Mortgage solutions across the GTA and Ontario.

We place mortgages. Purchases, refinances, equity take-outs, debt consolidations, renewals, and files for self-employed borrowers that a bank branch will not spend time on. Residential work is the bulk of it; commercial and business-secured lending is a real part of the practice rather than a line on a page.

Because a brokerage is not an employee of any one lender, we are not limited to one institution’s product shelf. We compare what is available across chartered banks, monolines, credit unions and private lenders, and we present the file to the one whose criteria it actually fits.

Most of our business comes from referrals, which is a constraint as much as a compliment — it means a client who feels misled costs us the next five files. So we tell people what we cannot do as clearly as what we can. Approval is always the lender’s decision. Rates move. Some files should not be done at all, and we will say so.

On a standard residential file the lender pays the brokerage, so there is no cost to you. Where a file does carry a brokerage or lender fee — private and some alternative lending — it is disclosed to you in writing before you commit to anything.

Navneet Vaid is a mortgage agent licensed by the Financial Services Regulatory Authority of Ontario (FSRA), and deals through the licensed brokerage named in the footer of every page on this site. Navneet Vaid is not a brokerage and holds no brokerage licence. The brokerage’s legal name and licence number appear on every page, every email and every message we send, because that is what the rules require and because you should be able to check.