Get a mortgage that fits how you actually earn — and where you actually come from.

I work with self‑employed borrowers, first‑time buyers and newcomers to Canada — the three groups banks are slowest to say yes to. I compare banks, credit unions and alternative lenders so you don't have to guess.

Book my free review Call 519‑546‑6669

Self‑employed & alternativeNOA averaging, add‑backs, B‑lender options when banks say no.

First‑time buyersFHSA, RRSP Home Buyers' Plan, and a real closing‑cost number.

New to CanadaNewcomer lender programs and how to build Canadian credit fast.

Who this is for

Three situations I work with every week

Self‑employed

Self‑employed & alternative income

2‑year Notice of Assessment average, or 1‑year with documented add‑backs
B‑lender and alternative options when a bank declines you
A document checklist prepared 6–12 months before you apply

First‑time buyer

Buying your first home

FHSA and RRSP Home Buyers' Plan, explained in plain terms
Minimum down payment and CMHC insurance, in real numbers
A closing‑cost estimate before you write an offer

Newcomer

New to Canada

Newcomer mortgage programs for limited Canadian credit history
A plan to build Canadian credit while you shop for a home
Straight answers on what lenders need from your employment record

How it works

Three steps, start to pre‑approval

Free 15‑minute review

We go through your income, credit and goals so I know exactly what you qualify for.

Matched options

I compare rates and lenders — banks, credit unions, and alternative lenders if needed.

Pre‑approval in hand

You shop for a home, renew, or refinance with a clear, confirmed number behind you.

Get in touch

Request your free review

Call now519‑546‑6669→ Text meFastest reply, usually same day→ Email directlyinfo@nandanpatel.ca→

Full name

Phone

I am a…

Best time to reach me

This sends your details straight to Nandan's inbox. Nothing is stored on this page.