Nicolee EvansMortgage Broker

Oshawa · Durham Region

Mortgage broker in Oshawa, Ontario.

Calm, strategic mortgage advice for Oshawa homeowners and buyers - renewals, refinancing, self-employed income, separation, first homes, and investment properties. Licensed in Ontario with BRX Mortgage Inc. - FSRA #13463, with 58 lenders behind every file.

Local Context

Oshawa files, not national averages.

Oshawa spans a wide range of housing: century homes near downtown, established post-war streets, and newer north-end subdivisions around Windfields and Taunton. Lenders do not treat those the same way - age, condition, and appraisal support all shift which lender is the right fit.

Oshawa also has one of the highest concentrations of student rentals and multi-unit conversions in Durham. If a property has a second suite or rental income, the lender you choose determines how much of that income actually counts toward qualifying.

Neighbourhoods served: North Oshawa, Windfields, Taunton, Downtown Oshawa, Lakeview.

Areas Served

Based in Whitby. Licensed across Ontario.

  • Oshawa
  • Courtice
  • Whitby
  • Brooklin
  • Bowmanville
  • Clarington
  • Ajax
  • Pickering

Also serving Whitby.

Questions

Oshawa mortgage questions.

Yes. Oshawa has a lot of legal and non-conforming second suites. Lenders vary widely in how much rental income they will use - some take 50%, others use an offset method that qualifies you for meaningfully more. Choosing the right one is part of the strategy.

Let's start with a conversation.

30 minutes · No obligation · Personally reviewed by Nicolee

Book a Consultation