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Hi, I’m Niveda.
I help Ontario families buy, renew and refinance their homes. Most clients come to me with one question, “What’s the right move for us?”, and leave with a clear answer and a plan they understand.
“My job is not just to find you a mortgage; it’s to make sure that mortgage moves you closer to your financial goals.”
Niveda Nitesh
Mortgage Agent Level 2
Business Development Manager
Mortgage Assurance Inc. · FSRA #13812
How I work
Three things you can count on.
You come first
We start with your goals, budget and timing. The mortgage is chosen to fit them, not the other way around.
Everything explained
Rates, penalties, insurance and closing costs, in plain language and in writing before you sign.
Responsive and organised
Clear timelines, replies within one business day and updates at every stage of your file.
Who I work with
Every situation is different. Here’s where I help most.
First-time buyers
Budgets, programs and pre-approvals, explained step by step so nothing at closing is a surprise.
Growing families
Moving up, adding space or buying a second property, with a plan for both homes.
Self-employed professionals
Business owners and contractors whose income needs the right lender to be seen properly.
Newcomers to Canada
Programs built for people with a short Canadian credit history.
Homeowners renewing
A real comparison before you sign, so your renewal is a choice, not a default.
Homeowners refinancing
Using equity to clear debt, renovate or invest, with every cost on the table.
How I stay sharp
I know which lender fits which situation.
As Business Development Manager, I work with lenders and referral partners every day. That means I hear about policy changes early and know which lenders are flexible on income, credit or property type.
I also have an experienced brokerage team behind me, so complex files get a second set of eyes before they go to a lender.
Banks, credit unions, monoline, alternative and private lenders
Experience with self-employed, newcomer and complex files
Office in Mississauga, clients across Ontario
My 5-Star Service Promise
Five commitments to every client.
A promise about how you’ll be looked after, not a rating.
1
Straight answers
Clear explanations and side-by-side numbers, so you always know what you’re agreeing to.
2
The whole market
Banks, credit unions, monoline and alternative lenders, compared for your file.
3
Advice that puts you first
If the right move is to wait or stay put, you’ll hear that from me.
4
Quick responses
Replies within one business day, and updates at every stage of your file.
5
Support after closing
A review before each renewal, so your mortgage keeps up with your life.
Licensing
Licensed, regulated and transparent.
Licensed in Ontario
As a Mortgage Agent Level 2, I can arrange mortgages with banks, credit unions, alternative and private lenders.
Regulated by FSRA
I work through Mortgage Assurance Inc., brokerage licence #13812, regulated by the Financial Services Regulatory Authority of Ontario.
Clear disclosure
Any fees, conflicts or lender compensation that must be disclosed are explained before you commit.
Let’s talk about your plans.
Book a free, no-obligation consultation. You’ll leave the call knowing your options and your next step.
Free
No obligation
No credit check to start