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Mortgages
for what’s next.
Guiding homebuyers, investors and families with smart mortgage solutions built around your goals.
First-Time Buyers
Turn your homeownership goals into reality.
Investors
Strategic financing for long-term growth.
Move-Up Buyers
Solutions for your next chapter.
Refinancing
Unlock equity and create new opportunities.
A better mortgage experience
Expert guidance.
Real opportunities.
Whether you’re buying your first home, growing your real estate portfolio or looking to refinance, I provide personalized mortgage solutions tailored to your goals.
Learn More
Today’s rates
Today’s mortgage rates, compared.
The terms Ontario borrowers ask about most, plus the full schedule. Rates from lenders I work with through Magellan Capital Network.
Insured: less than 20% down, default-insured
| Term | Type | Insuredless than 20% down | Uninsured20%+ down or refinance |
|---|
Rates are subject to change without notice and are available on approved credit (O.A.C.). Your rate depends on your down payment, property, credit and income. Get a personalized quote.
Services
Mortgage solutions for every stage
Purchase
From pre-approval to closing, I help you understand what you can afford, compare lenders and lock in a rate that fits your plans.
Refinance
Access your home’s equity to renovate, consolidate debt or invest, with a clear picture of the costs before you commit.
Investment Properties
Financing for rental, multi-unit and commercial properties, structured around cash flow and your long-term portfolio.
Renewals
Don’t just sign your lender’s renewal offer. I’ll shop the market so you know whether staying or switching saves you more.
About
Straight answers, the right lender and someone in your corner
I’m Prem, a mortgage agent with Magellan Capital Network, serving clients across the GTA and Ontario. I work with residential and commercial borrowers, from first-time buyers to seasoned investors, and take the time to explain your options in plain language.
Because I work with a network of lenders rather than a single bank, I can compare rates and terms on your behalf and find the mortgage that fits your situation, not just the one that’s easiest to sell.
- Licence
- Mortgage Agent Level 1
- Brokerage
- Magellan Capital Network
- Service area
- GTA and Ontario
- Property types
- Residential and commercial
How it works
From first call to keys in hand
Consultation
We talk through your goals, income and timeline so I understand what you need.
Pre-approval
I review your documents and secure a pre-approval so you can shop with confidence.
Compare lenders
I present the best options side by side, with rates, terms and penalties explained.
Close
I coordinate with your lender, lawyer and realtor through to closing day.
Resources
Mortgage payment calculator
Estimate your regular payment using Canadian semi-annual compounding. Adjust the numbers to see how price, down payment and rate change your costs.
Monthly payment
$0
- Down payment
- 0%
- Mortgage insurance (est.)
- $0
- Total mortgage
- $0
- Total interest over the amortization period
- $0
Estimates only, for illustration. Actual rates, insurance premiums and eligibility depend on your application and lender approval.
Contact
Let’s talk about your next move
Book a free, no-obligation consultation. Tell me a little about your plans and I’ll get back to you within one business day.
- Emailfunded@Prem.Mortgage
- Phone647-892-2537
- Office80 Acadia Ave, Suite 308B, Markham, ON L3R 9V1