Ontario mortgage guidance

More choice.
Clear direction.
A mortgage built around you.

Personalized mortgage advice for buyers, homeowners and investors across the Greater Toronto Area.

Start a conversation Call (289) 689-9705
Nirav Devdat Shah, Mortgage Agent Level 1
Nirav Devdat ShahMortgage Agent Level 1 · FSRA #13812
5Core mortgage services
1:1Direct guidance
OntarioLicensed service
GTALocal focus
Featured services

Financing for the move you are making now.

From a first purchase to a strategic refinance, every recommendation starts with your goals, your timeline and the terms that matter beyond the headline rate.

02 / BUSINESS

Commercial Mortgage

Financing routes for eligible commercial and mixed-use properties, reviewed on their own merits.

See commercial guidance →
03 / RESTRUCTURE

Refinance & Equity

Review ways to restructure your mortgage, access equity or consolidate higher-cost debt.

Compare your options →
Testimonial highlights

Client stories belong in their own words.

This space is reserved for approved, verified feedback. Until then, the prompts below show the stories future testimonials can help tell.

Home purchase

Testimonial placeholder — add a verified client quote about feeling informed and confident through a home purchase.

Refinance

Testimonial placeholder — add a verified client quote about comparing options and understanding the full cost.

Closing support

Testimonial placeholder — add a verified client quote about responsive support from first call through closing.

Placeholders are intentionally not presented as real client reviews.

Let’s make your next mortgage decision clearer.

Start with a no-pressure conversation about your plans.

Request a call back
About Nirav

Mortgage advice with a human point of view.

Direct, clear guidance from your first question through closing—and beyond.

Portrait of Nirav Devdat ShahMortgage Assurance — Your Home Brokerage, FSRA #13812
Nirav Devdat Shah · Mortgage Agent Level 1 · Ontario
Your mortgage agent

Nirav Devdat Shah

I help clients across the Greater Toronto Area navigate mortgage decisions with a clear process and straightforward explanations. Whether you are buying, renewing, refinancing or planning an investment, my role is to help you understand the trade-offs—not rush you into a one-size-fits-all answer.

Every file begins with listening: where you are today, what you want to accomplish and which constraints need to be respected. From there, we can compare relevant structures and move forward with purpose.

01
Listen before recommending

Your income, property, timing and comfort with risk shape the right direction.

02
Explain the complete picture

Rate matters, but so do penalties, prepayment terms, flexibility and qualification.

03
Stay available

You have one point of contact to help coordinate questions and next steps.

Professional designationMortgage Agent Level 1
Licence referenceFSRA #13812
Service areaGreater Toronto Area
Instagram@mortgages_with_nirav

Bring your questions. Leave with a clear next step.

A focused first conversation can help put your options into perspective.

Talk with Nirav
Mortgage services

Five ways to move your property goals forward.

Purpose-built guidance for purchasing, refinancing, accessing equity and simplifying debt.

01

Residential Mortgage

  • Home purchase
  • First-time buyer
  • Investment property

Explore mortgage structures for a principal residence, next home or residential investment. We review your down payment, income, debts, timeline and the property itself to identify appropriate lender routes and help you understand the terms.

02

Commercial Mortgage

  • Commercial
  • Mixed-use
  • Property finance

Commercial files are assessed differently from residential applications. We look at the property, business or lease income, borrower profile and transaction structure to determine which financing paths may be suitable.

03

Refinance

  • New structure
  • Term review
  • Cash-flow goals

Refinancing may help you restructure an existing mortgage, change its terms or support another financial goal. A full comparison should include potential penalties, fees and the total cost—not just the new payment.

04

Equity Take Out

  • Renovations
  • Investment
  • Major plans

If you have available home equity, you may be able to access part of it for a major project or investment. We review qualification, borrowing costs, repayment and how the change affects your overall mortgage position.

05

Debt Consolidation

  • Simplify payments
  • Cost review
  • Equity strategy

Consolidating higher-cost debts into mortgage financing can simplify payments, but it can also extend repayment over a longer period. We examine the complete cost and whether the strategy fits your circumstances.

Not sure which service fits?

Describe your goal and Nirav can help identify the right starting point.

Describe your situation
Rates & options

Look beyond the number on the rate sheet.

The best fit balances rate, flexibility, qualification and the real cost of changing plans.

Fixed or variable

Two different ways to manage rate movement.

Neither option is automatically better. The right choice depends on your budget, risk tolerance, timeline and the specific contract terms available to you.

Fixed-rate mortgage

Your contract rate remains the same for the selected term, helping make regular payments more predictable.

Often suits
Borrowers who value payment certainty and easier long-term budgeting.
Review carefully
Prepayment limits, early payout penalties, portability and term length.

Variable-rate mortgage

Your rate can move with the lender’s prime rate. Payment behaviour varies by product and lender.

Often suits
Borrowers comfortable with rate movement who understand the product’s mechanics.
Review carefully
How payments respond to change, trigger provisions, conversion options and penalties.

Open mortgage

Offers more freedom to repay the balance before the end of the term, typically at a higher rate than a comparable closed option.

Closed mortgage

Usually offers a lower rate with defined prepayment privileges and penalties for paying out beyond those limits.

Getting the best fit

A stronger rate decision starts with context.

Compare the full contract

Review penalties, privileges, portability and flexibility—not only the advertised rate.

Prepare a complete application

Organized income, down payment, property and credit documentation helps lenders assess the file.

Match the term to your horizon

Consider possible moves, refinancing needs and life changes before committing to a term.

Mortgage FAQ

Clear answers to common mortgage questions.

Start with the essentials, then get advice tailored to the details of your own application.

What credit score do I need?

There is no single score for every mortgage. Lenders consider credit history alongside income, debts, down payment, property and the overall application. Some solutions may be available outside standard lender guidelines.

How much can I afford?

Affordability depends on income, current debts, down payment, property costs, interest assumptions and lender qualification rules. A focused review can provide a more useful range than a generic calculator.

How much down payment is required?

The minimum depends on the property price, occupancy, mortgage type and applicable insurer or lender rules. Closing costs should be planned separately from the down payment.

What closing costs should I plan for?

Depending on the transaction, costs may include legal fees, appraisal, home inspection, land transfer tax, adjustments and moving expenses. Your lawyer and other professionals can confirm transaction-specific amounts.

How long does mortgage approval take?

Timing varies by lender, application complexity and how quickly documents are available. Appraisals, property review or additional documentation can add time, so early preparation helps.

Should I choose fixed or variable?

It depends on your tolerance for rate and payment changes, your timeline and the exact terms offered. Compare cost, flexibility and risk rather than choosing from the rate alone.

What is a mortgage pre-approval?

A pre-approval is an early review of your financial information and may include a conditional rate hold. It is not a final approval: the property and updated borrower documents still need to satisfy lender requirements.

Can I refinance before my term ends?

Possibly. The analysis should account for your existing mortgage penalty, legal or appraisal costs, qualification and whether the new structure improves your overall position.

Your situation deserves a specific answer.

Talk through the details directly with Nirav.

Request a call back
Contact Nirav

Start with a conversation, not an application.

Tell me what you are working toward and I will help you identify the next useful step.

Direct contact

Let’s talk about your mortgage goals.

Call, email or use the form to prepare a message in your email app. There is no pressure and no obligation.

Phone(289) 689-9705
Emailnirav.mortgage@gmail.com
Instagram@mortgages_with_nirav
Office5225 Orbitor Dr, Unit #19
Mississauga, ON L4W 4YB
This opens your email app with a prepared message addressed to Nirav.

Your email app should open with the message ready to review and send.