Mortgages
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For the best mortgage experience call +1 647-456-4644
Our Services
What we offer
We offer a wide range of services to help our clients secure the best mortgage options for their needs. Our services include assisting with mortgage pre-approval, helping clients navigate the mortgage application process, providing guidance on choosing the right mortgage product, and offering refinancing options. We also specialize in finding competitive interest rates and negotiating with lenders on behalf of our clients. Our goal is to make the mortgage process as smooth and efficient as possible for our clients, ensuring they secure the best terms and conditions for their mortgage.
First Time Home Buyers
Are you a first-time home buyer? Congratulations!
Purchasing your first home is an exciting milestone. As a mortgage agent, I specialize in working with first-time buyers like you. I can guide you through the entire process, from understanding mortgage pre-approvals to explaining government programs and incentives. Let me help you navigate the complexities of buying your first home and find a mortgage solution that fits your budget and financial goals.
New to Canada
If you're a newcomer to Canada, I understand that securing a mortgage might seem challenging. I specialize in assisting new Canadians in navigating the mortgage landscape. By leveraging my expertise and network of lenders, I can help you understand the requirements, explore financing options, and guide you towards obtaining a mortgage that suits your unique circumstances.
Purchase
Are you looking to buy a new home? As a mortgage agent, I can assist you in securing the best mortgage for your needs. From exploring different financing options to navigating the application process, I'll guide you every step of the way, ensuring a smooth and seamless home purchase experience.
Refinance
If you're considering refinancing your existing mortgage, I can provide valuable advice and assistance. Whether you want to lower your interest rate, access equity in your home, consolidate debts, or make home improvements, I'll help you explore the possibilities and find a refinance solution that aligns with your goals.
Home Equity
Unlocking the equity in your home can provide access to funds for various purposes, such as home renovations, education expenses, or investment opportunities. I can help you explore different home equity options, such as home equity lines of credit (HELOCs) or second mortgages and guide you in making informed decisions about leveraging your home equity.
Debt Consolidation
Dealing with multiple debts can be overwhelming. Through a mortgage-based debt consolidation strategy, I can help you streamline your debts into a single monthly payment, potentially lowering your overall interest costs. Let me assist you in finding a suitable mortgage solution that allows you to regain control of your finances.
Investment Property
Investing in real estate can be a lucrative endeavor. If you're considering purchasing an investment property, I can provide guidance on financing options tailored to the unique requirements of investment properties. From rental properties to fix-and-flip projects, I'll help you explore mortgage solutions to maximize your investment potential.
Vacation Homes
Dreaming of owning a vacation home? Whether it's a cottage by the lake or a condo in a beachfront paradise, I can assist you in financing your vacation property. I understand the unique considerations that come with purchasing a second home and can help you explore mortgage options specific to vacation properties. Let me help you turn your dream of owning a vacation home into a reality.
Mortgage for Self-Employed
Being self-employed shouldn't hinder your ability to secure a mortgage. I specialize in assisting self-employed individuals and can help navigate the mortgage process, providing alternative documentation options and showcasing your financial strengths to lenders.
Reverse mortgages
Discover the benefits of a Reverse Mortgage - a financial solution exclusively for homeowners aged 55 and older. Access tax-free funds by converting a portion of your home equity, without the need for monthly mortgage payments. Enjoy greater financial flexibility and security during your retirement years.
Why Choose Us?
We have over 8+ years of experience helping client secure mortages to buy their dream homes. We aim to make the process simple, buy providing your with options that will work as per your budget. We will be there for you every step of your home buying journey.
Happy Customers
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Customer Satisfaction
Years in Business
About Us
What we offer
Mortgage Agent Level 2 with 8 years of experience in the industry, I have the knowledge and expertise to help you navigate the complex world of mortgages. Whether you are a first-time homebuyer or looking to refinance an existing loan, I understand the importance of finding the right mortgage solution for your unique needs. With my extensive network of lenders and understanding of the market, I can guide you through the entire mortgage process, ensuring that you receive competitive rates and terms that align with your financial goals. Trust in my experience and let me assist you in achieving your homeownership dreams.
Connor Smith2023-01-07Roshan is the best! He is kind, thorough, and knowledgable. You are in good hands when you work with him. I would recommend Roshan to my family and friends.
Ashok Sukumaran2022-10-25We had met Roshan once in 2017 and he left a great impression right then with his very professional manner and also for patiently helping us understand the basics. So when we decided to buy a home in 2022, we naturally went back to him and he more than lived up to our expectations. He was at all times reachable, helped us understand the process, provided guidance that helped us make good decisions and also made sure that the whole process was well organized, well-managed and very efficient. He also got us a good deal and stayed in close touch with us as we went through the offer process. We would happily recommend Roshan to anyone looking for a trustworthy mortgage agent.
Vikram Arora2022-07-04Roshan is professional, knowledgeable and trustworthy. He is approachable and easy to talk to. Whenever I had doubts and questions regarding mortgage, he clarified those in detail. He helped us all the way in the property buying process and also got us a competitive rate. Our mortgage buying experience was seamless thanks to latest software and tools used by him.
p g prakash2022-06-03Roshan is an excellent and very professional mortgage agent. As first time home buyers, we are glad that we chose to work with Roshan for our mortgage needs. Roshan took time to explain us about the mortgage basics and patiently answered all our queries to the point that made us choose the right mortgage product for us. Roshan has been very prompt in getting the work done. In each and every phase of our home buying process up till closing, Roshan has been very proactive and every time we had any questions, Roshan was so prompt to respond to all our texts, emails, etc. Not once during the process did I feel stressed or uncertain about anything. Getting our Mortgage was a breeze and especially during the rising rate environments, Roshan made sure we got the best deal possible while not compromising the quality of the product. The striking attribute that I have seen in his work is that he is very upfront and calls spade a spade rather than making any false promises. I would definitely recommend Roshan for mortgage needs. A big Thank you to you Roshan!
suganya s2022-05-16Roshan was helpful and provided valuable assistance throughout the process. He was detailed and readily available for any queries. I would recommend him to my friends who need assistance with mortgages in future.
aaron walker2022-01-28Roshan was friendly and easy to work with. He handled my mortgage process professionally and stayed close the whole time right up to closing. He gave me updates as needed and was available to answer whatever questions I had at any given time of day. Roshan suggested a great solicitor as well and was in constant contact with my lawyers to make sure that everything was looked after. I would use Roshan again for all future mortgage needs.
AWASE KHIRNI SYED2022-01-13With Roshan as our advisor. he always kept client interest first.
News & Resources
Common Mistakes to Avoid When Applying for a Home Mortgage in Canada
Applying for a home mortgage can be an overwhelming process and it is important to know what mistakes to avoid. Homeowners in Canada should be aware of the common pitfalls that could derail their mortgage application and make securing financing much harder. Here are...
What is home refinance and how to make sure you get the best deal in Canada.
Home refinance is a process where homeowners replace their existing mortgage with a new one, typically with different terms or a lower interest rate. It allows homeowners to take advantage of lower interest rates or change their mortgage terms to better suit their...
10 steps to save money for your home down payment in Canada
Saving money for a home down payment in Canada can be a challenging task, especially considering the high cost of real estate in many cities. However, with careful planning and discipline, it is possible to save enough money for your dream home. Here are 10 steps to...
FAQs
How does the mortgage application process work?
The mortgage application process involves several steps: Discovery call , verification of documents , pre-qualification, submitting an application, property appraisal, underwriting, and final approval. We guide you through each step to ensure a smooth process.
What factors influence my mortgage eligibility?
Mortgage eligibility depends on factors such as your credit score and history, income, housing related costs, other debt obligations , employment history, and the size of your down payment. We assess your unique situation to determine the mortgage options available to you.
What documents do I need to apply for a mortgage?
Typically, you’ll need proof of income, employment history, credit history, down payment verification, and property information. We provide a detailed checklist of required documents to streamline the application process.
What's the difference between a fixed-rate, an adjustable-rate and variable rate mortgage?
A fixed-rate mortgage maintains the same interest rate throughout the loan term, providing stability in monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that may change based on the prime rate set by the bank or lender, potentially affecting your payments.
With a variable rate mortgage, your payments don’t change but your interest rate might as the prime rate changes. When rates rise, you end up paying more interest and less principal. As a result, your amortization period may be impacted.
How much should I budget for closing costs?
Closing costs typically range from 1.5% to 4% of the home’s purchase price and can include fees for appraisal, home inspection, title insurance , land transfer tax , legal services, and more. We provide an estimate of your potential closing costs during the mortgage process.
What's default mortgage insurance, and do I need it?
Default mortgage insurance is often required if your down payment is less than 20% of the home’s value. It protects the lender in case of default. We help you understand whether mortgage insurance is necessary and how it impacts your mortgage.
What's the minimum down payment required to buy a home?
The minimum down payment to purchase a home in Canada is 5% of the purchase price for homes up to $500,000. For homes purchase price between $500,00 -$999,999 , the down payment is 5% of the first $500,000 of the purchase price. 10% for the portion of the purchase price above $500,000.
Purchase price $1 million or more, minimum of 20% downpayment is required.
I am self-employed, and my bank declined my mortgage application. Can you help me secure a mortgage?
Absolutely! Being self-employed can present unique challenges when applying for a mortgage. Banks often have strict income verification requirements. We specialize in working with self-employed individuals and have access to a network of lenders who understand your situation. We’ll help you navigate the process, gather the necessary documentation, and find a mortgage solution that suits your needs.
Get a Free Consultation
Feel free to contact me via this online form or text/email/call me if you are looking for help regarding home mortgage or you are just inquiring.