Mortgage Agent Level 2 · Ontario
Meet Komal.
Your mortgage guide.
Buying, renewing or refinancing, you get clear options from many lenders and one person who explains every step in plain language.
- Many lenders, one application
- No cost for most mortgages
- Serving all of Ontario
Komal
Komal Chhabra
Mortgage Agent Level 2
How I can help
One guide for every stage of home ownership.
Whatever you're planning, you get options from across the market and a clear recommendation.
First-Time Buyers
From pre-approval to keys, with every program you qualify for built into the plan.
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Refinance & Equity
Use the equity in your home to consolidate debt, renovate or invest.
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Renewals & Switches
Don't sign the renewal letter before you've seen what else is out there.
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Self-Employed & New to Canada
Income that doesn't fit a bank's checklist can still qualify.
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Private & Alternative
Short-term solutions when traditional lenders say no, with a plan to get back.
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Calculators & Tools
Payments, down payment, land transfer tax and equity, worked out in seconds.
Learn moreWhy work with a mortgage agent
Your bank offers its own mortgages. I look at the market for you.
Going to one bank
- One lender's products and rates
- You repeat the application at each bank
- Advice comes from the lender's side of the table
- You find out about alternatives on your own
Working with Komal
- Many lenders compared in one conversation
- One application, used wherever it fits best
- Advice built around your goals and your budget
- Options for self-employed, newcomers and bruised credit
For most standard residential mortgages the lender pays the brokerage, so my advice costs you nothing. If a fee ever applies, such as on some private mortgages, you see it in writing before you commit.
Side by side
Every option on the table.
Explained before you sign.
You see each lender's rate, payment, penalties and flexibility laid out together, so the choice is yours and it's an informed one.
- A written summary of every option
- The total cost, not just the rate
- No surprises on closing day
The 5-Star Service Promise
Five things you can hold me to.
A promise, not a rating: this is the standard of service every client gets.
Clear answers
Every option explained in plain language, with the numbers side by side.
Real choice
Banks, credit unions, monoline and alternative lenders, not one lender's shelf.
Honest advice
If waiting, staying or doing nothing is the better move, I'll say so.
One point of contact
You deal with me from the first call to closing day. No hand-offs.
Here after closing
A check-in before every renewal, so your mortgage keeps fitting your life.
How it works
From first call to closing day in four steps.
- 01
A 20-minute call
Tell me what you want to do. I ask about income, down payment and timing, and tell you honestly where you stand.
- 02
Your options, side by side
I take your file to the lenders that fit and bring back clear choices: rate, payment, penalties and flexibility.
- 03
Approval and paperwork
I handle the lender, the documents and the deadlines, and keep you updated at every stage.
- 04
Closing and beyond
You get your keys or your funds. Before each renewal I check in, so you never renew on autopilot.
Free tools
Run your numbers before we talk.
Estimate your payment, minimum down payment, Ontario land transfer tax and available equity. No sign-up needed.
Common questions
Straight answers before you ask.
What does it cost to work with you?
For most standard residential mortgages, nothing: the lender pays the brokerage when your mortgage closes. If a fee ever applies, for example on some private mortgages, it's disclosed to you in writing before you commit.
Will checking my options hurt my credit?
I review your situation first and only request a credit report when you're ready to move forward. One report can be used for the lenders that suit your file, so you're not applying bank by bank.
What does Mortgage Agent Level 2 mean?
It's an Ontario licence class regulated by FSRA. A Level 2 agent can arrange mortgages with every type of lender, including banks, credit unions, alternative lenders and private lenders.
Which areas do you serve?
Clients anywhere in Ontario. Calls, documents and signatures can all be handled remotely, or in person at the Mississauga office.
When should I first speak to you?
Earlier than you think. For a purchase, before you start viewing homes. For a renewal, about four months before your term ends.
Let's talk it through
Ready when you are.
A 20-minute call is enough to know where you stand and what your next step is.