I’m Meet. My job is to take the most confusing part of adulting - Mortgages - and make it feel like something you can actually understand without crying. I love the moment when clients go from “This is Nonsense” to “Wait… I totally get this.”
I work with clients across Ontario in English, Hindi, Gujarati, and Punjabi - and yes, I explain everything with patience, jokes, and zero judgment for “silly questions.” (Spoiler: There are no silly questions. Only silly mortgage rules.)
Know the numbers before you sign anything
No email gate, No form, No follow-up you didn't ask for. When the numbers raise a question, that's when we talk.
Four ways to understand your numbers
These are the conversations I have with clients every week, turned into something you can poke at on your own.
Under 20% down, insurance is required and added to your mortgage. This outlines how each step impacts the numbers.
Assumes 3% annual rent growth and 1.5% closing costs. Unlike most rent‑vs‑buy tools, this one includes property tax, maintenance, and closing costs. It still excludes the investment return your down payment could earn - an important factor worth discussing.
Uses lender ratios: GDS 39%, TDS 44%. Tighter one sets your limit. It’s a guide, not a pre‑approval, and lenders vary their rules..
Switching lenders at maturity normally carries no prepayment penalty. Most lenders will hold a rate for you from about 120 days out.
Nine ways in. Tap one to see how it actually works
Every file is different, but they all start the same way: understand the real situation first, then find the lender whose rules fit it.
Where you're buying changes the math
Tap a city. Prices, direction of travel, and what that actually means for a mortgage there right now.
Names changed. Awkward moments kept.
Mortgage stuff, explained without jargon (mostly)
Let's talk for 15 minutes.
No Forms, No Pressure - just a quick call to work out what actually applies to your situation.