What I do
Mortgages & lenders
Getting a competitive rate through trusted lenders.
Introductions, not lending
Shawan works with trusted mortgage brokers and lenders and can connect you with competitive options. The lending itself stays with the lender; the introduction and coordination are part of the service.
Get pre-approved first
A real pre-approval — not just a rate quote — tells you your true budget, holds a rate for a set period, and makes your offers credible. It's the right first step for buyers; see first-time buyers.
What lenders look at
Income and employment history, the size and source of your down payment, your credit history and any existing debt payments. The stress test means you qualify at a rate higher than the one you'll actually pay, so it's worth knowing your number before you shop.
Broker or bank
A mortgage broker compares several lenders at once and can place harder-to-fit files; your own bank may sharpen its offer on an existing relationship. Comparing both is usually worth the hour it takes.