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

Supriya Dhar

2024-01-05

We got an opportunity to work with Saurav for our 1st home in Canada. He is very good and very proactive. He is extremely clear with the documentation required and has immense patience to clarify all our doubts. He got us the best rates possible in this ever changing real estate financing market. Highly recommended for anyone looking out for mortgages in Canada!

Supratik Dey

2024-01-04

We were 1st time home buyers who were clueless on home buying, finances etc and Saurav helped us a lot. He was very patient and explained every step in detail and stood with us till the last minute. In this volatile real estate scenario in Canada, it is very important that you find a mortgage broker who understands your situation and advices the best for you. Will definitely recommend him to anyone looking for mortgages.

Disha Sampat

2023-12-14

I got an opportunity to work with Saurav for my mortgage. He is very good , very responsive. He got me best rates. He guided me very well during the whole process. I will definitely work with him in future and share his contact with anyone who wants to work on mortgages.

neha koradiya

2023-12-06

I recently worked with Saurav Masand for my mortgage loan. From beginning to end, he was informative, extremely thorough and attentive and because of him we got the best deal. I would highly recommend him for any of your mortgage needs. Don't go anywhere else. Saurav is the best. I highly recommend his services.

Jay Patel

2023-10-13

Saurav is a professional yet personable Mortgage Broker who went above and beyond to help me with my mortgage renewal. He always provided his honest opinion to look out for my best interests, while having the expertise to answer all of my questions. Would 100% work with him again for all of my mortgage needs!

Ritika Gandhi

2023-09-22

As first time home buyers, we entered in this housing market looking for our new house. Seeing such market conditions, we didn’t have much idea about the overall mortgage process. So Saurav helped us with all our mortgage related requirements. He patiently helped us with our numbers every time we wanted to put an offer. He guided us through the entire process and it went very smoothly. He got us the best rates in this market condition. He made sure we were secured from a mortgage point of view. Thank you sooo much Saurav 🙏🏻 I would definitely recommend him👍

Kapil Gandhi

We were frist time home buyers, & we were looking out for a mortgage agent. Saurav helped us from start to end with the mortgage process he was very patient and understanding. He made sure that the entire transaction went very smoothly. Seeing other mortgage agents who don’t have your best interest at heart. Saurav helped us with the clear vision and got us the best rates in this economy. I would definitely recommend him for any mortgage related topics.

surmeet singh

2022-04-22

Happy to work with him. Work was done in timely manner. Highly recommended.

saiyam bhatt

2021-08-18

Great service! I highly recommend him for anyone looking for a mortgage

Andy Lo

Extremely knowledgeable and helped us throughout the whole process. Really appreciate all the help and will be coming back again and again for future transactions as well!

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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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