There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.
Our calculators will allow you to explore your Mortgage options.
I'm Interested!We are first time home buyers in Canada. We started our house search in Ontario in June 2023. With no idea about how the mortgage and loan processes work in Canada, we started looking out for advice and suggestions to make right decision. Seeing the peak in mortgage interest rates, I also wanted to block the rates for our home. I visited top 5 Canadian banks where the advisors with 15-20 years of experience were just interested in “selling” mortgage. Nobody had time to explain the process or provide any advice. I guess time is money for most of them. Everyone was interested in conducting my credit check within 05 mins of discussion. I felt uncomfortable so started exploring mortgage advisors in the market instead of bank mortgage advisors.
I met a few mortgage advisors and based on my interactions with them, I decided to work with Nishant. Before he conducted our credit check, we had more than 6-8 touch-points where he educated us on the mortgage process, explained the timelines, documents required and based on our income / debt, gave a confirmed number to us which we used in shortlisting our first home in Canada. Besides these touchpoint, whenever I had a question, he was always prompt in his response. As he comes up with a lot of market knowledge on house pricing as well, I often took his advise (besides our Realtors’) on the home offer pricing too.
Nishant is a very humble person, has been very transparent and met our expectations. He is very strong in his paperwork and there were no last minute requests regarding any documentation. Based on timelines established by him in our initial calls, he was able to get our mortgage approval letter on time. He is a Durham Region Knowledge Bank, and if you are looking for new home mortgage or renewal, talking to him won’t hurt :).
Wishing him the best in what he is doing.
Sandeep K., Whitby
We recently reached out to Nishant Govindan- to refinance our home. Right from the beginning, Nishant provided us with a positive and comfortable experience.
He was straight forward and very helpful in explaining the process from start to finish. He was very professional and also gave us the best possible mortgage rate.
Working with you Nishant was fabulous and we will gladly send your way anyone I know that is in the market.
Bineesh V., Oshawa
Nishant is an absolute gem. A delight to work with. Right from the initial assessment through till the closing, his guidance and support was invaluable.
I’m fully confident of recommending Nishant.
All the best buddy!!!
Arvind S., North York
Nishanth is very professional to deal with and I would recommend him for all your mortgage needs.
Pradeep E.C. , Ajax
Nishant is very knowledgeable person. He resolved all the my questions related Mortgage whenever I called him. Also we did closing in 2 weeks. I have tight deadline but Nishant finished within the timeframe and I’m very happy since I received good service from him as well as low interest rate what I was expecting. Thank you so much Nishant for doing smooth process of mortgage.
Once again Thank you so much for providing all guidelines and smooth process of closing. Really appreciated ☺️!!
Look forward to working with you in future again.
Krunal M., Scarborough
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