I help clients across Ottawa and Belleville with purchases, refinances, renewals and switches — from first-time buyers and new permanent residents to self-employed borrowers and investment property owners. With over a decade in Canadian banking, including three of the country's top five banks, I know how lenders actually assess a file. That means I can match you to the right lender the first time, structure complex deals that don't fit a standard box, and explain every step in plain language. Service available in English, Hindi and Punjabi.