Mortgage Broker - Oshawa

Mortgage Broker Serving Oshawa

The short version: HB Mortgage Centre is an FSRA-licensed Ontario brokerage serving Oshawa by phone and email from its Mississauga office. Much of the work here is affordability and credit recovery: first homes, bruised credit, and self-employed income, handled without judgment. Every option is subject to qualification.

Oshawa is the largest city in Durham and one of the more affordable corners of the east GTA, which is why we see a wide income mix here: first-time buyers, owners rebuilding credit, and self-employed people whose income does not fit a standard form. HB Mortgage Centre is an FSRA-licensed Ontario brokerage based in Mississauga, helping Oshawa buyers and homeowners by phone and email, without judgment. We are a brokerage, not a bank, so we look across lenders to fit your situation, subject to qualification and lender review.

Written by the HB Mortgage Centre team. Reviewed by Hardeep Batoo, Principal Broker (licence M13002408). HB Mortgage Centre is an FSRA-licensed brokerage (#13449). Last updated: June 23, 2026.

See your options Call (647) 542-6100

FSRA Brokerage #13449Â·Hardeep Batoo, Broker Licence #M13002408Â·Serving OshawaÂ·Ontario-licensed

The basics

Who do we help in Oshawa?

This page is for first-time buyers trying to get into a more affordable market, for people whose credit has taken a hit and who want a realistic path forward, and for self-employed owners tired of being told their income is hard to prove. None of that is unusual, and none of it gets a lecture from us. The work is taking a real situation, however complicated, to a lender who will assess it fairly, subject to qualification.

Who it's for

How we help Oshawa borrowers

We lead with affordability and the files that banks often turn away:

First-time home buyer help for your first purchase, with a clear picture of the costs.

Mortgage options with bad credit, explained without judgment and with a plan to improve terms over time.

Self-employed mortgages when your income is real but hard to document on a single slip.

Everything is subject to qualification and lender review, and we are honest about cost and trade-offs before you decide.

How it works

How do we work with Oshawa clients?

Phone and email service

Our office is in Mississauga, and we serve Oshawa clients by phone and email. For a lot of people that is less stressful than sitting across a desk: you can share documents electronically and talk things through on a call, on your schedule.

Same broker throughout

You deal with the same broker the whole way through, so you only explain your situation once. Where we sit does not change which lenders we can approach or the honesty of the advice we give.

More than 50 lenders

HB Mortgage Centre has arranged over $1 billion in mortgage funding since December 2021, working with more than 50 lenders. We also work with homeowners in Whitby and Clarington.

Oshawa market context

Financing in the Oshawa market

Oshawa is home to about 175,383 residents, according to the 2021 Census, and grew 10.0 percent between 2016 and 2021. As the biggest and more affordable city in Durham, it draws buyers priced out of markets closer to Toronto, along with a steady share of self-employed workers in trades and services. That affordability is part of why we see more credit-rebuild and self-employed files here than in some neighbouring towns. We give you a realistic, judgment-free read on your situation in the current Oshawa market and what a responsible path looks like for you.

Banks also tend to lead with their own products. For credit recovery, one set of rules can be the whole problem. A brokerage compares more than 50 lenders, including ones that price a rebuilding year fairly, before you settle for the first answer.

Areas we serve across Ontario →

Why a broker

When it is worth a conversation

It is worth a short call if any of these sound familiar:

A bank declined you, and you want to know what is genuinely possible.

Your credit has taken a hit and you want a realistic plan rather than a brush-off.

Your income is self-employed or commission-based and hard to document.

You are buying your first home in a more affordable market and want a clear budget.

No cost, no obligation. The conversation and the assessment are free. Approval, terms, and rates are never guaranteed.

Areas we serve →

FAQ

Frequently Asked Questions - Mortgage Broker Oshawa

Do you have an Oshawa office?+

No. Our only office is in Mississauga, and we serve Oshawa clients by phone and email. The whole process can be handled remotely, which most clients find easier.

Can you help if my credit has taken a hit?+

Often yes, subject to qualification, usually through alternative or private lenders, with a plan to move toward better terms later. We do not offer guaranteed approval or no-credit-check products, and we explain the real cost up front.

I am self-employed in Oshawa. Will that be a problem?+

Not with the right lender. We present self-employed and business income accurately to lenders who assess it beyond a single tax slip, and we show you the trade-offs before you commit. It remains subject to qualification.

A bank already said no. Is it worth talking to you?+

Yes. A bank decline is one lender's view, not the whole market. We look across lenders, including alternative options, and tell you honestly whether there is a workable path. Improved terms later are not guaranteed.

I am buying my first home in Oshawa. Where do I start?+

With a clear budget and a clear picture of the costs before you shop. Oshawa draws a lot of buyers priced out of markets closer to Toronto, and we walk first-time buyers through what is realistic for their file, subject to qualification.

What happens when you call:+

a broker hears your situation and tells you what is realistic, without a sales pitch. The conversation and the assessment are free. Approval, terms, and rates are never guaranteed.

Talk to a broker who serves Oshawa

Tell us your situation and we will tell you, without judgment, what is realistic. No cost, no obligation.

Apply Call (647) 542-6100

Qualification subject to lender approval, credit assessment, and market conditions. O.A.C. E.&O.E. FSRA Brokerage #13449.

FSRA Brokerage #13449 Â· Hardeep Batoo, Broker Licence #M13002408 Â· Ontario-wide

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