone finally explained explained your mortgage like a real human

Straightforward advice.
Smart strategy.
We’ll explain the fine print.

Refinance a home

Buy a home

905 580 6267

What if someone finally explained explained your mortgage like a real human

Straightforward advice.
Smart strategy.
We’ll explain the fine print.

Refinance a home

Buy a home

Smart Mortgage Planning Starts Here

Making Sense of Your Mortgage Choices

We'll analyze your financial profile to create a custom mortgage strategy, simplifying your home financing. Whether you're

A first-time homebuyer,
Refinancing
Renewing your mortgage
Consolidating debt
Or exploring real estate investments

Wecreate a personalized mortgage strategy to identify the best mortgage options and competitive mortgage rates for your personal situation.

Expert mortgage strategy consultation & personalized mortgage solutions to simplify your financing.

Let's Find the Right Mortgage for Your Needs.

1st Time Buyer Home Mortgage Solutions

Mortgage Renewal & Mortgage Refinancing

Buying a home is an exciting time!

As one of the most significant purchases, you should seek advice from a mortgage professional.

Get the facts your bank won't tell you about financing. With access to 40+ lenders, first-time home buyer incentives and more - we help you find the best mortgage options and mortgage interest rates.

home mortgage purchase calculator - What can i afford?

Mortgage Renewal & Mortgage Refinancing

Mortgage Renewals are a great time to look at options and competitive mortgage interest rates.

We provide unbiased expert advice with hundreds of mortgage options that no single bank can provide. Get multiple lenders competing for your business.

Situations change - Do you have the right mortgage that fits your life plans?

Moving, Renovations, Retiring.

mortgage renewal and refinance calculator

Rental Cash Damming

Mortgage Renewal & Mortgage Refinancing

Rental Cash Damming

Wealthy Canadians have used this powerful financial strategy for decades to reduce their taxable income and pay less mortgage interest.

I work with my clients to implement this advanced strategy outlining specific steps required to put this structure to work in their portfolio..

By optimizing your rental property cash flows with Rental Cash Damming, you can get the financial edge you need to get ahead.

Is Rental Cash Damming Right For Me?

Rental Cash Damming

Mortgage Help That Makes Sense.

Buying a home or refinancing can feel overwhelming. I get that.

With 24 years of real estate experience, I help clients turn home equity into opportunity.

Whether that’s buying, investing, or building long-term financial security.

BRX Mortgages is Canada’s fastest-growing brokerage, with expert underwriters ready to solve tough files and structure smart, strategic mortgage solutions.

From the first call to the final signing, I guide you through the process with clarity and care so you can make confident decisions without the stress.

Online Appointments

Book a meeting Oakville mortgage expert for personalized mortgage solutions & home mortgage options.

MORTGAGE DISCOVERY CALL

Book a mortgage call to discuss your goals. As an experienced Oakville mortgage agent, I'll simplify the process, answer your questions, and guide you through mortgage pre-approval, refinancing strategies, and home mortgage solutions. I'm here to help you make confident, informed decisions.

No pressure. Just a friendly, expert chat to hel

No pressure. Just a friendly, expert chat to help you navigate your mortgage options and achieve your homeownership goals.

Show Less

book a mortgage CALL

Insights to Help You Plan, Buy, and Invest

First Time Home Buyers

Your First Home Starts Here: Advice, Programs, and Insider Tips
Thinking about buying your first home? Get expert guidance, step-by-step resources, and strategies to help you qualify, save, and feel confident about your mortgage.

First Time Home Buyers

Mortgage Renewals

First Time Home Buyers

Mortgage Renewal Strategies to Save You Money
Don’t just sign your renewal. Explore expert advice, lender tips, and timing strategies to get a better rate, improve flexibility, and align your mortgage with your financial goals.

Mortgage Renewal Advice

Real Estate Investing

Why More Mortgage Agents are Choosing BRX?

Smart Mortgage Advice for Real Estate Investors
Whether you're buying your first rental or growing your portfolio, learn how to structure your mortgage for long-term gains. Leverage over 24 years of real estate investment experience to make confident, profitable decisions.

Real estate investment

Why More Mortgage Agents are Choosing BRX?

Canada’s Fastest-Growing Brokerage for a Reason
See why top-performing mortgage agents and brokers are making the switch to BRX. From smarter compensation to unmatched underwriting support, discover how BRX is changing the game.

are Looking for a Better Brokerage?

Frequently Asked Mortgage Questions

Expert Guidance on Pre-Approval, Refinancing, Renewals, and More from Your Trusted Mortgage Agent

What’s the difference between a mortgage broker and a bank?

When you work with me, I compare rates and terms from multiple lenders to find the most competitive options for your home mortgage, while a bank can only offer its own products. My job is to tailor the right mortgage solutions to your situation, potentially saving you money and time.different lenders, a mortgage broker can often secure more competitive options for your home mortgage.

How do I get a mortgage pre-approval quickly?

To secure a fast mortgage pre-approval, have your financial documents—like income statements, credit information, and employment history—ready. I’ll personally guide you through the process and help streamline everything so you can obtain your pre-approval as soon as possible.

Is refinancing or renewing my mortgage better for me?

When your mortgage term ends, you can either renew with your current lender or refinance to potentially change lenders, tap into your home equity, or get a more favorable interest rate. I can evaluate your unique circumstances and recommend the best course of action that aligns with your financial goals.

Can I still get a home mortgage if I have bad credit?

Absolutely. Even if your credit score isn’t perfect, there are still mortgage solutions available. I’ll help match you with lenders and programs that cater to lower credit profiles, ensuring you have the best chance at securing a suitable mortgage option.

What mortgage options do you offer for first-time homebuyers?

If you’re a first-time home buyer, I can walk you through various programs and incentives that feature lower down payments and government-backed support. Together, we’ll identify the best mortgage rate and product so you can step into homeownership with confidence.

How do I decide if a mortgage refinance is right for me?

Refinancing can help consolidate debts, lower monthly payments, or free up funds for renovations. However, it’s essential to weigh closing costs and any penalties. I’ll analyze your overall financial picture and advise whether a refinance aligns with your long-term plans.

How can I get the best mortgage rates and terms?

Lenders look at factors like your credit score, debt-to-income ratio, and property value. By working with me, you’ll benefit from my ability to shop around with various lenders, which often results in more attractive rates and terms. Having a pre-approval in hand can also give you an edge when negotiating with sellers.

What’s the difference between mortgage renewal and mortgage refinancing?

A mortgage renewal happens when your current term finishes and you continue your mortgage under a new term with no changes in the amortization length and loan total. A mortgage refinance replaces your existing loan with a new one allowing for new rates and terms. I’ll help you understand which option delivers the most value based on your goals and potentially from a different lender

Why isn't chasing the lowest mortgage rate always the best option?

While a low mortgage rate is important, focusing solely on the lowest can backfire on you. I've often seen cases where chasing the cheapest rate leads to hidden fees, rigid terms, and less flexibility. These are factors that could cost you a lot in the long run. That's why it's important to take a comprehensive approach: I assess your complete financial picture, including closing costs, personal goals and future refinancing possibilities, to develop a custom mortgage strategy that saves you money over time.

Need Mortgage Help? I’m Here.

Navigating The Mortgage Maze & Guiding You Home.

Colin Ballantyne - Mortgage Agent Level 2

Licenced with

BRX Mortgage Broker FSRAO: 13463

License ID: M22000539

SERVING ALL OF ONTARIO

Including

OAKVILLE - BURLINGTON - MILTON - MISSISSAUGA

COLLINGWOOD - WASAGA BEACH - MEAFORD - OWEN SOUND

THUNDER BAY & NORTHWESTERN ONTARIO

The Mortgage Builder BRX Mortgage

62 Lane 126, Oakville, ON L6H 6V4, Canada

905-580-6267

Hours

Monday - Friday: 8am - 8pm

Saturday: By appointment

Sunday: Closed

What if someone finally explained explained your mortgage like a real human

What if someone finally explained explained your mortgage like a real human

Smart Mortgage Planning Starts Here

Making Sense of Your Mortgage Choices

Book Your Free Mortgage Consultation

Let's Find the Right Mortgage for Your Needs.

1st Time Buyer Home Mortgage Solutions

Mortgage Renewal & Mortgage Refinancing

Mortgage Renewal & Mortgage Refinancing

Mortgage Renewal & Mortgage Refinancing

Mortgage Renewal & Mortgage Refinancing

Mortgage Renewal & Mortgage Refinancing

Rental Cash Damming

Mortgage Renewal & Mortgage Refinancing

Rental Cash Damming

Rental Cash Damming

Online Appointments

MORTGAGE DISCOVERY CALL

Mortgage Insights & Updates

MORTGAGE APPLICATION

Stay Informed. Win Rewards.

Straight Talk from the Mortgage Desk

Are you ready to revolutionize your business?

Why Mortgage Agents Are Switching To BRX Mortgage

Insights to Help You Plan, Buy, and Invest

First Time Home Buyers

First Time Home Buyers

First Time Home Buyers

Mortgage Renewals

First Time Home Buyers

First Time Home Buyers

Real Estate Investing

Why More Mortgage Agents are Choosing BRX?

Why More Mortgage Agents are Choosing BRX?

Why More Mortgage Agents are Choosing BRX?

Why More Mortgage Agents are Choosing BRX?

Why More Mortgage Agents are Choosing BRX?

Frequently Asked Mortgage Questions

Need Mortgage Help? I’m Here.

Servicing Clients from all Across Ontario

Navigating The Mortgage Maze & Guiding You Home.

The Mortgage Builder BRX Mortgage

Hours

LET'S CONNECT

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