Residential Mortgages
First-time buyers, renewals, refinancing and investment properties. Navigate your home purchase with confidence and the best rates available.
Residential & Commercial Mortgages
Modern mortgage solutions.
Expert residential and commercial mortgage advice with personalized service, competitive rates from 50+ lenders, and guidance every step of the way. Serving Toronto, the GTA and Durham Region.
Licensed AgentM14000189
Self-EmployedSpecialist
Low CreditMortgages
First-Time BuyerSpecialist
Investment PropertyFinancing Expert
Private & AlternativeLending Specialist
Theeban PathmanathanMortgage Agent Level 2
50+lenders
12+Years experience
500+Happy clients
$300M+Mortgages funded
50+Lenders
Services
Mortgage solutions for every need.
Whether you're buying your first home or expanding your investment portfolio, I have the expertise and lender connections to make it happen.
Commercial Mortgages
Financing for commercial properties, business real estate and investment portfolios with competitive rates and flexible terms.
Mortgage Renewal
Don't just sign your renewal. Let me shop the market and potentially save you thousands over your term.
Refinancing
Access your home equity, consolidate debt or lower your payments with strategic refinancing options.
Self-Employed Solutions
Specialized mortgage solutions for entrepreneurs and self-employed professionals with flexible income verification.
Debt Consolidation
Simplify your finances by rolling high-interest debt into a single, manageable mortgage payment.
Theeban PathmanathanMortgage Agent Level 2
- Agent licence
- M14000189
- Brokerage licence
- #12825
- Lenders
- 50+
- Offices
- Toronto & Pickering
- Hours
- Incl. evenings & weekends
About me
Your dedicated mortgage partner.
I'm Theeban Pathmanathan, a licensed Mortgage Agent Level 2 committed to helping Canadians achieve their homeownership goals. With access to over 50 lenders, I work to find you the best rates and terms for your unique situation.
My approach is simple: put your needs first, give transparent advice, and make the mortgage process as smooth as possible. Whether you're a first-time buyer or a seasoned investor, I'm here to help you succeed.
- Access to 50+ lenders for the best rates
- Personalized strategies for your situation
- Transparent process with no hidden fees
- Available evenings and weekends
How it works
From first call to keys in hand.
Free consultation
A quick call to understand your goals, income, timeline and budget.
Apply & pre-approve
Secure online application. I review your file and lock in a rate hold.
Shop 50+ lenders
I compare banks, credit unions, monolines and private lenders for you.
Close with confidence
I coordinate with your lawyer and lender through closing and beyond.
Tools
Mortgage calculators.
Get instant estimates and explore your options. Built for Canadian mortgages: semi-annual compounding, CMHC insurance and the stress test are included.
Mobile app
Take these calculators on the go.
Download My Mortgage Toolbox to run numbers on the spot while house hunting or discussing refinancing with your partner. Try different scenarios, adjust rates in real time and get detailed closing-cost breakdowns, all from your phone.
Download My Mortgage ToolboxAdvanced calculatorsMore detail than web calculators
Closing costsComplete fee breakdown & estimates
Scenario planningCompare options side by side
On-the-go accessCalculate anywhere, even offline
Testimonials
What my clients are saying.
★★★★★
"Theeban made our first home purchase so easy! He explained everything clearly and got us a rate that was better than our bank offered. We couldn't have done it without him."
Sarah & Michael T.First-Time Buyers, Toronto
★★★★★
"As a self-employed professional, I thought getting a mortgage would be impossible. Theeban found a solution that worked for my situation. Highly recommend!"
Priya S.Self-Employed, Brampton
★★★★★
"We've worked with Theeban on multiple investment properties. His knowledge of the market and access to great rates has helped us build our portfolio."
James & Linda M.Investment Property, Oakville
FAQ
Common questions.
Does it cost anything to work with a mortgage agent?
For most residential mortgages with qualified borrowers, there is no fee to you: the lender pays the broker's compensation. Some private, alternative or commercial files may involve a fee; if so, it is disclosed in writing upfront before you commit.
What is the minimum down payment in Canada?
5% of the first $500,000 of the purchase price and 10% of the portion between $500,000 and $1,499,999. Homes priced at $1.5 million or more need at least 20% down. With less than 20% down, mortgage default insurance (e.g. CMHC) is required and the premium is added to your mortgage.
What is the mortgage stress test?
Lenders must qualify you at the greater of your contract rate plus 2% or 5.25%. It doesn't change your actual rate or payment, but it does limit how much you can borrow. The Affordability calculator above applies it automatically.
When should I start shopping my mortgage renewal?
About 120 to 150 days before your maturity date. Most lenders will hold a rate for up to 120 days, and switching lenders at renewal is often possible without a penalty.
Can I get a mortgage if I'm self-employed?
Yes. Depending on how long you've been in business and how you report income, options include traditional lenders using two years of tax returns, stated-income programs with B lenders, and private lending. I match your file to the lender whose income rules fit.
Can you help if my credit isn't perfect?
Yes. Alternative (B) lenders and private lenders consider files that the big banks decline, such as bruised credit, recent consumer proposals or non-traditional income. The goal is usually a short-term solution and a plan to move you back to a prime lender.
Get in touch
Ready to get started?
Let's discuss your mortgage needs and find the right solution for you.