Newcomer to Canada Mortgages: How I Help You Secure Your First Home
Starting a new life in Canada is exciting, and purchasing your first home is one of the biggest milestones in…
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More Than Just a Rate. A Partner for Your Financial Future.
Welcome to HomeLoansCanada. I am Sashi Maruvada, your dedicated Licensed Mortgage Agent.
In a world of automated approvals and call centres, I offer something different: Personalized Strategy. I don’t just find you a loan; I build a mortgage plan that fits your budget, lifestyle, and long-term wealth goals.
From navigating the new 2025 stress-test rules to finding “hidden” lenders for self-employed clients, I am in your corner from application to closing—and beyond.
- Access to banks, credit unions, and flexible lenders across Ontario
- Solutions for all credit situations (including past consumer proposals or bankruptcies)
-
Transparent rates and fast
approvals -
Personalized guidance every step of
the way - Local expertise with deep knowledge of Ontario’s mortgage market
Why Choose Home Loans Canada?
Access to banks, credit unions, and flexible lenders across Ontario
Solutions for all credit situations (including past consumer proposals or bankruptcies)
Transparent rates and fast approvals
Personalized guidance every step of the way
Local expertise with deep knowledge of Ontario’s mortgage market
How We Help You Win in Today’s Market
Flexible Funding, Fast Approvals
Access the capital your business needs through our quick and flexible loan options. Designed to align with your unique requirements, our loans feature competitive rates and swift approval. Give your business the power to grow and succeed with the right financial backing.
- Reliable data management that protects client privacy.
- Professional support throughout the entire process.
- Intuitive and easy-to-use application interface.
- Affordable rates designed to simplify your finances.
- Tailored loan solutions to meet your individual needs.
- Efficient and hassle-free approval procedures.
What’s your desired loan amount?
Our Process
How the Application Process Works
1
Apply Online
Fill out a quick form with your financial details and goals.
2
Review Options
We compare multiple lenders to find the best mortgage solution.
3
Get Approved
Fast turnaround times — usually within 24–48 hours.
4
Close & Celebrate
Enjoy a smooth closing process and peace of mind.
Put a Mortgage Expert in Your Pocket
Plan Your Purchase with the “My Mortgage Planner” App
Stop guessing your monthly payments. Download my free, premium mortgage app to run scenarios in real-time.
- Calculate Affordability: See exactly what you can afford based on your income and debts.
- Compare Scenarios: Side-by-side comparisons of Fixed vs. Variable rates.
- Closing Costs:Estimate land transfer taxes and legal fees so there are no surprises.
- Direct Access:Chat with me directly through the app securely.
How the Application Process Works
Each step is guided, simple, and stress-free. We’re here to make the entire process smooth and hassle-free.
Apply Online — Quick, Simple, and Secure
Get started in just minutes! Fill out our short online form and tell us about your goals — whether you’re buying a new home, refinancing your current one, or exploring a second mortgage.
Discover Your
Best Options
We’ll shop around for you, comparing offers from multiple trusted lenders to find the right fit. You’ll receive clear, personalized mortgage solutions designed to match your needs, budget, and timeline.
Get Approved — Fast
and Hassle-Free
Once you’ve picked your preferred option, we’ll take care of the details and keep the process moving quickly. Our streamlined approval system makes getting a mortgage simple, transparent, and stress-free.
Close with Confidence
& Celebrate
Enjoy a smooth, guided closing experience with full support from start to finish. Then it’s time to celebrate — you’ve secured the perfect mortgage to reach your financial goals!
Why Choose Us
The HomeLoansCanada Advantage
- 50+ Lenders, One Credit Check: We shop major banks, credit unions, and monoline lenders to find your perfect match.
- Unbiased Advice:We work for you, not the lender. Our goal is your financial success.
- Speed & Transparency:We explain the fine print (penalties, portability) so you sign with total confidence.
Our Facts
Quick Facts at a Glance
1. Typical approval turnaround: 24–48 hours
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2. Reverse mortgage access: up to 55% of home’s value
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
3. HELOC offers flexible, interest-only borrowing
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
4. First-time buyer down payment: as low as 5%
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Why Choose Us
The HomeLoansCanada Advantage
- 50+ Lenders, One Credit Check: We shop major banks, credit unions, and monoline lenders to find your perfect match.
- Unbiased Advice:We work for you, not the lender. Our goal is your financial success.
- Speed & Transparency:We explain the fine print (penalties, portability) so you sign with total confidence.
Frequently Asked Questions
How much do I need for a down payment in Ontario?
For homes under $500,000, the minimum down payment is 5%. For homes between $500,000 and $1 million, it’s 5% of the first $500,000 and 10% of the remainder.
Can I use both FHSA and RRSP for my down payment?
Yes! You can combine FHSA savings with the Home Buyers’ Plan (HBP) from your RRSP to maximize your down payment power.
Do I qualify as a first-time home buyer if I’ve owned property before?
Generally, no. But some programs consider you a first-time buyer if you haven’t owned a home in the last four years.
What closing costs should I expect?
Closing costs usually range from 1.5%–4% of the purchase price, including land transfer tax, legal fees, and adjustments.
How do I get pre-approved for a mortgage?
I’ll collect your financial details, submit them to lenders, and provide a pre-approval letter that shows how much you can afford.
Client Says
Sashi helped us navigate a complex renewal and saved us over $400 a month! The process was seamless and transparent.
Sarah & Mark
Mississauga
I thought I couldn't buy because I was self-employed. HomeLoansCanada found a lender who understood my business.
David R.,
Brampton
With a bridge loan, we secured our dream home before selling — it was seamless.
Anita & Raj
Brampton
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Running your own business in Ontario is exciting — you control your time, your income, and your future.But when it…
Put a Mortgage Expert in Your Pocket
Plan Your Purchase with the “My Mortgage Planner” App
Stop guessing your monthly payments. Download my free, premium mortgage app to run scenarios in real-time.
- Calculate Affordability: See exactly what you can afford based on your income and debts.
- Compare Scenarios: Side-by-side comparisons of Fixed vs. Variable rates.
- Closing Costs:Estimate land transfer taxes and legal fees so there are no surprises.
- Direct Access:Chat with me directly through the app securely.
Ready to find your ideal mortgage?
Apply Now with Home Loans Canada
Apply Now with Home Loans Canada
