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.
Serving everyone across Quebec & Ontario
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.
You get me — start to finish. No call centres, no banking advisors who only care about their own pockets.
I'll walk you through it from A to Z. Any question you have, I'm just one call or email away.
I work with 20+ lenders, including all the big banks, so we can truly find the best deal for you.
My services are free — I'm paid by the lender, not by you.
From your very first pre-approval to renewing on better terms, here's how I help.
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.
Don't auto-sign your bank's renewal. I shop the whole market so your next term works harder for you.
Consolidate debt, fund a renovation, or unlock equity — structured around what your future plans need.
Move the sliders for a quick ballpark. For a real number tailored to you, just reach out.
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.
“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!”
« 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. »
“He is so helpful, patient and professional. He had the answers to all my questions and concerns. Highly recommend.”
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.
No pressure, no obligation — just answers. Tell me where you're at and I'll get back to you quickly.