The bank said no? We find the yes.
I am Rajiv Verma, an independent mortgage broker in Brampton. I compare more than 50 lenders — banks, alternative and private — and tell you honestly what is possible, including when the answer is to wait.
- Renewals, refinancing and debt consolidation
- Self-employed and bruised-credit files
- Second, private and power-of-sale situations
Free, no obligation, and no credit check to have a conversation. English, Hindi, Punjabi and Urdu.
What clients actually say
Live from Google. Not selected by me, not edited.
How I actually resolve it
Three steps. No credit check to start, and no obligation at any point.
Tell me what is happening
A free call or message. No application, no credit pull, no documents yet. Just the situation in your words.
I review the full picture
Income, credit, property, equity and your timeline, then I compare more than 50 lenders across A, B and private.
You get honest options
What is realistic, what it costs, and the trade-offs. If the better move is to stay put or wait, I will say so.
When does your mortgage renew?
You do not need your balance, your rate, or a single document. Just the month. I will show you where you are on the timeline and what is worth doing now, because most people are further along it than they think.
No credit check. No email needed to see your answer.
What’s your situation?
Pick the one that sounds most like you. You’ll get a straight answer before you speak to anyone.
The Resource Centre
Where clients get real answers — and where Google, ChatGPT & Perplexity find them. The answer library, deep guides, calculators and a plain-language glossary, all interlinked.
Self-employed and been declined?
Your accountant did their job. That is often exactly why the bank said no. Five questions and you will know which lender type your file actually belongs with.
English and Punjabi videos
Straight-talking mortgage explainers in both languages. Watch a few before you book a call and decide for yourself whether I know the subject.
Fifty lenders working for you, not one bank’s shelf
A bank employee can offer you one lender’s products and one set of rules. If you do not fit, the conversation ends there. I am independent, so when a bank says no I take the same file to an alternative or a private lender and keep looking. And I stay on it myself, from the first call to funding day.
- 15+ years in Ontario mortgages
- Licensed through Mortgage Architects
- FSRA Brokerage Licence #12728
- Banks, alternative and private lenders
- Brampton office, serving the GTA
- English, Hindi, Punjabi and Urdu
Local, and licensed across Ontario
Based in Brampton, working throughout the GTA. Lender rules are provincial — the local knowledge is about property types, timelines and who actually lends where.
Tell me what is going on. I will tell you what is possible.
No application, no credit pull, no obligation. Most people finish the first call knowing exactly what to do next, even when the honest answer is to wait.
Free and confidential, in English, Hindi, Punjabi or Urdu. Rajiv Verma, Mortgage Broker · Mortgage Architects · FSRA Brokerage Licence #12728.
Rather just call?
647.291.7116Direct line — fastest 289.505.0631Brampton office rajiv@simplifymortgage.caI answer my own email.Straight answers, before you ever call
Most mortgage sites make you fill in a form to find anything out. This one doesn’t. One question, one page, answered in the first few lines — with Ontario numbers, and the part most sites leave out: when it’s the wrong move for you.
What clients say
See all reviews — Google, Rate-My-Agent and ThreeBestRated →