FSRA Mortgage Agent · Level 2 · Ontario

Smarter mortgage decisions for Ontario homebuyers & investors.

I'm Isha Grewal — a licensed Ontario Mortgage Agent (Level 2). I help first-time buyers, homeowners and investors compare 30+ lenders and choose a mortgage with confidence. Clear, strategic and pressure-free.

Check my mortgage options Book a 15-min strategy call
FSRA Licensed Access to 30+ lenders 5.0 stars on Google

Mortgage guidance for every stage

Built around your situation — not a one-size form.

Every borrower's story is different. These are the people I work with most, with clear guidance from first conversation to closing.

01

First-time buyers

Clear guidance, realistic options and support from pre-approval all the way to closing.

02

Homeowners refinancing

Review your current mortgage and explore better structures, lower payments or freed-up cash flow.

03

Real estate investors

Strategic financing designed around cash flow, risk and your long-term portfolio goals.

04

Self-employed & renewals

Lenders that understand business income, plus renewal shopping so you never auto-renew at a higher rate.

Why clients choose Isha

One application. More than 30 lenders working for you.

Mortgage decisions aren't just about rates — they affect your financial flexibility for years. I work with clients who want clarity, transparency and a strategy that fits their situation.

  • Access to 30+ lending institutions across Canada — major banks, credit unions, monoline and alternative lenders.
  • Independent advice — not tied to one bank, so the recommendation is always built around you.
  • Deep understanding of Ontario lending rules and guidelines, with clear, transparent recommendations.
  • Ongoing support beyond approval and closing — including future renewals and reviews.

What changes when you work with me

30+ lenders comparedBank: 1
One credit check, many offersBank: shop each one
Independent adviceBank: sells its product
Pressure-free, on your sideBank: rigid criteria
Get my best options

Mortgage payment calculator

See your payment in seconds.

Adjust the numbers to estimate your monthly mortgage payment, including default insurance where it applies.

$750,000
20% · $150,000
Estimated monthly payment
$0
per month · principal & interest
Mortgage amount$0
Down payment$0
Est. default insurance$0

Estimate only, using semi-annual compounding. Insurance applies when your down payment is under 20%. Ask Isha for today's exact rates and a personalized quote.

Get a real, personalized quote

Affordability calculators

Know your GDS & TDS ratios.

Lenders use two debt-service ratios to decide how much you can borrow. Check yours below, then book a call and I'll help you act on the numbers.

Gross Debt Service (GDS) Ratio

Measures what percentage of your gross income goes to housing costs alone.

Your housing costs
GDS Ratio
—
Typical CMHC limit: 39%

Enter your income and costs to see your ratio.

Find out what I qualify for

Estimates only. GDS counts 50% of condo fees, per standard lender guidelines. Final qualification depends on the lender, product and a full review.

How it works

A simple, straightforward process.

Initial review

A short conversation to understand your goals and situation. No pressure, no obligation.

Option comparison

I review mortgage options across 30+ lenders and bring you the strongest fit.

Application & approval

I handle the application, conditions and approvals — and keep you informed throughout.

Closing & ongoing support

Support through closing and future mortgage reviews, long after you get the keys.

Isha Grewal, FSRA licensed Mortgage Agent Level 2, professional portrait

About Isha

Your strategic mortgage partner in Ontario.

I'm Isha Grewal, a licensed FSRA Mortgage Agent (Level 2) and a three-time top performer on my team, with an MBA in Finance and a background in Project Management. With access to 30+ A, B and private lenders, I provide mortgage solutions across Ontario and Canada-wide. Backed by strong market expertise, I help families and investors secure smart, strategic financing — specializing in self-employed income, multiple-property portfolios, and pre-construction projects with blanket appraisals.

I'm deeply committed to managing every deal with integrity, timeliness and a streamlined approach. With in-house lawyer services and dedicated administrative support, I ensure faster processing, smooth closings, and a truly hassle-free experience — even for rushed applications.

Access to 30+ lending institutions Specialized in GTA & Ontario markets First-time buyer financing expert Investment property specialist Fluent in English & Punjabi Transparent, no-pressure approach
Work with Isha

My approach

The principles that guide how I serve every client.

Strategic approach

Every mortgage recommendation is backed by thorough analysis of your unique financial situation and goals.

Client-first philosophy

Your best interests always come first. I only recommend products that genuinely benefit you.

Relationship focused

I build lasting relationships with my clients, supporting them through every stage of homeownership.

Excellence in service

Committed to providing responsive, transparent and professional service from start to finish.

Client success stories

Trusted by GTA homeowners and investors.

5.0 on Google

"I had a great experience working with Isha Grewal. She is knowledgeable, patient, and always took the time to explain each step of the process clearly. I felt confident and well-informed throughout."

PPalki S.Google Review

"Highly recommend! Isha Grewal made the mortgage process simple and stress-free. Her expertise and clear communication were outstanding from start to finish."

AAastha B.Google Review

"Fantastic mortgage broker to work with — very professional, diligent and really helped to make the process streamlined. Highly recommend!"

DDilveer V.Google Review

"I truly appreciate their dedication to finding us the best mortgage solution. I would highly recommend their services to anyone seeking a reliable mortgage broker."

JJaskirat S.Google Review

"She is the best and most trustworthy advisor for any kind of mortgage. She kept us well versed and transparent throughout our process — very responsive and helpful. Highly recommend."

TThe RashkarGoogle Review

"Isha is very hard working for her clients. For us, she did a phenomenal job for our 4 mortgages and refinancing."

HHarry B.Google Review

On TikTok

Mortgage tips & market updates from Isha.

Short, clear videos on rates, pre-approval and buying in Ontario — follow along for the latest.

@ishagrewall_mortgages
Follow @ishagrewall_mortgages on TikTok

Common questions

Ontario mortgage questions, answered.

You need at least 5% down on the first $500,000, and 10% on the portion from $500,000 to $1.5 million. Homes over $1.5 million require 20% down. With less than 20% down your mortgage is insured (CMHC, Sagen or Canada Guaranty), which lets qualified buyers enter the market sooner.
For most residential mortgages with A lenders, my service is free to you — the lender pays the commission when your mortgage funds. You still get access to 30+ lenders and full rate-shopping. If a specialized B-lender or private solution is needed, any fees are disclosed clearly upfront before you commit.
Your bank can only offer its own products. As an independent FSRA-licensed agent, I compare more than 30 lenders — major banks, credit unions, monoline and alternative lenders — to find the best fit. That means more options and one application instead of shopping bank by bank.
Yes. I work with A and B lenders that understand business income, retained earnings and add-backs, so we structure an approval around how you actually earn. Typical documents include two years of financials, T1 Generals, Notices of Assessment and business registration.
Most A lenders look for a score around 680+ for the best rates, though approvals are possible below that. If your score is lower, B and alternative lenders offer solutions while you rebuild. I review income, down payment and credit together before recommending a lender.
A fixed rate keeps your payment the same for the full term, giving certainty. A variable rate moves with prime and can save money when rates fall, but carries more risk. The right choice depends on your budget, risk comfort and plans — I'll walk through both with real numbers for your situation.
I serve clients across the Greater Toronto Area and the Waterloo Region — including Toronto, Mississauga, Brampton, Vaughan, Oakville, Caledon, Kitchener, Waterloo, Cambridge and Guelph — plus communities across Ontario. Most of the process can be done online or by phone, so distance is rarely an obstacle.
Yes — alongside the GTA, I regularly help buyers, homeowners and investors in Kitchener, Waterloo, Cambridge and Guelph. As a licensed Ontario FSRA Mortgage Agent (Level 2) I compare 30+ lenders and handle everything online or by phone, so you get the same options and personal service wherever you are in southern Ontario.
I help clients in English, Punjabi and Hindi, making the mortgage process clear and comfortable for the GTA's diverse communities.

Service areas

Serving the GTA, Waterloo Region & Guelph.

Isha works with homebuyers, homeowners and investors across the entire Greater Toronto Area and the Waterloo Region — including Toronto, Mississauga, Brampton, Vaughan, Oakville, Caledon, Kitchener, Waterloo, Cambridge and Guelph. Most of the process can be completed online or by phone, so distance is rarely an obstacle.

Greater Toronto Area

Toronto Mississauga Brampton Vaughan Oakville Caledon

Waterloo Region & Guelph

Kitchener Waterloo Cambridge Guelph & across Ontario

Get started

Book your free, no-obligation consultation.

Tell me a little about what you're looking for and I'll get back to you quickly with clear next steps — whether you're buying, refinancing or just exploring your options.

416-629-2006Call or text
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