My Rates

6 Months 6.30%
1 Year 2.09%
2 Years 2.04%
3 Years 2.24%
4 Years 2.39%
5 Years 2.29%
7 Years 3.29%
10 Years 3.74%
*Rates subject to change and OAC
Nitesh Kumar Mortgage Broker

Nitesh Kumar

Mortgage Broker

13 - 70 Delta Park Blvd, Brampton, Ontario







We know that different people need different things in a mortgage. That's why we have solutions for all kinds of homeowners. Whether you are buying your first home, an investment or cottage property, or looking at home renovations or renewing your mortgage, we have a mortgage solution for you.

For most people, arranging a mortgage is the largest financial decision they will make in their lifetime. Let us help you make an educated decision as the mortgage you choose will form the foundation of your financial stability.


We negotiate with major financial institutions, chartered banks, trust and insurance companies, Canada Mortgage and Housing Corporation, Genworth Financial and others to bring our clients the most competitive mortgage rates and terms. We usually earn a commission or fee from the lender for all the work, advertising and promotion done on their behalf. Our professional services are provided, at most cases, at no cost to you.


As our client, you can choose form the widest range of options, obtain the most competitive rate and best product suited for your specific needs.


We are not just another mortgage company!

We are here to assist you in the best possible way by providing “Hands on Service”!

We are here because a qualified applicant can demand the best!

BLOG / NEWS Updates

The Teranet-National Bank House Price Index ticked down 0.1% in February

In February the TeranetNational Bank National Composite House Price Index(tm) retreated 0.1% from the previous month, following December and January rises that had interrupted a downtrend. It was the first February decline since 2013. The index was up in only three of the 11 metropolitan markets surveyed, the fewest since October 2014: Vancouver (+0.4%), Hamilton (+0.2%) and Halifax (+0.8%). The index for Victoria was flat on the month and the other seven component indexes were down: Toronto 0.1%, Montreal 0.3%, Ottawa-Gatineau 0.7%, Edmonton 0.8%, Calgary 0.8%, Winnipeg 1.0%, Quebec City 1.5%. For Vancouver it was the 12th rise in 14 months, taking its index to a new record. However, this markets raw (unsmoothed) index* was down 1.3% on the month, a retreat coinciding with a cooling of home sales as reported by the Real Estate Board of Greater Vancouver. The raw index for Toronto declined after three consecutive rises. In previous months observers had noted a certain haste on the part of buyers to beat the entry into effect of tougher conditions for obtaining an uninsured mortgage. The advance of the Hamilton index interrupted a run of five declines. The retreat of the Montreal index was the first in 14 months. This is not a concern, since the Greater Montral Real Estate Board reported the strongest sales in six years for the first two months of a year.

Canadian Income Survey, 2016

Canadian families and unattached individuals had a median after-tax income of $57,000 in 2016. Median after-tax income increased from 2011 to 2014, but held steady in 2015 and 2016. The slower growth in 2015 and 2016 was associated with the resource price slowdown, which began in the second half of 2014. After-tax income is comprised of income from market sources and government transfers. Market income includes employment income, retirement income and income from investments, while government transfers include benefits to seniors, child benefits, Employment Insurance benefits, social assistance and other benefits. While growth in overall median after-tax income slowed in 2015 and 2016, there was also a significant increase in government transfer income. Median income from government transfers rose from $5,800 in 2014 to $7,400 in 2016. About half of this rise was due to increased child benefits, which became a larger source of income for families with children. In 2014, the median child benefit received by couple families with children were $2,500. This rose to $3,400 in 2015, and to $4,000 in 2016. For a lone-parent family, the median benefits rose from $5,100 in 2014 to $5,800 in 2015, and then to $6,400 in 2016.


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