Home purchase mortgages

Buying a home in the GTA?

Buying a home — especially in a market like Toronto — is the biggest financial decision most people ever make. The difference between an average mortgage and the right mortgage can be tens of thousands of dollars over your term. As a licensed mortgage agent, I shop your application across banks, credit unions, monoline lenders, and alternative sources to find the strongest combination of rate, terms, and flexibility for your situation.

What I help with

• Pre-approval: know your true budget before you shop, and make offers with confidence.
• First-time buyers: down payment strategy, RRSP Home Buyers’ Plan, FHSA, land transfer tax rebates, and the 30-year amortization option for first-time buyers of new builds.
• Newcomers to Canada: specialized newcomer programs — you can qualify with limited Canadian credit history.
• Move-up buyers & investors: porting, bridge financing, and rental-property mortgages.
• Self-employed buyers: lenders who understand business-for-self income.

Why use a mortgage agent instead of your bank?

Your bank can only offer its own products. I work for you, not a lender — comparing dozens of options and negotiating on your behalf. My service is free for qualified borrowers: lenders pay me, not you. And with fluent English and Farsi, nothing gets lost in translation on the most important purchase of your life.