Best Mortgage Rates
in Brampton
Sam Sethi is Brampton's trusted Mortgage Agent Level 2 with access to 30+ lenders. Whether you're a first-time buyer in Mount Pleasant, refinancing in Springdale, or need a bad credit mortgage in Castlemore — Sam gets you approved at the best possible rate.
Live Rate Comparison
Brampton Mortgage Rates — Sam vs. Big Banks
Why pay more? Sam shops 30+ lenders to find you the lowest rate in Brampton.
| Term | Big Banks | Avg Broker | Sam's Rate |
|---|---|---|---|
| 5-Yr Fixed | 5.49% | 4.09% | 4.09% ✓ |
| 3-Yr Fixed | 5.79% | 4.29% | 4.29% ✓ |
| 5-Yr Variable | 5.95% | 4.45% | 4.45% ✓ |
| 1-Yr Fixed | 6.49% | 5.19% | 5.19% ✓ |
Rates are indicative and subject to qualification. OAC. Updated April 2026.
Mortgage Services
Every Mortgage Solution Brampton Needs
First-Time Buyer Mortgages
Navigate Brampton's market with confidence. Access FHSA, HBP, and land transfer tax rebates.
Mortgage Renewals
Don't just sign your renewal letter. Sam shops 30+ lenders to get you the best renewal rate.
Refinancing
Access your home equity for renovations, debt consolidation, or investment opportunities.
Self-Employed Mortgages
Specialized programs for Brampton's entrepreneurs and business owners. Stated income options available.
Bad Credit Mortgages
Credit challenges? B lenders and private mortgage solutions for scores as low as 500.
Investment Properties
Finance your next rental property in Brampton with competitive investor mortgage rates.
24-Hour Pre-Approval
Get pre-approved in 24 hours so you can make confident offers in Brampton's competitive market.
New to Canada Mortgages
Newcomer mortgage programs for Brampton's diverse immigrant community. No Canadian credit history required.
Client Reviews
Brampton Homeowners Trust Sam
“Sam got us approved when two banks said no. Our credit wasn't perfect but he found a solution within 48 hours. We're now homeowners in Brampton!”
Harpreet S.
Mount Pleasant, Brampton
“As self-employed business owners, we struggled to get approved. Sam knew exactly which lenders to approach and got us a great rate. Highly recommend!”
Gurpreet & Mandeep K.
Springdale, Brampton
“Sam saved us $18,000 over 5 years compared to what our bank offered. The process was smooth and he explained everything clearly.”
Rajvir T.
Castlemore, Brampton
“First-time buyer and Sam walked us through every step. Got us the FHSA and land transfer tax rebate too. Couldn't have done it without him.”
Amanjot B.
Heart Lake, Brampton
Service Areas
Serving All Brampton Neighborhoods
Also serving all of Ontario — Sam is licensed province-wide.
Ready to Get the Best Mortgage Rate in Brampton?
Free consultation. No obligation. Sam will find you the best rate from 30+ lenders.