About Us

WHO WE ARE

We work all day and all night

Mortgage On Time is a recognized registered mortgage brokerage licensed to carry out residential and commercial mortgage transactions province wide. Our brokerage thrives on arranging all types of mortgages. We arrange mortgages through our strong relationship with chartered banks, credit unions, trust companies, syndicated and individual private lenders. Mortgage On Time offers personalized service that is professional, ethical and knowledgeable. We have over 20 years of accumulated experience in Mortgages and the Real Estate Market. Enjoy the benefits of our mortgage and real estate sales teams working together. We can truly help you get a better Mortgage!

Dedicated Team

Here is Our Professional Team

Shawn Sehgal

PRINCIPAL MORTGAGE BROKER

Rishi Sehgal

Business Development Manager

Why Use A Mortgage Broker?

img-section-11.jpg

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs.

Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

Reasons to use a Mortgage Broker

  • Access to different lenders, banks, trust companies, investors and financial institutions.
  • Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)
  • They are experts at matching you with the best-suited mortgage.
  • Get mortgage rates at wholesale, guaranteed up to 120 days.
  • They work for YOU, not the bank.
  • Up-to-date on all the mortgage rates, terms and re-payment options available on the market.
  • They only specialize in mortgages and are knowledgeable on current trends.
  • They increase competition in the market place, thus keeping rates low.
  • They save you time and money!
  • Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.

Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.

Our Lenders

Get In Touch With Our Specialists