Mortgages for business owners, investors, first-time buyers and families moving home, across Brampton and the GTA.
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Lenders read self-employed income from your tax returns, not pay stubs. Puneet reads them the way a lender will first, then matches you with a bank, or with a lender that looks at the business itself.
Lenders count part of your rental income and look at every property you already own. Puneet lays out your whole portfolio and finds the lender whose rules suit it, so the next purchase stays possible.
Buying your first home in Canada, whether you grew up here or just arrived. Puneet shows you what you can afford under the stress test, how to use the FHSA and the RRSP Home Buyers' Plan, and which newcomer programs fit your status.
The sale and the purchase rarely close on the same day. Puneet lines up the new mortgage with your sale date and arranges bridge financing when the money needs to arrive early.
Choose the situation that fits your plans and see what to consider.
01 · Self-employedMortgage options for business owners.
02 · InvestorsFinancing for the next property.
03 · First-time home buyersMake a plan for your first home.
04 · Moving homesPlan your sale and next purchase.
05 · RefinancingExplore your home equity options.
06 · New to CanadaMortgage options as you settle in.
Lenders read self-employed income from your tax returns, not pay stubs. Puneet reads them the way a lender will first, then matches you with a bank, or with a lender that looks at the business itself.
Lenders count part of your rental income and look at every property you already own. Puneet lays out your whole portfolio and finds the lender whose rules suit it, so the next purchase stays possible.
Buying your first home in Canada. Puneet shows you what you can afford under the stress test, and how to put the FHSA and the RRSP Home Buyers' Plan toward your down payment.
The sale and the purchase rarely close on the same day. Puneet lines up the new mortgage with your sale date and arranges bridge financing when the money needs to arrive early.
Your home has built up value. Puneet works out how much of it you can borrow, to renovate, to invest or to bring other debts into one payment, and weighs that against the cost of leaving your current term early.
Several lenders have programs for permanent residents and work permit holders with a short Canadian credit history. Puneet shows you which ones fit your status and which documents each one accepts.
Tell Puneet what you are planning. He will help you understand your mortgage options.
Canada is home to Puneet, and Brampton is where he has built his practice. He believes in hard work, fair dealing and looking out for neighbours. He brings that outlook to the people who trust him with a mortgage decision.
Licensed since 2017, Puneet works with Dominion Lending Centres Keystone Financial Experts. As a Mortgage Agent Level 2, he can arrange mortgages through banks, credit unions, alternative lenders and private lenders. That gives him different lending options to consider in light of your circumstances.
You can speak with Puneet directly about your plans, how you earn and the questions on your mind. Together, you can talk through the options before deciding what comes next.
Mortgage Agent Level 2 · FSRA licence M17000192 · Brokerage licence 13654 · Check it on FSRA.
We have been interested in buying a home since 2019. We are both self-employed which made things complicated. Every time we started the process there was some hurdle that forced us to stop our search. When we were referred to Puneet a few months ago, we were quite defeated. Puneet looked at our file and told us with confidence, "You're going to have your home. I got you." Every step of the way, Puneet came through for us. Honest, communicative and professional. He took every phone call with compassion and answered all our questions. It was a breath of fresh air. We closed on our dream home yesterday and we are still in disbelief. Thank you, Puneet and team! You really are "The Mortgage Mann".
If you are reading whether to use their services for any kinds of financial needs, don't hesitate. They are completely on your side and not only did they rescue us from our situation but they saved us money. They saved us money in our deal more than once and none of it went to them. Their fees were absolutely reasonable, beyond reasonable in our case.
I'm very happy with not only the outcome but I look forward to doing more business with them in the upcoming months for other things. They are completely on your side, they care about what happens to your lives not chasing the "bottom line". He worked outside of regular hours due to our schedules for work and my son's schedule as well.
You will be helped, like we were, and you will be so happy that you will be telling anyone about them as well.
For many people, the dream of homeownership can feel out of reach, but Puneet made that dream a reality for our family. His guidance, expertise, and dedication made the mortgage approval process smooth and stress-free from start to finish. He was always available to answer our questions and provided clear advice every step of the way. We are incredibly grateful for his support and would highly recommend his services to anyone looking for a knowledgeable and trustworthy mortgage agent.
Puneet provided an outstanding experience from start to finish. He was extremely professional, knowledgeable, and always available whenever I needed guidance. What really stood out was how quickly he responded and how clearly he explained every step of the process.
No matter how busy things were, Puneet always made time to answer questions, meet on short notice, and ensure everything moved smoothly. His dedication, reliability, and commitment to client satisfaction truly made the entire experience stress-free.
I would highly recommend Puneet to anyone looking for someone trustworthy, responsive, and genuinely committed to helping their clients succeed.
Puneet was a great person to work with to secure my mortgage. He guided me through every step of the way to a successful closing. I would highly recommend him
Puneet was introduced to us by a friend at a time when our hopes of securing mortgage financing were very slim. From our first conversation, he was patient, transparent, and incredibly supportive. He walked us through every step of the process, always made himself available to take our calls, and consistently reassured us along the way.
Thanks to his dedication and professionalism, our dream of owning a home is now a reality. I’m truly grateful and will gladly recommend Puneet again and again. Keep up the excellent work!
We were referred to Puneet by a friend for a condo closing. We were very tight on time and it was a stressful time (for us). Working with a professional like Puneet made this process so much easier. He was always very calming and answering our many questions with so much patience. Having had some poor experiences with others, we were weary of starting fresh with someone new. But his responsiveness, knowledge and very approachable demeanor puts him above all the rest! We look forward to working with Puneet again (in the very near future haha)
Mortgage lenders assess income, credit and property differently. Puneet’s Level 2 licence lets him explore A, B and C options with you.
How A, B and C lending works →
