I'm Nishanth Ponniah, an independent mortgage broker. My job is simple: find you the best rate and make the whole process feel easy from start to finish.
Serving everyone across Quebec & Ontario
A mortgage broker you can trust.
Born and raised in Montreal and of Sri Lankan descent, I grew up surrounded by people from every kind of background — and that shaped how I work. I connect easily with people from all walks of life and all cultures, and I make sure everyone feels understood. I've spent over 10 years working for the big banks, learning everything I could about the mortgage industry. Along the way I realized what would bring me true happiness: to work for myself, and for you directly. Getting a mortgage is often the biggest financial decision of your life, and I'm here to help you make the best decision for yourself and for your family.
Personal touch
You get me — start to finish. No call centres, no banking advisors who only care about their own pockets.
Easy Process
I'll walk you through it from A to Z. Any question you have, I'm just one call or email away.
More options, better rates
I work with 20+ lenders, including all the big banks, so we can truly find the best deal for you.
No cost to you
My services are free — I'm paid by the lender, not by you.
Whatever stage you're at, there's a path.
From your very first pre-approval to renewing on better terms, here's how I help.
Purchases
First home or next investment property, it starts with knowing your budget. I'll pre-qualify you upfront so you can shop with confidence and make offers that stand out.
Renewals & switches
Don't auto-sign your bank's renewal. I shop the whole market so your next term works harder for you.
Refinancing
Consolidate debt, fund a renovation, or unlock equity — structured around what your future plans need.