Mississauga · Serving all of Ontario
The right mortgage, without the guesswork.
I’m Niveda Nitesh. I shop 50+ lenders for you, show you the real numbers side by side and help you lock in a mortgage that saves you money today and keeps you flexible tomorrow.
Free first call
50+ lenders compared
120-day rate holds
Niveda Nitesh
Your mortgage agent
Free first call · 15 minutes
COMPARE
50+ lenders
ONE APPLICATION
Lender options I compare:
Major banks
Credit unions
Monoline lenders
Alternative lenders
Private lenders
What I help with
One advisor for every mortgage decision.
Refinance & equity
Consolidate debt, renovate or free up cash.
Renewals & switches
Compare before you sign your lender’s offer.
Self-employed & newcomers
Lenders that understand how you earn.
Alternative & private
Short-term solutions with a clear exit plan.
Find out what you can afford, in 60 seconds
Free calculators for payments, affordability, closing costs and equity.
A note from Niveda
That’s how I work with every client. We start with your goals, I do the comparing, and you make the decision with all the facts in front of you.
Niveda Nitesh
What a better rate is worth
Small differences add up to real money.
On a $500,000 mortgage, here’s what a lower rate saves you. That’s why I compare the market for every client.
0.25% lower rate
$70
less per month
About $4,200 saved over a 5-year term
0.50% lower rate
$140
less per month
About $8,400 saved over a 5-year term
1.00% lower rate
$277
less per month
About $16,600 saved over a 5-year term
Illustration only: compares 4.90% with lower rates on $500,000, 25-year amortization, semi-annual compounding. Not a rate offer; your rate depends on your application.
Why work with me
Your bank offers its own mortgages. I compare the market.
You deal with me directly, from the first call to closing day and at every renewal after that. Behind me is an experienced brokerage team, so even complex files get the attention they need.
01
More choice
50+ lenders, including credit unions and monoline lenders that don’t have branches, so you aren’t limited to one bank’s shelf.
02
Advice beyond the rate
Prepayment options, penalties and portability can matter more over five years than a small difference in rate. I look at all of it.
03
Less work for you
One conversation and one set of documents. I shop your file, handle the lender and keep everything on schedule.
04
Usually no cost to you
On most residential mortgages, the lender pays for my service. If a fee ever applies, you’ll know in writing before you commit.
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.
How it works
From first conversation to keys, in four steps.
1
Talk
A relaxed 15-minute call about your goals, income, down payment and timing.
2
Compare
I shop your file and show you rate, payment, penalties and flexibility side by side.
3
Approve
I manage the lender, documents and deadlines, and keep you updated.
4
Close
Funds or keys, and a check-in before every renewal after that.
Free tool
What would your payment be?
Price, down payment and rate, with default insurance included. The full calculators cover affordability, closing costs, equity and rate comparisons.
Questions
Good questions, plain answers.
Don’t see your question? Ask me directly.
Do I pay you for your advice?
Will speaking with you affect my credit?
Why use a mortgage agent instead of my bank?
Are you licensed?
Do you work outside Mississauga?
When should I get in touch?
Let’s find the mortgage that saves you the most.
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