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Same Bank Products, Simply Lower Rates

At Altrua Mortgage Broker Cambridge Ontario, we start by shopping from leading banks and mortgage lenders to find you the best mortgage product and rate. We use our high volume discounts, and pass on any lender bonus we receive to lower your rate as much as possible.

Our low mortgage rates are not a result of ‘high penalties’, or unusual ‘catches’ in the fine print. Our full feature mortgages offer you:

  • Flexible prepayment privileges.
  • Portable to a different home, without penalty.
  • Ability to refinance/ equity takeout during the term.
  • Switch lenders at the end of the term without penalty or other costs.

Connect us to see how we can match the best, low rate mortgage, to your unique situation. 

5 Year Fixed 1.44%
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5 Year Variable 1.44%
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3 Year Special 1.64%
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These and over 50 more lenders searched daily for the best possible mortgage deal.

 Cambridge Mortgage Specialists

Beyond the lowest rates, our mortgage broker Cambridge Ontario customers have come to appreciate full service from a trusted local source. Located on Thorne St in Galt for the past 3 + years, we are a proud part of the local community.

Connect with us today, and get answers in minutes, not hours.

Phone: 519-894-4366         Address: 19 Thorne St. Cambridge ON N1R 1S3

Our Cambridge Location

Other Locations: Barrie, KitchenerMississauga, London

Specialty Mortgage Programs Cambridge

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Cambridge, Ontario

Cambridge, a City of proud history, was formed out of the amalgamation of Galt, Preston, Hespler and Blair Townships. The population as of 2020 is upwards of 140,000 and is on a steady growth trajectory. The City enjoys immediate access to the Highway 401, and a 1-hour commute to central Toronto. This convenience is increasingly appealing to those employed in the GTA, and who are looking to spend far less than half the amount on a home. The average sale price in Cambridge is also about $100,000 less than in Guelph, which is situated just minutes closer to Toronto. The City also enjoys a strong local economy and is home to advanced manufacturing presences including Toyota Motors, ATS and COM DEV International. These factors will all continue to fuel a healthy local housing market.  As a  leading Mortgage Broker Cambridge Ontario, we provide some of the lowest rate first mortgagessecond mortgages and private mortgages in the area.

Top 10 Reasons To Get a Mortgage

And Own Property In Cambridge

10. Superb Livability

The quality of life in Cambridge is among the highest in Ontario. An abundance of parks, green spaces, the Grand river set the scene very well. Local schools and hospitals are also some of the best rated with more classroom space and lower wait times. All excellent reasons to contact your Cambridge Mortgage Broker and get more information on your lowest rate mortgage solution.

9. GTA Access

With over 80% of the population located within just minutes of Highway 401 – the City is situated within 1 hour of Central Toronto and will continue to provide a superior location for a growing number Toronto commuters to purchase.

8. Affordable Housing

Compared to other cities in Canada, including neighboring Cities of Guelph, Kitchener and Waterloo, the local housing market is substantially less expensive. For example – the average summer 2019 sales price in Guelph was $476,995 and an average Cambridge 2019 selling price of $429,599.

http://cambridgeassociationofrealtors.com/

7. Excellent Education and Skilled Labour

The area is home to an incredibly diverse and skilled workforce that will continue to be a lifeblood to the area. With growing presences from Conestoga College and The University of Waterloo, Cambridge will also continue to be a National leader in workforce development.

http://www.cambridge.ca/economic_development

6. Increasing Sales

According to the Cambridge Association of REALTORS®, home sales in August 2019 were at 296 units, increasing by 25.3% on year over year basis. The dollar value of homes are increasing, as are the median home prices which stood at $329,599

5. Diverse Neighborhoods

Local neighborhoods are diverse, offering unique lifestyles that resonate with the culture of the city. Preston, Galt, and Hespeler are three of the major areas that feature various options in real estate, from more traditional housing to modern urban developments.

4. Improving Housing Trends

Housing inventory is decreasing year over year, suggesting that sales trends continue to improve in an ever strengthening seller’s market. This points to the long-term strength of purchase and rental opportunities in the region.

http://www.canadianrealestatemagazine.ca/top-neighbourhoods/cambridge-on-873.aspx

3. High Tech Zone

Cambridge has a growing tech sector, especially in advanced automation, automotive and pharmaceutical. The city is home to Toyota Motor Manufacturing Canada that currently employees over 4,500. The business environment is stable and local governments and organizations such as Comunitech continue to spur start-up companies.

2. Low Mortgage Rates

Mortgage rates in Canada are at historical lows and this allows locals to purchase excellent value and with favourable upside potential.

1. Top Investment Community

The City currently tops the list of real estate investment opportunities in Ontario. The Real Estate Investment Network (REIN) issued a report citing that Cambridge is the best city in Canada for commercial and residential real estate given the incredible value offered, location and position for continued growth.

http://www.cambridgetimes.ca/news-story/4556844-cambridge-tops-list-of-real-estate-investment-opportunities/

 GREEN Mortgage Solutions Cambridge

Reep Green Solutions

Is an environmental charity that educates and offers practical tools to help locals realize home cost savings opportunities and achieve their energy savings goals. Mortgage Brokers Cambridge can provide you with more information, and introduce you to REEP if desired.

Reep Home Energy Evaluations

To identify top energy efficient upgrades that will save you the most money and add resale value to your home. A complimentary home energy coach is available for guidance and adding value to the process.

Rebates and Incentives

There are several available in the area to help make energy retrofitting make even more sense.

Green Mortgage Cambridge

Get cash back of up to 10% on your mortgage when purchasing and completing energy efficient improvements without affecting your low-interest rate.

CMHC Green Mortgage Rebate

If you are purchasing with less than 20% down payment, get back 10% of your CMHC insurance premium when upgrading your energy efficiency.