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 Chhabra, Mortgage Agent Level 2

Komal

Komal Chhabra
Mortgage Agent Level 2

5-Star Service PromiseFive commitments, every client
Licensed in OntarioMortgage Assurance · FSRA #13812
Banks, credit unions and alternative lendersPurchases, renewals and refinancesLicensed through Mortgage Assurance Inc.Serving clients across OntarioAdvice in plain languageOne point of contact, start to finish

Why 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.

Couple reviewing mortgage paperwork with an advisor

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

How it works

From first call to closing day in four steps.

  1. 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.

  2. 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.

  3. 03

    Approval and paperwork

    I handle the lender, the documents and the deadlines, and keep you updated at every stage.

  4. 04

    Closing and beyond

    You get your keys or your funds. Before each renewal I check in, so you never renew on autopilot.

Calculator and model house on a mortgage document

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.