Building Wealth
Through Smart
Mortgage Solutions
Self-employed income, complex files, and deals other brokers turned down — handled properly, from first conversation to funded.
Straightforward or complicated
Self-employed income, multiple properties, newcomers, and deals other brokers turned down are exactly where a broker earns their keep.
The rate is the starting point
A broker shops many lenders for the rate and the terms that actually fit — penalties, prepayment room, and portability all cost money later.
3.49%
Your actual rate depends on your file — income type, credit, property, and term. Pre-qualifying takes minutes and doesn't touch your credit score.
Get Your Rate| Term | Rate | Est. monthly |
|---|---|---|
| 1 Year Fixed | 4.29% | $2,720/mo |
| 2 Year Fixed | 3.94% | $2,623/mo |
| 3 Year Fixed | 3.94% | $2,623/mo |
| 4 Year Fixed | 4.14% | $2,678/mo |
| 5 Year Fixed | 4.09% | $2,664/mo |
| 5 Year Variable | 3.49% | $2,500/mo |
Illustration purposes only — not a rate quote. Everyone's rate is unique and depends on your full application.
Where a broker earns their keep
Three things that change the outcome on a file — before a lender ever sees it.
A second look, not a dead end
A single bank sees one set of rules. Rohit reviews your whole file and looks for approval paths through the right lender — so a no from one door isn't the end of the search.
- Access to 50+ lenders, not one rulebook
- Full file review before anything is submitted
- Alternative and private options where they fit
- No credit check to start the conversation
Your income, told the right way
Business owners and contractors get turned down for how their income reads, not what they earn. Rohit structures your file so lenders see the real, qualifying picture.
- Business and contract income structured properly
- Add-backs and retained earnings accounted for
- Document checklist prepared up front
- Matched to lenders who understand the income type
The full cost, before you commit
Pulling equity or rolling in high-interest debt can help — or quietly cost more. Rohit walks through the real numbers so you decide with the whole picture in front of you.
- Penalties and prepayment terms explained
- Total cost over the term, not just the rate
- Renewal and refinance compared side by side
- Written breakdown before you sign anything
The files banks send back
Self-employed income, a decline that wasn't final, a portfolio at its limit. These are the files that need a broker rather than a branch.
What clients say
Every review below is a real, published five-star Google review.
Reviews are reproduced as published on Google, including original spelling. Excerpts are marked and shortened only for length. No compensation was provided. Individual results vary — past outcomes are not a guarantee of approval, rate, or timeline.
Straight answers
Before you commit to anything. No pressure, no jargon.
No. Pre-qualification is an estimate — it doesn't involve a hard credit pull, so there's no impact to your score.
That's exactly when a broker helps. Rohit works with many lenders and looks for approval paths a single bank can't offer.
Yes. The key is structuring how your income is presented. Rohit prepares your file so lenders see it the right way.
For most residential mortgages, the lender pays the broker — so Rohit's guidance typically costs you nothing.
Rohit works with clients across Alberta and Saskatchewan, in person and remotely.
Know before you sign
Plain-language guides to qualifying, rates, and the parts of a mortgage that cost people money.
Let's build your wealth
Building Wealth Through Smart Mortgage Solutions. Every file starts with a conversation — no credit check, no obligation.