Nish Ponniah - Mortgage Broker

Your home financing is within reach - Call Nish!

I'm Nish 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.

Contact Me About Me

1-on-1Personal guidance

20+Lenders compared

“Not tied to any single lender. Tied only to what's right for you.”

NishYour broker, your corner

About

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.

Services

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.

Calculator

Estimate your monthly payment.

Move the sliders for a quick ballpark. For a real number tailored to you, just reach out.

Home price

Down payment20%

Interest rate4.5%

Amortization25 years

Estimated monthly payment

$2,028

principal + interest

Down payment$90,000 (20%)

Mortgage amount$360,000

Total interest$248,400

Estimate only. Assumes a fixed rate compounded semi-annually. CMHC premium is added to the mortgage when the down payment is under 20%. Excludes taxes & other insurance. Let's get your real numbers.

Testimonials

Neighbours who found their footing.

★★★★★

“Excellent service from Nish. I knew I wanted to buy a house but had no idea how much I can buy for, or even how much of a down payment I needed... One phone call with Nish and it all became clear. I was able to look for homes in my right price range, and eventually, get a mortgage at a really nice rate. I highly recommend him to anyone looking for a reliable mortgage broker. Thanks again Nish!”

MohammadLocal Guide · 19 reviews

★★★★★

« Excellent service du début à la fin! Nish a su me mettre en confiance dès le premier contact. Il m'a accompagné dans le processus très laborieux de ma situation pas à pas et ils ont répondu à toutes mes questions et ce dans un temps plus qu'acceptable! Je recommande à tous M. Nish et je referai assurément affaire avec lui pour un projet futur. »

B.Google review

★★★★★

“He is so helpful, patient and professional. He had the answers to all my questions and concerns. Highly recommend.”

Sinthuja ThuraiLocal Guide · 27 reviews

Read all reviews on Google

FAQ

The questions I hear most.

Here's the best part of working with a mortgage broker: my services to you are completely free. My compensation comes directly from the lender, so there's no cost to you. I handle everything from A to Z, and you pay nothing for it — the best of both worlds.

Your bank can only offer you its own products. I'm independent, so I compare 20+ lenders — big banks, virtual lenders and others — to find the rate and terms that genuinely fit you, then handle the paperwork on your behalf.

Over the years, I've built strong working relationships with a range of lenders. That gives me inside knowledge of the different rates they offer — and in some cases, access to special pricing you wouldn't find on your own.

One credit pull has a small, temporary effect — and I only pull once, then shop that single check across many lenders. That's far gentler than applying to several banks separately.

Often the same day once I have your basics. A full pre-approval letter you can shop with usually lands within 24–48 hours, depending on documents.

Contact

Let's start with a conversation.

No pressure, no obligation — just answers. Tell me where you're at and I'll get back to you quickly.

Call or text(514) 884-6909

Email[email protected]

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