๐Ÿก Knighton Real Estate Advisors ยท Niagara ยท Hamilton ยท GTA

One Professional.
Two Licences.
One Seamless Deal.

I'm Justin Joseph โ€” a Real Estate Advisor with Knighton Real Estate Advisors (eXp Realty), one of the Golden Horseshoe's most active teams, and a Mortgage Agent Level 2 with Choice Financial. You get the team's marketing and support behind your home, plus one person handling your home search and your financing so nothing falls through the cracks.

Real Estate Advisor with Knighton Real Estate Advisors ยท Realtor, eXp Realty

2
Licences
30+
Lenders
ON+AB
Licensed
๐Ÿ“… Book a Free Call Calculate Your Mortgage
St. Catharines Niagara Falls Welland Hamilton Stoney Creek Mississauga Toronto Calgary Edmonton
DUAL
LICENSED
ON & AB
Justin Joseph - Realtor and Mortgage Agent
Justin Joseph
Realtor ยท Mortgage Agent Level 2
๐Ÿ 
eXp Realty ยท Knighton Real Estate Advisors
Licensed Realtor ยท Ontario & Alberta
๐Ÿ“‹
Choice Financial Group
Mortgage Agent Level 2 ยท FSRA #13564
๐Ÿ“
Niagara to GTA Roots
Deep local knowledge, both markets
Backed by Knighton Real Estate Advisors, one of the Golden Horseshoe's most active teams
$200M+
sold by the team in 2025
1,000+
families helped
Top 1%
of teams in Canada
Full admin team
supporting every file
Start here

Tell me what you're after. I'll do the legwork.

Answer a few quick questions and I'll send listings that fit, check your financing, or price your home with the Knighton team behind me. No account and no login.

I want to buy

Get new listings that fit your area and budget, plus a free pre-approval so you can move the day the right home appears.

Or browse all listings yourself

I want to sell

Get a data-backed estimate of what your home would sell for, plus professional marketing from the Knighton team and a plan that lines up your next purchase if you're moving on.

Buying and selling?

Why Justin Joseph

Toronto Roots. Niagara Home. GTA Expertise.

Raised in Toronto and now rooted in the Niagara Region, I bring genuine firsthand knowledge to both markets โ€” not just the numbers, but the neighbourhoods.

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A Team Behind You

Knighton's marketing, admin and listing support back every file, and I'm your single point of contact for the real estate and the mortgage.

๐Ÿ’ฐ

Best Rate, Every Time

Access to 30+ lenders means I shop hard for your rate โ€” not just offer you one option.

โšก

Faster Closings

When your realtor is also your mortgage agent, timelines compress and deals move faster.

๐Ÿ—บ๏ธ

Toronto Raised, Niagara Based

Raised in Toronto, now rooted in Niagara โ€” I have firsthand knowledge of both markets and what buyers and sellers care about in each.

Your 3-Step Journey

1

Free Discovery Call

We map your goals, timeline, and budget in 30 minutes. No pressure, just clarity.

2

Pre-Approval & Property Search

I lock your rate with 30+ lenders while simultaneously searching MLS for the right home.

3

Offer, Mortgage & Close

I negotiate your offer and coordinate your mortgage approval in perfect sync โ€” one seamless close.

Start Now โ†’
What I Offer

Full-Service Real Estate & Finance

Whether you're buying your first home in the Niagara Region, upgrading in the Greater Toronto Area, or refinancing โ€” I've got every angle covered.

๐Ÿก

Buy a Home

From Niagara to the GTA, I have deep market knowledge and MLS access to find your perfect property at the right price. Buyer representation at no cost to you.

eXp Realty
๐Ÿท๏ธ

Sell Your Home

Professional CMA, in-house marketing and listing support from the Knighton team, MLS listing, social promotion, and skilled offer negotiation. Maximizing your sale price is the mission.

Knighton Real Estate Advisors ยท eXp Realty
๐Ÿ“Š

Mortgage Pre-Approval

As a Level 2 Mortgage Agent with Choice Financial, I underwrite mortgages in Ontario AND Alberta, shopping 30+ lenders for your best rate.

Choice Financial ยท FSRA #13564
๐Ÿ”„

Refinance & HELOC

Tap your home equity, consolidate debt, or lower your rate. I structure the right solution for your financial picture.

Choice Financial ยท FSRA #13564
๐Ÿ”๏ธ

Alberta Mortgages

Dual-licensed in Alberta, I can underwrite your mortgage whether you're buying in Calgary, Edmonton, or relocating from Ontario.

Licensed ON & AB
๐Ÿ†•

First-Time Buyers

Navigating your first purchase is complex. I simplify the process from pre-approval to closing, protecting your interests every step of the way.

Niagara ยท GTA ยท Alberta
Active & Recent Listings

Current Listings

Featured properties across Niagara, Hamilton, Stoney Creek and the GTA, listed with Knighton Real Estate Advisors, eXp Realty. Contact Justin for details or an updated market evaluation.

62 Andrew Lane, Thorold
Active
62 Andrew Lane, Thorold, ON
๐Ÿ› 4 bed ๐Ÿšฟ 3 bath ๐Ÿš— 2 car garage
MLS# X13647844
49 Campbell Street, Thorold
Active
49 Campbell Street, Thorold, ON
๐Ÿ› 4 bed ๐Ÿšฟ 3 bath ๐Ÿš— 2 car garage
MLS# X13863274
3313 Acala Crescent, Mississauga
Listing
3313 Acala Crescent, Mississauga, ON
๐Ÿ› 5 bed ๐Ÿšฟ 3 bath
MLS# W14130098
3-3425 Ridgeway Drive, Mississauga
Listing
#3-3425 Ridgeway Drive, Mississauga, ON
๐Ÿ› 2 bed ๐Ÿšฟ 3 bath
MLS# W13763268
61 Mayland Trail, Stoney Creek
Active
61 Mayland Trail, Stoney Creek, ON
๐Ÿ› 3 bed ๐Ÿšฟ 4 bath ๐Ÿš— Garage
MLS# X13720346

Want to see everything on the market in Niagara, Hamilton, Stoney Creek and the GTA?

Search All Homes Search provided by Knighton Real Estate Advisors, eXp Realty. Opens in a new tab.
Mortgage Services โ€” Niagara Region & GTA

Your Mortgage Solution, Whatever Your Situation

As a licensed Mortgage Agent Level 2 with Choice Financial (FSRA #13564), I have access to 30+ lenders โ€” including banks, credit unions, B-lenders, and private lenders. Whether the bank said yes, no, or maybe โ€” I find you a better solution.

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First Mortgage & Home Purchase

Buying your first home or upgrading across the Niagara Region or Greater Toronto Area? I shop 30+ lenders to find you the best rate, structure your amortization for maximum flexibility, and close your deal faster than any single bank.

Learn More โ†’ Apply Now โ†’
๐Ÿšซ๐Ÿฆ

Bank Said No? I Have Options

A bank decline doesn't mean the end of your mortgage journey โ€” it just means their criteria didn't fit your file. I work with B-lenders and private lenders who assess your full financial picture. Self-employed, bruised credit, new to Canada โ€” all welcome.

Learn More โ†’ Get Approved โ†’
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Mortgage Refinance & Renewal

Your renewal is your most powerful negotiating moment โ€” and most Canadians leave money on the table by going back to their existing lender. I shop every option at renewal to reduce your rate, restructure your term, and lower your monthly payment.

Learn More โ†’ Review My Rate โ†’
๐Ÿ’ฐ

Home Equity & Cash-Out Refinance

Access up to 80% of your home equity for renovations, debt consolidation, investment properties, or major purchases. A cash-out refinance often delivers funds at mortgage rates far lower than credit cards or personal loans โ€” using equity you've already built.

Learn More โ†’ Unlock My Equity โ†’
๐Ÿ“‰

Debt Consolidation Mortgage

High-interest credit cards and personal loans draining your cash flow? Roll them into your mortgage at a fraction of the interest rate. Many Niagara homeowners reduce their total monthly obligations by $500โ€“$1,500 through a well-structured consolidation.

Learn More โ†’ Consolidate Now โ†’
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Second Mortgage & Private Lending

Need access to equity without breaking your existing first mortgage and paying a penalty? A second mortgage in second position lets you access funds quickly without disrupting your primary mortgage. I structure private and alternative solutions most brokers won't touch.

Learn More โ†’ Explore Options โ†’

Access to 30+ Lenders Across Canada

Major Banks  ยท  Credit Unions  ยท  B-Lenders  ยท  Monoline Lenders  ยท  Private Lenders  ยท  Alternative Lenders

Mortgage Payment Calculator

Get a quick estimate โ€” then book a call for a real pre-approval with actual rates from 30+ lenders.

Enter Your Details

Your Estimated Payment

$2,847
per month
Mortgage Amount $520,000
Total Interest Paid $334,100
Total Cost $854,100
Down Payment % 20%
โšก Start My Application ๐Ÿ“ž Call Justin Directly

Get a Free Mortgage Review

No obligation. No credit hit. Just answers โ€” usually within a few hours.

Your information is confidential and never sold. Justin Joseph ยท Mortgage Agent Level 2 ยท Choice Financial ยท FSRA #13564

Justin Joseph - Realtor and Mortgage Agent, Niagara to GTA
Toronto Raised
Niagara Based ๐Ÿก
About Justin

Your Local Expert from Niagara to the GTA

I was raised in Toronto and now call the Niagara Region home โ€” which means I have genuine roots on both sides of the corridor. I don't just know the data; I know the streets, the neighbourhoods, the school zones, and what makes each community worth living in.

Most people dealing with real estate are bouncing between three professionals: a listing agent, a mortgage broker, and a bank. They repeat their story each time and hope everyone communicates. When you work with me, that problem disappears. One licensed professional handles your listing, your pre-approval, and your purchase.

I work as a Real Estate Advisor with Knighton Real Estate Advisors, one of the Golden Horseshoe's most active teams. That means professional marketing, listing support and a dedicated admin team behind your move, with me as your single point of contact.

As a Mortgage Agent Level 2 with Choice Financial (FSRA #13564), I have access to over 30 lenders and can underwrite mortgages in both Ontario and Alberta. Whether you're a first-time buyer in the Niagara Region, upgrading in the Greater Toronto Area, or relocating to Calgary โ€” I'm your one call.

โœ… Real Estate Advisor โ€” Knighton Real Estate Advisors โœ… Realtor โ€” eXp Realty โœ… Mortgage Agent Level 2 โœ… FSRA #13564 โœ… Licensed Ontario โœ… Licensed Alberta โœ… 30+ Lenders
Book Your Free Call โ†’
Get in Touch

Let's Talk Real Estate & Mortgages

Whether you're ready to buy, sell, or just exploring your options โ€” a 30-minute call costs you nothing and could save you thousands.

๐Ÿ“ž
647-539-7051
โœ‰๏ธ
justinjrealty@gmail.com
๐Ÿ“…
Book a 30-Min Call on Calendly

Quick Inquiry

Fill this in and Justin will reach out within 24 hours โ€” usually same day.

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