What homeowners in Markham ask us first
- Gifted-down-payment files are frequent: signed gift letters plus 90-day bank-paper trails prevent last-week delays.
- New-build and assignment closings need HST-rebate and occupancy-fee math reviewed before the final advance.
- High average price point pushes many Markham buyers into 20%-down uninsured qualification.
Own rentals in Markham? Investor underwriting lives in our investment market guides — this page covers only the home you live in.
Owner-occupied paths in Markham
The home you live in — not a second Markham investment guide.
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Purchase / pre-approval
Insured or conventional purchase in Markham with a free 120-day hold across 50+ Canadian lenders.
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Renewal / switch
Start 120 days before maturity so you can leave a posted-rate auto-renew with no IRD penalty.
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Refinance or equity takeout
Rate-and-term keeps the balance flat. Equity takeout pulls cash to 80% LTV. Both are uninsured.
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Markham investment guides
Rental and commercial underwriting for Markham lives on market guides — not this page.
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Residential rates
Owner-occupied and 1–4 unit rate ranges. Commercial and CMB pricing live on their own desks.
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Ontario home mortgages
City pages for the home you live in — purchases, renewals, refinances, and self-employed files.
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Rate-and-term refinance
Lower the rate or reset the term without taking cash out. Penalty math first.
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Home equity takeout
Pull cash up to 80% LTV from the Ontario home you occupy. Refinance vs HELOC compared.
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Self-employed mortgage
Two-year NOA averages, add-backs, and alt-doc paths for the home you live in.
Ontario owner-occupied mortgages
Retail (owner-occupied) paths for the home you live in — not investment underwriting.
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Markham home mortgage FAQs
Owner-occupied purchases, renewals, and refinances in Markham.
Markham home mortgage FAQs
Next steps
Get your Markham rate hold
Free 120-day rate hold and a broker shopped across 50+ Canadian lenders.