Whether you're buying your first home, renewing an existing mortgage, or refinancing to unlock equity, Shubham works directly with Canada's major lenders to bring you the sharpest rate for your file — not just the one you'd see on a rate-shopping site. Newcomer files, self-employed applicants and investor mortgages are all in his wheelhouse.
Estimate your monthly payment, understand what shapes your rate, and get honest guidance on Canadian mortgages.
Estimates only — actual payments depend on lender approval, term length, property tax, insurance and CMHC premium. Contact us for a rate-locked quote from one of our broker partners.
You're buying your first home in Canada. We help you compare 5%-down insured mortgages against 20%-down conventional options, and factor in the First-Time Home Buyer Incentive if you qualify.
Your term is ending? Don't sign the auto-renewal letter your lender sent. 70% of renewers who shop actually save. We negotiate for you in the 4 months leading up to renewal.
Break your existing mortgage to access equity, consolidate debt or reset your amortization. We run the break-penalty math so you know if refinancing actually saves money net of the penalty.
Non-owner-occupied properties price differently. Expect a rate premium (5-25 bps) and 20% minimum down. We work with lenders who understand rental income and portfolio strategy.
Line-of-Business income needs its own lender roster. Alt-A, B-lender and stated-income options exist — we'll tell you which door to walk through based on your Notice of Assessment history.
Less than 5 years in Canada? Big banks have specific newcomer programs with 5% down and no Canadian credit history required. We know which lenders welcome new-arrival files.
Auto-renewal is the highest-margin transaction a bank does with a homeowner. Most letters offer the posted rate, not the discounted one your file actually qualifies for. We shop your renewal across the Big Six + monoline lenders + credit unions — usually finding 25-75 bps of savings, sometimes more.
Start the conversation 120 days before renewal — that's the window where rate holds protect you from market moves without triggering a break penalty.
Book a Renewal ReviewShubham re-negotiated our renewal 5 days before we were about to sign the bank's letter. Saved us $47/month over the term. That's over $2,800 back in our pocket for a 30-minute chat.
Most Canadian buyers borrow between 65 % and 95 % of a home's purchase price. The amount you borrow is the principal. The interest rate is what the lender charges to loan it to you. Together they determine what you write a cheque for every month.
A larger downpayment shrinks the principal. A shorter amortization pays the loan off faster but raises the monthly cost. A lower rate saves you real money over 25 years — often tens of thousands.
Our brokerage works with mortgage partners who can lock a live rate, pre-approve you inside a day, and quote CMHC premiums against your exact downpayment and price. No obligation. No cost.
