RMA, Real Mortgage AssociatesFSRA LIC. #10464RICK SEKHON · MORTGAGE BROKER
416-473-9598Book a Call
Rick Sekhon, Mortgage Broker
Complete mortgage solutions

The right mortgage for who you are.

Experience seamless mortgage solutions tailored to your needs. From refinancing to reverse mortgages, we make it simple.

Book a CallCall 416-473-9598
3.69%*Best rate (OAC)
70+Banks & lenders
20+Years experience
5★Rated by clients

Licensed Mortgage Broker · FSRA · Real Mortgage Associates · DLCG Group of Companies

Not sure where to start?That's okay. Book a free call, no credit check, no obligation. Get started →
Services

The right mortgage for who you are

Every borrower arrives with a different story. Start with the one that sounds like yours.

For Homeowners at Term End

Renewal & Switch

“I almost signed it at the kitchen table. In under a minute.”

That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.

Learn more →For Existing Homeowners

Mortgage Refinance

“I'm sitting on home equity but I can't seem to access it.”

Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.

Learn more →For Property Owners

Second Mortgage

“I need funds now, but my first mortgage rate is too good to break.”

A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.

Learn more →For Homeowners 55+

Reverse Mortgage

“I want to stay in my home but I need access to my equity.”

Tax-free access to home equity with no required monthly mortgage payments, for homeowners 55+.

Learn more →For Flexible Borrowers

Line of Credit

“I want access to funds when I need them, not all at once.”

Revolving access to your equity, draw what you need, pay interest only on what you use.

Learn more →For Buyers

Home Purchase

“We found the place, now what's the smartest way to finance it?”

Pre-approval to keys for every kind of buyer, first home, move-up, downsize or investment.

Learn more →For Business Owners & Investors

Commercial Mortgage

“My business is solid, I need financing that sees that.”

Office, multi-unit residential, retail and industrial financing for owners and investors.

Learn more →For Investors & Landlords

Multi-Unit Residential

“I'm ready to scale past a single rental property.”

Duplexes to apartment buildings, including CMHC-insured multi-unit programs with preferred rates and terms.

Learn more →For Builders & Renovators

Construction Financing

“I want to build, but nobody hands you one big cheque.”

Staged-draw financing for custom builds, major renovations and builder projects, from land to completion.

Learn more →
Refinance worksheet · No credit impact

What could refinancing free up?

A quick, anonymous look at your equity, and what consolidating your debts could do to your monthly cash flow.

Illustrative rate of 4.00% over 30 years, subject to qualification. No credit check, no personal information required.

Equity you may be able to access
$95,000
Based on refinancing up to 80% of your home’s value.
Debts + cash to cover$37,500
New mortgage after refinance$662,500
Estimated new monthly payment (4.00%, 30-yr)$3,150/mo

For illustration only, not a quote, rate offer or financial advice. Actual rate, amortization and approval depend on your full file and are subject to credit approval (OAC).

Take it with you

Get a copy of your calculator results

Pop in your details and we'll send your numbers so you have them when you're ready.

No spam, no obligation. Your information stays with Rick's office. Or skip ahead and call 416-473-9598.

Purchase calculator · Ontario

Buying? Run your numbers

Real Canadian mortgage math, semi-annual compounding and CMHC premiums included. See all five calculators →

For illustration only. Not an offer to lend or financial, legal or tax advice. Actual figures depend on lender, insurer and legal review. O.A.C.

Est. monthly payment
$2,037.40
3.69% · 25-year amortization · semi-annual compounding
Down payment$100,000 (20.0%)
CMHC insurance premiumNone
Total mortgage required$400,000
Balance at end of 5-yr term$346,311
Take it with you

Get a copy of your calculator results

Pop in your details and we'll send your numbers so you have them when you're ready.

No spam, no obligation. Your information stays with Rick's office. Or skip ahead and call 416-473-9598.

How it works

Four steps from question to keys

STEP 1

Reach Out

Book a call online or phone directly, no credit check, no commitment.

STEP 2

Strategy Call

Talk through your goals with Rick's team and get a clear picture of your real options.

STEP 3

Compare Options

Your file is shopped across 70+ banks and lenders so the market competes for you.

STEP 4

Review, Sign & Close

We handle the documentation, coordinate with your lawyer, and get you to closing.

Step one is a free call.No credit check, no commitment.
Book a Callor call 416-473-9598
Rates

Today's best rate

3.69%*

5-year fixed · insured

Rates move daily and vary by credit score, property type, loan-to-value ratio and amortization. The advertised rate is a starting point, your rate comes from making 70+ lenders compete.

Get your rate

*O.A.C. Rate shown is for a 5-year fixed insured mortgage and is subject to change without notice. Certain conditions apply. Rate may vary based on credit score, property type, loan-to-value ratio, and amortization period.

Stay informed

Latest from the blog

Browse all 22 articles →

August 2, 2026

Why an Experienced Mortgage Broker Can Outperform Your Bank When You Refinance

Refinancing? An experienced mortgage broker may save you thousands. More lenders, less hassle, and better rates than a single bank can offer.

Read article →
July 26, 2026

Ontario HST Rebate on New Homes 2026: Up to $130,000 Explained

Ontario's Enhanced New Housing Rebate returns up to $130,000 of HST on a qualifying new home, but only up to $1.5 million. Tiers, deadlines, and what it does to your mortgage.

Read article →
February 14, 2026

Construction Loans and Building Your Dream Home

Financing a custom build works differently than buying a finished home. Draw schedules, holdbacks and how to keep your project funded from foundation to keys.

Read article →
FAQ

Straight answers

What does working with a mortgage broker cost?
For standard residential mortgages, nothing. The lender pays the broker on closing, so you get market-wide shopping, negotiation and guidance at no cost to you.
Will you check my credit right away?
No. The initial conversation requires no credit pull. When you're ready to proceed, one inquiry covers all 70+ lenders, not one per bank.
I was declined by my bank. Is it worth talking?
Especially then. A bank can only offer its own products. Alternative and private lenders approve based on equity and the full story, a bank's 'no' is usually where our work starts.
I'm self-employed. Can I still get a good rate?
Yes. Between tax-return programs, bank-statement programs and insured self-employed options, there's a path for nearly every business owner, the key is matching your file to the right lender.
How fast can a mortgage close?
A straightforward purchase or refinance typically closes in two to four weeks. Urgent situations, private funds, bridge loans, can fund in days when needed.
Which areas do you serve?
Based in Mississauga, serving Toronto, the GTA and 50+ municipalities across Ontario, from Hamilton and Kitchener-Waterloo to Barrie, London and Ottawa.
Ready when you are

Your next step starts with a conversation.

Free, confidential and no-obligation. Whether you're buying, renewing, refinancing or just curious, bring your questions and leave with a plan.

Book a CallWhatsApp 416-473-9598