There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.

While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.

Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.


I can breathe again is what I said to Ms. J after she told us what payment we were supposed to pay after consolidation. The payment was about half of what we were paying at that time. She went above and beyond to get us out from a crushing debt that we couldn’t manage and got us an amazing rate as well.


I have had a good night sleep after 20 years after Ms. Jalpa Patel not only helped us consolidate our loans by getting an amazing rate on a mortgage but also showed us the way so we don’t find ourselves in that situation again.

We highly recommend Jalpa!!

Joan and Edgar

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