Ajax, Ontario · careers

Mortgage agent jobs in Ajax

Mortgage Squad Advisors is where mortgage agents in Ajax build a bigger book: $0 monthly fee for producers, live + virtual training, your own brand leads at full split plus house leads at 40/60, 100+ A/B/private lenders, and AI tools that do the busywork. FSRA Licensed #13737.

Affordable GTA entry. Strong first-time buyer flow. For an agent in GTA / Durham, that’s real, fundable volume — and with our full A/B/private lender shelf you can place the files Ajax actually has.

Apply to join in Ajax Call (905) 553-8550 Explore careers

FSRA #13737| $0 fee for producers| 100+ lenders

A couple reviewing mortgage options with an advisor in their living room

Licensed advisorsFSRA #13737 · 100+ lenders

Avg. price

$871,853

Ajax average, 2026

Population

~130k

GTA / Durham

Lender shelf

100+

A · B · monoline · private

Your fee

for producing agents

Ajax market

The Ajax market for mortgage agents

Ajax is one of Durham's more affordable entry points, pulling first-time buyers priced out of the inner GTA who still need the GO-train commute. New-build and resale freehold both move quickly here, and the qualifying math usually hinges on the down payment and the stress test rather than the price ceiling.

Ajax recorded 72 sales with an average ldom of 28 days (TRREB Market Watch, August 2026) — the purchase pipeline an agent here is working, before renewals and refinances.

Ajax is a first-purchase market, and the tiered minimum is the number that matters

Ajax's July 2026 average selling price was $907,336, comfortably below the $1.5-million ceiling above which mortgage default insurance is unavailable — which means the full insured toolkit is open here. The minimum down payment is tiered, not a flat 5%: 5% on the first $500,000 plus 10% on the balance, which at the local average works out to roughly $65,734. The default-insurance premium is then financed onto the mortgage rather than paid in cash, so the smaller cash outlay buys a slightly higher monthly payment. Two further levers are specific to a first purchase and worth using in combination. A 30-year amortization is available to first-time buyers and on new-build purchases on insured mortgages, which lowers the monthly payment that the stress test is applied against and can meaningfully raise the qualifying amount. And the down payment itself can be assembled tax-efficiently: the FHSA offers up to $40,000 of lifetime contribution room with tax-deductible contributions, and the RRSP Home Buyers' Plan permits a withdrawal repaid over 15 years — the two can be used together. What none of these change is the stress test itself, which qualifies you at the greater of your contract rate plus two percentage points or 5.25%. Our affordability calculator runs your own numbers against it.

Durham closing costs: no municipal land transfer tax, and what that is worth

Ajax is in Durham Region, which levies no municipal land transfer tax. A purchase here pays Ontario's provincial tax only — where a comparable home inside the City of Toronto, including Scarborough immediately to the west, would carry a second municipal tax on top that roughly doubles the bill and is payable in cash on closing. For a first-time buyer, the Ontario rebate of up to $4,000 therefore covers a considerably larger share of the total tax bill in Ajax than it would inside the city. That is a real advantage, and it is worth being precise about what it does not cover. If you put less than 20% down, the default-insurance premium is added to your loan, and Ontario charges provincial sales tax on that premium which is payable at closing rather than financed. Legal fees, title insurance, a home inspection, the appraisal and adjustments for prepaid property tax add roughly 1.5% to 4% of the purchase price on top. New-build purchases in Ajax bring their own line items — builder adjustments, development-charge levies and utility connection fees are commonly charged at final closing and are not always capped in the agreement. We produce the full cash-to-close figure for your specific Ajax purchase up front, so the lawyer's office holds no surprises.

An illustrative Ajax file: five percent that wasn't five percent

This is an illustrative composite built from the rules above — not a specific client, and not a promised outcome. A first-time buyer budgets a 5% down payment against an Ajax purchase near the local average, having read that 5% is the minimum. It is not, above $500,000. The tiered rule requires 5% on the first $500,000 and 10% on everything above it, so on a $907,336 purchase the legal minimum is roughly $65,734 rather than $45,367 — a shortfall of about $20,000 discovered at exactly the wrong moment. Layer the land transfer tax, the provincial sales tax on the insurance premium and the rest of the closing stack on top, and the gap widens further. Nothing here is exotic; it is the single most common budgeting error in an entry-level GTA market, and it is entirely preventable by running the actual tiered figure before shopping rather than after. The same buyer, using FHSA and RRSP Home Buyers' Plan room and a 30-year insured amortization, often lands comfortably inside the requirement. Every real file is assessed on its own facts.

The Ajax market guide for borrowers

The math in Ajax

What a funded deal is worth in Ajax

At Ajax’s average price of about $871,853, a typical 80% loan-to-value mortgage is roughly $697,000. Lender finder’s fees on a deal that size usually run $5,600–$7,650 (about 0.8–1.1% of the mortgage) — and as a producing Mortgage Squad agent you keep up to 100% of it.

Illustrative, based on the GTA / Durham average selling price — your actual commission depends on the lender, the file and your split, and this is not a guarantee of earnings.

What our agents get

Everything you need to grow — nothing holding you back.

$0 fee for producers

No monthly desk fee for producing agents — your $150/mo is reimbursed when you fund $10M (or 15 deals) in a year.

Your leads + house leads

Leads you generate through your own brand and subdomain are 100% yours at your full split — plus house leads from our brokerage marketing at a 40/60 split on top.

Heavy training

Live and virtual sessions multiple times a week — underwriting, lender programs, and lead-gen.

Mentorship

A seasoned broker manager and team behind every file you submit.

100+ lenders

Full access to A, B, and private lenders — including the specialists most banks can't match.

AI + technology

Maya, our client-facing AI assistant, and Harvey, our back-office file tool, take the admin off your plate so you can spend your time with clients.

Free cards + headshots

Professional headshots and business cards to launch your personal brand.

Brand + lead-gen help

Marketing, lender presentations, and a special underwriting course to grow your book.

New to the industry?

How to become a mortgage agent in Ajax

1. Complete the mortgage agent (Level 1) course approved by FSRA — Ontario’s mortgage regulator — and pass the licensing exam.
2. Get sponsored by a licensed brokerage — Mortgage Squad sponsors and onboards new agents in Ajax.
3. Complete our onboarding + training, get your lender codes, and start writing deals with mentorship behind you.

Start your application

Careers FAQ — Ajax

Questions about joining? Explore careers or call (905) 553-8550.

How do I become a mortgage agent in Ajax?

In Ontario, you complete the FSRA-approved mortgage agent (Level 1) course, pass the exam, and get sponsored by a licensed brokerage. Mortgage Squad Advisors (FSRA #13737) sponsors and trains new agents in Ajax — we'll walk you through licensing end to end.

What does it cost to join Mortgage Squad in Ajax?

There is no monthly fee for producing agents. The $150/month is fully reimbursed once you fund $10 million (or complete 15 funded deals) in a calendar year — so for active agents it's effectively $0. No franchise or desk fees.

Do you provide leads to agents in Ajax?

Yes — two ways. Leads you generate through your own brand and subdomain are 100% yours at your full split. On top of that, we hand you house leads from our own brokerage marketing at a 40/60 split (you/brokerage) — extra deals you wouldn't otherwise have, never distributed by seniority. We also help you generate your own through marketing, your personal brand, and lender presentations.

Can I switch my brokerage to Mortgage Squad in Ajax?

Yes — many of our agents transferred from other brokerages. We make the move in Ajax simple: FSRA licensing transfer, lender re-papering, and onboarding are handled for you, usually within days.

What training and support do new agents get?

Live + virtual training multiple times a week, one-on-one mentorship, a dedicated underwriting course, lead-generation coaching, and 24/7 communication. New agents in Ajax are never on their own.

What lenders will I have access to?

Our full network of 100+ lenders — the big banks, monoline A-lenders, credit unions, alternative/B-lenders, and private/MIC lenders — so you can place Ajax files most brokerages would have to turn away.

Is Mortgage Squad licensed in Ontario?

Yes. Mortgage Squad Advisors holds FSRA Brokerage Licence #13737, and every agent we sponsor is licensed by FSRA and FINTRAC-trained.