Plan Your Financing with Confidence
Access 50+ lenders, competitive rates, and expert guidance for your home purchase or investment property across Mississauga and the GTA.
Plan Your Payments
Results are estimates only and assume a fixed interest rate for the full amortization period. Actual payments will vary. Consult a mortgage specialist for personalized advice. Does not include CMHC premiums, property taxes, or insurance.
Every Situation Covered
From first-time buyers to seasoned investors — access the full range of mortgage products through Amir's trusted lender network.
Rate and payment stay the same for your entire term — ideal for buyers who value predictability and protection from rate increases. Best suited for first-time buyers and longer terms.
Lower initial rate that follows the prime rate, offering flexibility and potential savings. Historically advantageous over the long term for buyers comfortable with rate fluctuations.
Shop with confidence knowing exactly what you can afford. Lock in today's rate for 90–120 days while you search, and strengthen your offer in competitive situations.
Your renewal date is a powerful negotiating moment. Review your options 90–120 days before renewal to potentially save thousands by switching lenders or renegotiating terms.
Access your home equity, consolidate high-interest debt, or take advantage of lower rates. A refinance can unlock substantial savings and improve your overall financial position.
Specialized financing for rental properties, multi-family homes, and commercial assets. Includes DSCR mortgages, portfolio lending, and programs for self-employed investors.
Step by Step
A clear, five-step path from initial inquiry to closing day — with Amir's team guiding you at every stage.
A quick, informal estimate of your borrowing power based on income, debts, and down payment. Takes minutes and gives you a realistic budget range before you begin your search.
A formal commitment from a lender based on verified income, credit score, employment history, and assets. Rates are locked for 90–120 days and your offer carries significantly more weight.
Shop with complete confidence knowing your budget and financing is secured. Make strong, competitive offers knowing your financing is in order and conditions are minimal.
After your offer is accepted, the lender conducts a property appraisal and satisfies remaining conditions. Your mortgage specialist coordinates all documentation to meet the closing deadline.
Sign documents at your lawyer's office, funds are transferred, and you receive the keys to your new home. We celebrate with you at the finish line after guiding you every step of the way.
Your Advantage
Amir's mortgage connections give you access to options that go far beyond your local bank branch.
Major banks, credit unions, trust companies, and monoline lenders all competing for your business.
Our mortgage contacts are paid by the lender — their advice and service costs you nothing.
Stated income, bank statement programs, and alt-lenders for business owners and contractors.
Specialized mortgage options for newcomers and permanent residents without full Canadian credit history.
DSCR mortgages, portfolio lending, and creative financing structures for rental and commercial acquisitions.
Full access to chartered bank products alongside lower-rate credit union options in one conversation.
Amir connects you with the right mortgage specialist for your situation — no obligation, no fees, no pressure. One conversation could save you tens of thousands over your mortgage term.
(905) 276-3000 Submit Mortgage InquiryOr email amir@amirrehmani.com
Common Questions
Clear answers to the mortgage questions we hear most from GTA home buyers and investors.
Your borrowing capacity is determined by your gross household income, existing debts, down payment amount, and the stress test rate. The Gross Debt Service (GDS) ratio must not exceed 39% and the Total Debt Service (TDS) ratio must not exceed 44% of gross income. To apply the stress test, you must qualify at the higher of your contract rate plus 2%, or the minimum qualifying rate of 5.25%. A quick call with our mortgage contacts will give you a firm number based on your actual situation.
The minimum down payment in Canada depends on the purchase price. For homes priced under $500,000, the minimum is 5%. For homes between $500,000 and $999,999, it's 5% on the first $500,000 and 10% on the remainder. Homes at $1,000,000 or above require a minimum 20% down payment and are not eligible for CMHC mortgage insurance. First-time buyers can access programs including the First Home Savings Account (FHSA) and the RRSP Home Buyers' Plan to boost their down payment.
CMHC (Canada Mortgage and Housing Corporation) mortgage insurance is required when your down payment is less than 20% of the purchase price. It protects the lender — not you — against default. The premium is added to your mortgage balance and is calculated based on your loan-to-value ratio: 2.80% for 15%–19.99% down, 3.10% for 10%–14.99% down, and 4.00% for 5%–9.99% down. On a $750,000 home with 10% down, the CMHC premium would be approximately $20,925.
The answer depends on your risk tolerance, budget flexibility, and where interest rates are in their cycle. Fixed rates offer payment certainty and protection from rising rates — ideal for buyers on tight budgets or those planning to stay long-term. Variable rates historically save money over the long run but require comfort with fluctuating payments. When rates are high and expected to fall (as in the current environment), variable can be particularly advantageous. Our mortgage contacts will walk you through current rate spreads and your specific options.
Yes. Self-employed borrowers have several mortgage pathways. Traditional qualification uses 2 years of filed T1 General tax returns plus Notice of Assessment. Stated income programs allow you to declare income based on reasonableness for your industry without full tax documentation, typically requiring a 10–20% down payment. Bank statement programs (through alt-lenders) use 12–24 months of business deposits as proof of income. Amir's mortgage network includes specialists who work with self-employed clients every day and understand how to structure your application for approval.
The mortgage stress test requires that you qualify at the higher of your contract rate plus 2%, or the minimum qualifying rate of 5.25% (set by OSFI). For example, if you negotiate a rate of 4.79%, you must prove you can afford payments at 6.79%. This test applies to all federally regulated lenders and ensures you can handle rate increases over your mortgage term. Credit unions and some private lenders are not federally regulated and may not apply the stress test, though they may have higher rates or fees. Our mortgage contacts can advise on all available options.
Get Expert Guidance
Tell us about your situation and we'll connect you with the right mortgage professional — no obligation, no fees.