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Mortgages for Durham Region frontline workers

We hold verified pay grids for Durham Regional Police and for the fire services in Oshawa, Whitby, Ajax, Pickering and Clarington. Six agreements across one region, each read from the document itself and dated.

Working in Durham Region

Durham is the region where we hold the most municipal fire agreements, which matters because firefighter grids are set locally and the same rank pays differently a town apart.

Places this covers

Oshawa · Whitby · Ajax · Pickering · Clarington · Bowmanville · Uxbridge · Port Perry

Land transfer tax here

Ontario land transfer tax applies on closing. There is no second municipal land transfer tax in Durham Region, which is charged only inside the City of Toronto. First-time buyers can claim the provincial refund. What a purchase costs to close

Pay grids in Durham Region

Find yours and see where your rank sits. Checked August 28, 2026.

All employers
Employers in Durham Region, top of grid pay and agreement status
EmployerTop of gridAgreement
Durham Regional PolicePC1 (1st Class Constable)$123,395In forceExpires Dec 31, 2029
Oshawa Fire ServicesFirst Class Firefighter$123,394In forceExpires Dec 31, 2026
Whitby Fire and Emergency ServicesFirst Class Fire Fighter$123,394In forceExpires Dec 31, 2028
Ajax Fire & Emergency Services1st Class Fire Fighter$112,814Past expiry, these rates still applyPast expiry Dec 31, 2024
Pickering Fire Services1st Class Firefighter$111,253Past expiry, these rates still applyPast expiry Dec 31, 2024
Clarington Fire1st Class Firefighter$112,814Past expiry, these rates still applyPast expiry Dec 31, 2024

What a frontline wage buys in Durham Region

$100,000
You could buy up to$591,000$2,777 a month

An estimate, not an approval. Send it over and we will confirm it against your own stubs.

Ask Jeff and Emily

Already have a mortgage

5.29%
$600,000
CCosting you$17,309Well above it. Do not renew without shopping. Over five years.

Rate and balance are on your renewal letter or your online banking. We will read the rest of it with you.

Have us check it
Talk to Jeff and Emily
Jeff MudrickEmily Mudrick
Jeff and Emily Mudrick

Mudrick Mortgages, BRX Mortgage Inc.
Newmarket, Ontario. Serving Ontario.

Buying or renewing in Ontario?

Book a call, or send us your grid and we will come back with the number.

FSRA licence 13463Mortgage Agent Level 2, M21001275BRX Mortgage Inc.Newmarket, Ontario