Office 289-505-0631  ·  Direct 647-291-7116 Rajiv Verma, Mortgage Broker · Mortgage Architects · FSRA Licence #12728
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Licensed in Ontario

Where I work — and how that actually works

Based in Brampton, licensed across Ontario. Deep local knowledge in the cities I work most, and a straightforward remote process everywhere else — in English, Hindi, Punjabi and Urdu.

You don’t need a broker on your street. You need one who can place your file. Lending in Ontario is provincial — the same lenders, the same guidelines, wherever the property sits. What changes locally is knowing the neighbourhoods, the property types and the appraisers. That’s why some cities get a dedicated page and the rest are served just as well remotely.

Where I work most

Cities with a dedicated page

Deep local knowledge — property types, neighbourhoods, and what appraisers actually do here.

Brampton
My home base
Mississauga
Peel Region
Toronto
City & boroughs
Vaughan
York Region
Oakville
Business-owner income, investment property and renewals across Halton.
Caledon
Acreage, wells and septic — rural property done properly.
Milton
New builds, builder closings and first homes across Halton.
Etobicoke
Toronto land transfer tax, condo rules and rental income.

Everywhere else in Ontario

I’m licensed province-wide, and a large share of my files are handled without anyone driving anywhere. Documents are shared securely, signing is done electronically, and the lawyer handles closing wherever the property is.

Municipalities I work in regularly — across Peel, Halton, York, Toronto and Durham, and beyond the GTA:

Ajax
Aurora
Barrie
Bolton
Bradford
Burlington
Caledon
Cambridge
Etobicoke
Georgetown
Guelph
Hamilton
Kitchener
London
Markham
Milton
Newmarket
North York
Oakville
Orangeville
Oshawa
Pickering
Richmond Hill
Scarborough
Stouffville
Waterloo
Whitby
Woodbridge

Not on the list? It doesn’t matter. If the property is in Ontario, I can work on it.

How a remote file actually runs

1. A conversation. Phone, video or WhatsApp — whichever suits you. Twenty minutes is usually enough to know whether there’s something worth doing.

2. Documents, shared securely. Photographed on your phone is fine. Nothing sensitive travels by ordinary email.

3. The appraisal, if one is needed. An accredited local appraiser attends the property. Who pays, and when, depends on the type of file.

4. Signing, electronically. Then a lawyer local to the property handles registration and closing.

You may never meet me in person. Plenty of my clients haven’t. What matters is whether the file gets placed properly.

Where location genuinely does change the answer

Being straight about this, because most broker sites pretend geography is irrelevant:

  • Rural properties price differently to urban ones — fewer buyers, so more lender caution
  • Well and septic rather than municipal services usually carries a premium
  • Thinner-population areas mean fewer comparable sales, which makes appraisals slower and more conservative
  • Unusual property types — acreage, mixed use, very small units — narrow the lender list considerably

What actually drives the rate on your file →

Start with your question, not your postcode

The answer library isn’t local to anywhere — the rules are the same across Ontario. It’s the fastest way to find out where you stand before we speak.

Open the answer library →

Wherever the property is in Ontario

Before you act, talk to Rajiv first. Tell me the situation and I’ll tell you what’s realistic — free, and in your language.

Get in touch

Rajiv Verma, Mortgage Broker · Mortgage Architects — FSRA Brokerage Licence #12728 · Licensed in Ontario · Office 289.505.0631 · Direct 647.291.7116