—Mortgages, minus the stress

A calmer way to finance the life you're building.

Independent mortgage advice for families, businesses and healthcare professionals across Canada — residential, commercial, refinancing and business loans, all under one roof.

★★★★★ 4.9/5 on Google
50+ lenders compared
Approvals in 24–48h
Approvedin 24–48 hours
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3.45% 5-yr VariableBest rate today · see all

We shop 50+ lenders so you don't have to

ScotiabankTDFirst NationalMCAPCMLSEquitable BankHome TrustEQ BankManulifeDesjardinsB2B Bank ScotiabankTDFirst NationalMCAPCMLSEquitable BankHome TrustEQ BankManulifeDesjardinsB2B Bank

-Mortgages, minus the stress

Four ways we help you move forward

From your first home to your next business, we structure the right mortgage and shop 50+ lenders to get it approved.

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Residential Mortgages

Helping families buy their dream home

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Commercial Mortgages

Financing solutions for growing businesses
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Refinancing & Renewals

Better rates. Better cash flow. Better control.
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Business Loans

Smart financing for healthcare & local businesses

$1.2B
funded for Canadians
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— Why Mortgage with Satish

An independent broker on your side — not the bank's.

We’re not tied to one lender. That means we shop 50+ banks and credit unions to find the structure that genuinely fits you, then explain every option in plain language.
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Independent advice

50+ lenders, zero bank quotas.

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Fast approvals

Most files approved in 24–48h.

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Total transparency

Honest trade-offs, real math.

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Always reachable

Answers on WhatsApp when it counts.

— Run your numbers

What will your payment look like?

A real Canadian calculation — semi-annual compounding, your frequency, your amortization. Move the sliders.

Mortgage Payment Calculator

Estimate your real Canadian mortgage payment.

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Home Expenses & Income Calculate your total monthly cost
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If you plan to rent out part of your home, enter the rent here to reduce your total monthly cost.

Income & Debts Used for debt service and required income
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Credit cards, car loans or leases, lines of credit, support payments.

Pre-Payments Calculate your savings with pre-payments
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Closing Costs Adjust the estimated ancillary costs
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Mortgage Payment $0
Total Monthly Cost $0
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Cash to Close $0

    Term Results

    Required Income $0
    Apply Now

    Results are estimates for illustration only and do not constitute a mortgage approval or an offer to lend. Rates and rules are subject to change. Contact us for a personalised quote.

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    — How it works

    Four calm steps to keys in hand

    01

    Tell us your goal

    A real Canadian calculation — semi-annual compounding, your frequency, your amortization. Move the sliders.

    02

    We shop the market

    We compare 50+ lenders and bring you the strongest options, plainly explained.

    03

    Get approved

    Most clients have an approval in 24–48 hours with a rate hold to protect you.

    04

    Close with support

    We coordinate with your lawyer and lender right through to funding day.

    — Today's best rates ● Live

    Real rates, updated daily

    Bank-beating rates from our lender network. Yours will depend on your profile — let’s confirm it in writing.

    Term Type Our best rate Bank posted You could save
    5 Year (Insured) Varible Best 3.50% 3.86% $137/mo Lock it
    5 Year (Uninsured) Variable ▼ 0.10 3.60% 4.16% $189/mo Enquire
    5 Year (Insured) Fixed 4.23% 4.62% $135/mo Enquire
    5 Year (Uninsured) Fixed 4.48% 4.99% $181/mo Enquire
    3 Year (Insured) Fixed 3.89% 5.59% $174/mo Enquire
    3 Year (Uninsured) Fixed 4.33% 4.83% $148/mo Enquire
    1 Year (Insured) Fixed 4.59% 5.04% $176/mo Enquire
    1 Year (Uninsured) Fixed 4.74% 5.27% $190/mo Enquire

    Rates shown are illustrative for prototype purposes and subject to change, OAC. Savings based on a $600,000 mortgage over a 30-year amortization.

    — Before you apply

    The do's & do-not's of mortgage season

    Do this

    Avoid this

    Social proof

    Loved by families across Canada

    Google ★★★★★ 4.9
    Posted on Google Google
    nikhil vasudeo profile picture
    nikhil vasudeo
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Fantastic experince, highly recommended service. Thank you.
    Posted on Google Google
    Mercy Onwuhafua profile picture
    Mercy Onwuhafua
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    As total newbies to the mortgage process, we were overwhelmed, to say the least. Working with Satish Kumar made all the difference. He was incredibly patient, clearly explaining every step from pre-approval right through to closing. More importantly, they tirelessly shopped around to make sure we secured the absolute best mortgage rate on the market for our new home. We felt completely supported and confident throughout the entire journey. If you’re a first-time homebuyer looking for guidance and the best terms, look no further! Highly, highly recommend.
    Posted on Google Google
    Emmanuel Onwuhafua profile picture
    Emmanuel Onwuhafua
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Satish Kumar was an absolute rock star—always available, even outside of normal business hours, to answer our frantic questions and address every detail. They handled the complex mortgage application process with incredible speed and efficiency, which took a massive amount of stress off our shoulders. We got a fantastic rate, and the entire experience felt supported and personalized. If you want a smooth, fast, and stress-free path to homeownership, this is the mortgage agent you need!
    Posted on Google Google
    Isaac B profile picture
    Isaac B
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Choosing Satish Kumar as my mortgage agent was the best decision. His professionalism and commitment to finding the best mortgage for my needs were outstanding. The entire process was seamless, and I am very pleased with the results. I will confidently recommend Satish to anyone I know.
    Posted on Google Google
    donmarkanthony profile picture
    donmarkanthony
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    Satish Kumar is best ever! He’s the number one!
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    Kshitij Dahal profile picture
    Kshitij Dahal
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    I’m so glad I chose Satish Kumar for my refinance. He worked hard to get me a great deal and made the whole process stress-free. Highly recommend!
    Posted on Google Google
    Madhu Dahal profile picture
    Madhu Dahal
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    Satish Kumar helped me refinance and saved me thousands with a better interest rate. Professional, responsive, and easy to work with. I’ll definitely recommend him!
    Posted on Google Google
    joed gelvis profile picture
    joed gelvis
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    I truly appreciate Satish Kumar’s efforts in securing the best mortgage for me. His dedication, professionalism, and attention to detail made the entire process smooth and worry-free. I’m extremely pleased with the results and will gladly recommend him to my friends and family.
    Posted on Google Google
    mbuttercupp profile picture
    mbuttercupp
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    My experience with Satish Kumar was exceptional. He was always available to help and provided clear explanations throughout the mortgage process. His dedication to securing the best rate for me was evident. Thanks to his hard work, I have a mortgage that fits my budget perfectly. Satish is a true professional. I really appreciate all your help, i will recommend you to my family and friends. 👏

    — Before you apply

    From the resource library

    — Recognized for excellence

    Award-winning advice, backed by a trusted brokerage

    Proudly part of Mortgage Architects — celebrating 20 years of helping Canadians since 2006.

    ambassador award

    Ambassador Award 2025

    Team Achievement · $100M+ funded

    ma 20years

    Team Achievement · $100M+ funded

    satish avatar

    Satish Kumar

    Mortgage Agent — Level 2

    License #M21004863
    Cell (437) 684 3333

    — Ready when you are

    Let's find your best mortgage — in writing.

    No obligation, no credit hit to start. Tell us your goal and we’ll bring you real options within one business day.