You can start a mortgage application with Neha Joneja, Mortgage Agent Level 2 in Brampton, through her mortgage app. Start your application and run the calculators from your phone, then Neha reviews your file and calls you to talk through options before anything is sent to a lender.
- 4.8 on Google (18 reviews)
- FSRA-licensed brokerage #13812
- English · हिन्दी · ਪੰਜਾਬੀ
- Women-owned
How does the online application work?
Neha’s mortgage app is linked from her Instagram profile and this site. Once you download it, you can:
- Apply: complete the application for a purchase, pre-approval, renewal or refinance, on your own schedule.
- Use calculators: test payments while you house-hunt, at an open house in Bramalea or Mount Pleasant.
After you submit, Neha reviews your file, flags anything a lender will question, and calls you to discuss which lender types fit. You can apply jointly with a spouse, sibling or parent, and talk it through in English, Hindi or Punjabi.
What should you have ready?
- Government photo ID, plus PR card, COPR or work permit if you’re new to Canada
- A recent pay stub and job letter, or two years of T1 Generals and Notices of Assessment if you’re self-employed
- 90 days of statements for your down payment account
- Details of current debts: car loans, credit cards, lines of credit
- The MLS listing or agreement of purchase and sale, if you’ve found a home
For the full list, use the first-time buyer and newcomer checklist.
What will my monthly payment be?
Mortgage payment calculator
For illustration only. Not a rate quote or an approval.
Approval subject to lender criteria (O.A.C.). Rates subject to change. Figures are estimates for illustration only.
How much home can I afford?
How much can I afford?
For illustration only. Not a rate quote or an approval.
Approval subject to lender criteria (O.A.C.). Rates subject to change. Figures are estimates for illustration only.
How much is CMHC mortgage insurance?
Minimum down payment & CMHC insurance estimator
For illustration only. Not a rate quote or an approval.
Approval subject to lender criteria (O.A.C.). Rates subject to change. Figures are estimates for illustration only.
Approval subject to lender criteria (O.A.C.). Rates subject to change. Examples are for illustration only.
Frequently asked questions
What should I do if I’m not sure which documents to send?
Ask before you send anything. Neha will tell you exactly which documents your lender needs and the safest way to share them, so you don’t send more personal information than necessary.
Does applying online affect my credit score?
A credit check is a hard inquiry, and it happens once you authorize it. Neha will tell you before any credit check, so you know when it is coming and why the lender needs it.
How long does the application take?
It depends on how many people are applying and whether your documents are ready. With the checklist items on hand, most people finish in one sitting.
Can I apply with a co-applicant?
Yes. Spouses, partners, parents and adult children often apply together, and each person adds their own income, debts and ID. Every co-applicant is responsible for the mortgage, so Neha explains what that means before you sign.
Prefer to talk now?
Or start your application in Neha’s app (opens in a new tab).
- 4.8 on Google (18 reviews)
- FSRA-licensed brokerage #13812
- English · हिन्दी · ਪੰਜਾਬੀ
- Women-owned