Mortgage Agent in North York
By Vishvesh Patel, Mortgage Agent · Centum Financial Services Limited Partnership · FSRA licence M26001018
North York buyers ask me about two things more than anything: condos and closing costs. A condo purchase has the same mortgage rules as a house, but your budget has to carry the full picture — down payment, land transfer tax, legal fees, and the monthly condo fees a lender counts in your ratios.
Plan for closing costs of 1.5% to 4% of the purchase price on top of your down payment. I run that full number with you at pre-approval stage, so the home you shop for is one you can close on comfortably, not just get approved for.
Mortgages I arrange in North York
Purchases & pre-approvals
- First home or next home in North York
- Pre-approval with a rate hold of 90 to 120 days
- A real budget: down payment plus closing costs
Renewals, switches & refinancing
- Renewal shopping — start 120 days before your date
- Switching lenders for a better fit
- Refinancing for renovations, debt, or equity
Newcomer programs
- No Canadian credit history? Alternative credit can work
- Rent, utility, and phone payment history
- A clear document list before you apply
Self-employed & commercial
- Self-employed income, presented the way lenders want
- Investment and rental properties
- Commercial purchases and refinances in Ontario
Why North York buyers work with a broker
One bank gives you one set of rules for how your income and debts get counted. A broker can take your North York file to the lender whose rules fit it best — and explain why. Through CENTUM I shop across banks, credit unions, and monoline lenders, and in most standard mortgages you pay nothing, because the lender pays me.
My file work is done through Centum Financial Services Limited Partnership, and I am licensed by FSRA in Ontario (licence M26001018, Agent Level 1). I speak English, Hindi, Gujarati, and Punjabi, and I am reachable evenings and weekends — because houses do not wait for business hours.
North York mortgage questions, answered
Do you work with buyers in North York?+
Yes. I am licensed in Ontario and I work with buyers in North York and across the GTA — first-time buyers, newcomers to Canada, families renewing or refinancing, and self-employed buyers. We work by phone, video, and email, in the evenings and on weekends too. In most standard mortgages you pay nothing — the lender pays me.
How much are closing costs in North York?+
Plan for 1.5% to 4% of the purchase price on top of your down payment. That covers land transfer tax, legal fees, and adjustments. Buyers who budget only for the down payment run out of money at the finish line. Get a written estimate from your lawyer early.
What is a mortgage pre-approval, and does it guarantee financing?+
A pre-approval tells you how much you can likely borrow and usually holds a rate for 90 to 120 days. It is not a guarantee. Final approval still depends on verifying your income, your documents, and the property. Get it before you shop, not after you fall in love with a house.
Does a mortgage broker cost me anything?+
In most standard residential mortgages, you pay nothing. The lender pays the broker. Fees can apply in complex cases, like private lending or very low credit files. Ask up front. If there is a fee, you should hear about it before you commit, not at closing.
Buying or renewing in North York?
Tell me your goal and your timeline, and I will give you your real numbers in plain English. In most standard mortgages you pay nothing — the lender pays me.
Call (647) 313-9636 Send a message Book a callAlso serving buyers in Toronto, Vaughan, Etobicoke. Read more on the blog: how much down payment you need in Ontario and how newcomers get a mortgage with no Canadian credit history. Or go back to the homepage for the down payment calculator and today's Market Pulse.
This page is general information, not financial advice. No approval, rate, or outcome is promised. Rates and programs change — ask for today's numbers.
Vishvesh Patel is a Mortgage Agent with Centum Financial Services Limited Partnership, licensed by FSRA in Ontario. FSRA licence M26001018, Agent Level 1, status: Authorized to Sell (issued May 28, 2026; expires March 31, 2027). Verify this licence in the FSRA registry. Licensed in Ontario only — helping buyers from across Canada buy in Ontario. Phone: (647) 313-9636 · Email: hello@vishveshpatel.com.