Prepayment penalty
What the contract says
What it costs to break your mortgage early. We check it before you sign, not after.
About Komal
I don't sell mortgages.
I translate them.
A mortgage is the biggest financial decision most families make, and it usually arrives wrapped in jargon. My job is to turn it into choices you understand and feel good about.
What working with me sounds like
The fine print, in plain print.
Fine print. Plain print.
Hard sell. Honest advice.
Radio silence. Fast replies.
One-size loans. Your-size plans.
Loan-to-value (LTV)
What the lender calculates
How much you owe compared with what your home is worth. It decides your options.
Pre-approval
What the bank offers
A lender's written estimate of what you can borrow, with a rate held while you shop.
Fixed vs variable
What everyone argues about
Certainty versus flexibility. The right answer depends on your plans, not the headlines.
Amortization
What the schedule shows
How many years it takes to pay off the mortgage. Longer means lower payments and more interest.
Closing costs
What surprises buyers
Legal fees, land transfer tax and adjustments due on closing day. We budget for them up front.
My approach
Your goals first.
The mortgage second.
I start with what you're trying to do: buy your first home, lower your payments, free up cash or get through a tight year. Then I find the mortgage that serves that plan.
Sometimes the best advice is to wait, to stay with your current lender or to change nothing. You'll hear that from me when it's true.
- A written summary of your options, not a verbal pitch
- The total cost of each option, not just the rate
- Penalties and restrictions explained before you sign
- Updates at every stage, so you never have to chase
- A review before every renewal
The team behind me
Independent advice, backed by a licensed Ontario brokerage.
Mortgage Assurance Inc.
I'm licensed through Mortgage Assurance Inc., an Ontario mortgage brokerage (FSRA Licence #13812) with residential and commercial lending experience.
Mortgage Agent Level 2
My licence class lets me arrange mortgages with every type of lender in Ontario, including private lenders when a short-term solution is the right one.
Across Ontario
Based at the Mississauga office and working with clients province-wide by phone, video and secure document upload.
Let's talk it through
Let's see where you stand.
A 20-minute call is enough to know where you stand and what your next step is.