~172,000
Population
$780,000
Avg. Home Price
30+
Lenders Available
24hr
Pre-Approval
Why Oshawa?
Ontario Tech University
Lakeridge Health
GO Train direct to downtown
Waterfront trail
Our Services in Oshawa
First Time Buyers
Buying your first home in Oshawa? We guide you through every step.
Mortgage Renewals
Renewing your mortgage? Don't accept the first offer - let us shop for you.
Refinancing
Access your home equity for renovations, debt consolidation, or investments.
Pre-Approvals
Know exactly what you can afford before you start house hunting.
Self-Employed
Specialized mortgage programs for entrepreneurs and business owners.
Bad Credit Solutions
Past credit issues? We have options that can help you buy a home.
Common Questions About Mortgages in Oshawa
What is the average home price in Oshawa?
The average home price in Oshawa is around $780,000. This can vary significantly based on location, property type, and market conditions.
How much down payment do I need for a home in Oshawa?
The minimum down payment is 5% for homes under $500,000, 10% on the portion between $500K-$1M, and 20% above $1M. First-time buyers may qualify for additional programs.
Can I get pre-approved before finding a home in Oshawa?
Absolutely! In fact, we recommend it. A pre-approval gives you a clear budget, shows sellers you're serious, and locks in a rate for up to 120 days.
What makes Kenlock Mortgage different from banks in Oshawa?
We work with 30+ lenders to find the best rates and terms for your situation. Unlike banks who sell their own products, we work for YOU to find the perfect fit.
Ready to Explore Your Options in Oshawa?
Contact our local experts today for personalized advice and competitive rates.