Find out what you can borrow.

Tell me what you're planning. I compare 50+ lenders across the GTA and surrounding areas and reply personally within one business day. No obligation.

Pre-approvals, renewals and refinancing
Self-employed and newcomer programs

Mortgage Agent Level 1

FSRA Licence #10428 · Mortgage Intelligence

50+ Lenders Compared

Meet Aly

Before we talk rates or payments, I take the time to understand what you're trying to achieve. I want you to know what I know, so we can make an informed decision together.

I'm a Mortgage Agent Level 1 with Mortgage Intelligence, serving buyers, homeowners and investors across the GTA and surrounding areas. I compare rates and terms from 50+ lenders.

Aly Daya · Mortgage Agent Level 1 · FSRA Licence #10428 · Mortgage Intelligence

How I can help

Buying, renewing, refinancing and more.

Pre-Approvals

A pre-approval tells you how much you can borrow before you start looking at homes. I review your finances, find a competitive rate and hold it, so you shop with a real number.

First-Time Homebuyers

Buying your first home is a lot to take in. I explain each step in plain language, from setting a budget to closing day, so you know what's coming.

Self-Employed Mortgage Solutions

If you're self-employed, your income may not look like a pay stub, and that's okay. I match you with lenders who work with business owners, freelancers and contractors, and I show them your income, credit and assets clearly.

Mortgage Renewals

You don't have to accept your lender's first renewal offer. I compare rates and terms across 50+ lenders, whether you want a lower payment, a shorter amortization or access to your equity.

Refinancing

Refinancing can let you tap your equity, pay off debt or restructure your mortgage. I compare your current terms with what's available today and help you decide if it makes sense for your plans, whether that's a renovation, an investment or something else.

Newcomer to Canada Mortgages

As a newcomer, you can qualify for a mortgage without a Canadian credit history. I work with lenders who have newcomer programs and help you show your income and savings.

Debt Consolidation

Consolidating debt through your mortgage rolls high-interest debts into one payment at a lower rate. It simplifies your month and can help you pay the debt down faster.

Bridge Financing

Bridge financing covers the gap when you buy before your current home sells. I set up short-term funding so the timing doesn't cost you the home.

Investment Properties

Rental properties are financed differently from a primary home. I help first-time landlords and growing portfolios find lenders and terms where the numbers work.

Proudly serving the GTA & surrounding areas

Common questions

Should I accept my lender's mortgage renewal offer?

Not automatically. A renewal offer is rarely your lender's best rate. Comparing across 50+ lenders before you sign can lower your payments, shorten your amortization or open up equity.

Can self-employed buyers get a mortgage in Ontario?

Yes. You just document it differently than a salaried employee. Lenders who work with business owners look at your income stability, credit and assets.

Can newcomers to Canada qualify for a mortgage without Canadian credit history?

Yes. Several lenders have newcomer programs that use other proof of financial reliability instead of a Canadian credit history.

What is bridge financing and when do I need it?

Bridge financing is short-term funding that covers the gap when you buy a new home before your current one sells.

How is a mortgage pre-approval different from a pre-qualification?

A pre-approval verifies your finances and holds a rate, so you have a firm number to shop with. A pre-qualification is a rougher estimate that isn't verified.

Where would you like to start?

Tell me what you're trying to do, whether that's buying, refinancing, renewing or just exploring. I'll follow up personally with a clear, honest answer.

Email: aly.daya@migroup.ca

Phone: 416-897-2387