Services and Solutions

Home Purchase

The purchase of a home is the largest purchase most people make during their lifetime

I want to make each and every purchaser aware of the many mortgage options available to them prior to their purchase and closing date.

Now, more than ever, financial institutions are regularly launching new products and programs, making it easier to get into that new home sooner. Today, interest-only loans, self-employment programs, rental purchase programs, vacation property programs, and a host of other innovative financing alternatives are dotting the home purchase landscape, making homeownership a reality for more people than ever.

Whether you are first-time buyer or an experienced buyer with excellent credit, I have access to the very best products and rates available across Canada. Give me a call… I am sure, you’ll be pleasantly surprised!

Refinancing is a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Canadians today face many reasons to refinance their mortgage. You may need to pull out equity from your home for consolidating debt, home improvements, investments, college expenses, or may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate. Reasons could be many but refinancing is a great option to access funds at a low interest cost.

Let me help you access the equity in your property to make your dreams turn into a reality.

Refinance

Commercial Lending and Leasing

Commercial Mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income producing properties and offer a flexible way to raise capital

Some common commercial mortgage products provide funding for:

· Income properties

· Multi-residential properties

· Bridge financing

· Restaurants

· Industrial properties

· Office properties

· Self storage

· Retail malls

· Raw land financing

· Start ups financing

· Debt consolidation

I can help you in discovering multiple ways to structure lease financing for new equipment, a sale-lease back to extract capital from existing assets, or solve other equipment acquisition opportunities. As a mortgage professional, I can use commercial and residential mortgage and property credit-line products alone or in combination with lease-financing to help you achieve the best solution for equipment acquisition.

While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals

By omitting proper consideration at the time of renewal, this practice costs Canadian citizens thousands of extra dollars every year. Nearly 60% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate.

Homeowners should never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is unnecessarily costing the homeowner a lot of money on their mortgage.

Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires. Many lenders send out your renewal letter very close to the time that your term expires and this does not give you ample time to arrange for a mortgage term through a different lender. This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.

Before you ever hear from your lender about renewing your mortgage term, have me shop around for you, you will be amazed at what I can accomplish on your behalf!

Your mortgage is one of your biggest expenses. For this reason it is imperative to find the best interest rates and mortgage terms you possibly can. By shopping around at renewal time you can save substantial amounts of money over the life of your mortgage loan. Don’t be one of the 60% who just simply sign their renewal letter and send it back. Use my services to ensure the lenders compete for your business.

Mortgage Renewals

Somesh Agrawal

2024-09-23

It’s been a great pleasure working with Saurav in regards to our mortgage matter. He is very professional, knowledgeable and always prompt in responses. Saurav is always looking after his clients making sure everything is stress free! Overall, I highly recommend Saurav to anyone in need of a knowledgeable mortgage broker.

Jennifer Tran

2024-08-18

Saurav was fantastic to work with! His professionalism and dedication made securing my mortgage easy. I highly recommend!

Sunny

2024-08-15

Working with Saurav Masand was a fantastic experience. He is professional, efficient, and made the entire mortgage process incredibly smooth. He was always available to answer my questions and guided me through every step with ease. I truly appreciated his expertise and attention to detail. I highly recommend him to anyone looking for a reliable and knowledgeable mortgage advisor.

Parmeet Singh

2024-06-29

It was a pleasure working with Saurav! He was always available to answer any queries I had and was very patient in explaining everything. Would 10/10 recommend him.

Dylan Britton

Saurav and his team went above and beyond securing a mortgage for our first home. They are extremely professional, friendly, knowledgeable and hard working. Even when we were satisfied with our original rate they kept going back and negotiating an even better one for us. We are extremely excited and cannot say enough good things about Saurav. Buying a home can be an extremely stressful time in a persons life but he made the mortgage aspect one thing we didn’t have to stress over. Thank you so much for all the hard work Saurav!!!

Viral Bhatt

2024-06-12

Professional and well experienced, helped and guided us through mortgage process. I will definitely recommend him.

Chandrahasa Reddy

2024-05-30

I want to extend my gratitude to Saurav, who played a crucial role in ensuring my mortgage application process went smoothly. Saurav was always available to answer my questions, provide updates, and offer guidance whenever I needed it. His exceptional communication skills, patience, and friendly demeanor made a significant difference in my overall experience. He worked seamlessly with Kishore to ensure a swift and successful outcome. I appreciate Saurav's dedication, expertise, and support throughout the process. I highly recommend him to anyone seeking a hassle-free mortgage experience. Thank you, Saurav, for your outstanding support!

rahul b

2024-05-17

The service provided by Saurav is excellent. He did handholding at every step of the mortgage process and cleared all my doubts on time. He was very accommodative on my requests and even provided suggestions on what is the best option. It’s because of Saurav my mortgage application is successful today. I highly recommend him for any of your mortgage needs.

Jatinderpal Sadana

2024-04-30

Saurav, his affable demeanor and in-depth knowledge makes him a great Mortgage advisor. He is always available, good listener and provides the best possible rates as per client profile. The Father Son duo make a great team and make client dreams work into reality. He managed to get me the best rate basis my complex profile with a reputed lender. Thank you 😊

Beenti Bhavsar

2024-03-16

I had the pleasure of collaborating with Saurav Masand for my mortgage loan. Throughout the process, he consistently provided valuable insights, meticulous attention, and ensured we secured the most favorable deal. I wholeheartedly endorse him for all your mortgage requirements. Look no further, Saurav is truly exceptional and I highly recommend his services.

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Services and Solutions

Home Purchase

The purchase of a home is the largest purchase most people make during their lifetime

Refinancing is a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Refinance

Commercial Lending and Leasing

Commercial Mortgages are designed for businesses and investors who wish to purchase or refinance commercial, income producing properties and offer a flexible way to raise capital

While most Canadians spend a lot of time, and expend a lot of effort, in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals

Mortgage Renewals

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