Your bank shows you one product. Amit shows you the market.
A bank advisor can only sell that bank's mortgages. Amit sends your file to the lenders most likely to say yes at the best terms, then lays the options side by side.
Licensed mortgage agent serving Waterloo Region and the GTA
Don't sign the bank's offer until you've talked to Amit.
One call and he compares 40+ lenders for you: big banks, credit unions and monolines. Buying, renewing or refinancing, you get real options within a day, explained in plain English. No cost to you on standard mortgages.
- 5.0 on Google
- $110M+ funded
- 10+ years
40+lenders compared on every file
$110M+in mortgages funded
200+families and investors helped
120 daysrate holds available before you buy or renew
Why people call Amit before they call their bank
The rate is only half the deal.
Penalties, prepayment limits and portability can cost you more than a slightly higher rate. Amit flags the fine print before you sign, not after.
He picks up the phone.
Evenings and weekends included. When your offer is conditional and the clock is ticking, you get an answer the same day.
Renewing soon? Check your window.
Most lenders let you lock a rate up to 120 days before your renewal date. Start shopping inside that window and you keep the option to take a lower rate if one appears. Pick your renewal month.
What Amit can help with
-
First home
Pre-approval, down payment strategy, first-time buyer programs and 30-year amortizations.
Start a pre-approval -
Renewal or switch
Compare your lender's renewal letter against the market and switch if the numbers say so.
Check my window -
Refinance
Consolidate debt, fund a renovation, or lower your payment. Penalty math done first.
See if it's worth it -
Self-employed
Lenders that understand business income, write-offs and contract work.
Talk through my file -
New to Canada
Newcomer programs that work with limited Canadian credit history.
Ask about newcomer options -
Investment and private
Rental properties, HELOCs, and alternative lending when the bank says no.
Explore my options
Your bank vs. Amit
| Question | Your bank | Amit |
|---|---|---|
| Lenders compared | One | 40+ banks, credit unions and monolines |
| Who he works for | The bank | You. He is paid whichever lender wins. |
| Cost to you | Free | Free on standard residential mortgages |
| Self-employed or bruised credit | Often a no | Lenders built for these files |
| At renewal | A letter in the mail | A call 4 months ahead with options |
| Evenings and weekends | Rarely | Yes |
What happens after you call
A 15-minute conversation
What you're buying or renewing, your income, your timeline. No credit check yet.
Options within 24 hours
Two or three real lender options with rate, penalties and prepayment terms side by side.
Approval and rate hold
You choose. Amit submits, handles the lender's questions and locks your rate.
Closing, then renewal
He coordinates with your lawyer to close on time, then calls you four months before your next renewal.
What would your payment be?
Canadian semi-annual compounding, with mortgage default insurance added automatically when your down payment is under 20%. A quick estimate, not a quote.
For a real number based on your credit and income, ask Amit.
Hi, I'm Amit.
I've spent more than ten years helping Ontario families get into homes and out of bad mortgages, from first condos in Kitchener to move-up houses in Brampton. Over $110 million funded, across more than 200 files.
I'll tell you the truth about your options, even when the honest answer is "wait six months." I answer my phone, evenings and weekends included, because that's when most people have time to think about their mortgage.
I work with Dominion Lending Centres, which gives my clients access to one of the largest lender networks in Canada.
Some of the lenders Amit works with
Waterloo Region and the GTA
Meet in person, by phone, or on video. Every document can be signed online, so where you live never slows you down.
Waterloo Region and nearby
- Waterloo
- Kitchener
- Cambridge
- Guelph
- Brantford
Greater Toronto Area
- Toronto
- Mississauga
- Brampton
- Vaughan
- Markham
- Oakville
- Milton
Questions people ask first
Something else on your mind? Text Amit. He usually replies the same day.
Does it cost anything to work with a mortgage agent?
For standard residential mortgages, no. The lender pays Amit when your mortgage funds. If your file needs a private or alternative lender, there may be a fee, and you'll see the exact amount in writing before you commit.
Will a call hurt my credit score?
No. The first conversation involves no credit check. When you're ready for a pre-approval, Amit pulls your credit once and uses it to shop multiple lenders.
How early should I look at my renewal?
About four months before your renewal date. Most lenders will hold a rate for up to 120 days, so you can lock in early and still take a lower rate if one appears.
Can I switch lenders at renewal without re-qualifying?
Often, yes. Since November 2024, if you move your mortgage to a new lender at renewal without increasing the amount or amortization, you no longer need to pass the stress test again. Amit will confirm what applies to you.
I'm self-employed. Can I still get a good rate?
Often, yes. Several lenders accept tax returns or business bank statements and look beyond net income after write-offs. Going to the right lender first matters more than anything.
How fast is a pre-approval?
Usually one to two business days once Amit has your documents. You'll get a short checklist after your first call.