Think outside the branch for your Mortgage

New Mortgage

Need a new mortgage? I'll help you pick the right fit for you and your budget.

Renewal

When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.

Refinancing

Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!

Private Mortgage

When the Bank says No, we say Yes! Tons of Private Mortgage solutions are available.

Types of Mortgages

A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either 3 months simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

A variable-rate mortgage allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

A secured line-of-credit allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only, making it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage, if you have good equity in your home.

We had a fantastic experience working with Rajan Saggi as our mortgage broker. He secured a great mortgage rate for us and ensured a smooth and timely closure. Rajan was always professional, responsive, and proactive throughout the process, making what could have been stressful feel easy and efficient. We truly appreciated his expertise and support. Highly recommended to anyone looking for a reliable and knowledgeable mortgage broker!

shveta sharma

3 days ago

10/10 – Highly Recommend Rajan! Rajan was seriously amazing to work with. He was super helpful and professional, and he guided me through the entire mortgage process from start to finish. What really stood out was how responsive he was—no matter what time of day, he was always there to answer my questions and walk me through anything I needed. He was so attentive and supportive the whole way through. I felt like I had someone in my corner the entire time, which made a huge difference. Honestly, I can't recommend Rajan enough. If you’re looking for a mortgage consultant who’s reliable, knowledgeable, and truly cares, he’s your guy.

Toper Ravadilla

2 months ago

Very professional and approachable Person. Rajan helped us to achieve our first home without any hassle.Entire buying process went smoothly with his timely advice and clear instructions. We highly recommend his service to anyone Will definitely return to him for our future buying… Thank you so much from the bottom of heart …

minnu maria

7 months ago

Rajan ji recently helped us secure a Mortgage for our dream house. When all hope was lost due to everyone telling us we won’t be able to get a mortgage from a ‘ A ‘ lender due to the high mortgage amount we needed for our house, Rajan ji did his magic and helped us not just get the mortgage but with a great interest rate and in a timely manner. We are grateful for your service and will always be our first choice for any Mortgage related matters. Thank you Rajan.

Sandeep Sharma

10 months ago

My family has been dealing with Rajan since 2018 and we had great and timely service each time.

Lalit Kumar

1 year ago

Rajan is one of the best out there. I’ve worked with him on a few deals and the guy is very professional, very fast on taking action, pointing out potential red flags and blockers at the earliest. He gets work done well in time and makes sure to get the best suitable deal for any given case. From first time home buyers to serial investors, highly recommended!

UTKARSH TYAGI

1 year ago

My partner and I had a fantastic experience working with Rajan. He is highly knowledgeable, responsive, and guided us seamlessly through the entire mortgage process. His expertise made securing our first mortgage a smooth and stress-free experience. He is courteous and respectful in his dealings. We highly recommend his services.

Lovepreet Kaur

1 year ago

Rajanji..thank you for being honest to the people who come to you. No false promises always crystal clear with the details, the best decision we’ve made in the process of buying our first house is believing in him. His commitment towards his clients is true and very much appreciated. Would definitely recommend him to all our family and friends.

Swetha Reddy

1 year ago

Calculate Your Mortgage

Payments

Mortgage Amount

Annual Interest Rate (%)

Length of Loan (years)

Result

Mortgage Qualifier

Purchase Price of House

Down Payment (%)

Total Down Payment ($)

CMHC (Mortgage is over 80% of property value)

Anticipated Annual Interest Rate (%)

* Borrowers must qualify for a rate 2% higher than they actually receive to a minimum of 5.25%. Increase the rate above by 2% to see what you qualify for under the new "stress test" rules.

Annual Property Tax and Heating Cost.

Anticipated Length of Loan (years)

Result

Rent vs Buy

Number of years you will stay at this property

Monthly Rent

Purchase Price of Home

Downpayment

Length of Mortgage (Years)

Mortgage Interest Rate %

Annual Property Taxes

Average Monthly Maintenance

Expected Annual Inflation Rate %

Interest Rate You Expect To Earn On Savings %

Expected Annual Appreciation Rate On Your Home %

Realtor Commission Rate %