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Useful Links

Whether you want to learn more about how we can help you, want to stay up to date with mortgage news from the most credible banks, or just need help finding the most reliable information in the industry, here are some useful links that will provide you with what you need. If you can’t find what you’re looking for, contact our team.
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Trans Union Canada

Trans Union Canada is another consumer credit reporting agency providing credit reporting services to Canadian consumers.
Trans Union Canada is also a great source of credit-related information.

RBC lowers fixed mortgage rate, other banks expected to follow suit

Jivan Sanghera was featured in this Yahoo Finance Article about “RBC lowers fixed mortgage rate, other banks expected to follow suit”.

New CMHC requirements will have buyers flocking to the market: brokers

Experts in the real estate industry say CMHC’s new, strict lending measures will trigger a surge in home purchase volume as potential home buyers rush to the mortgage market before July 1, when these policies take effect.

“Whenever there has been a deadline given for a major mortgage rule change,” Ron Butler, mortgage broker at Butler Mortgage, told Yahoo Finance Canada “there has been a distinctly accelerated pace of transactions prior to that change.” Butler described that this has been the case with any rule change that was not immediately invoked.

CMHC’s new measures, which include at least one applicant having a minimum credit score of 680 and a maximum debt service ratio of 44 and gross debt service ratio of 35, mean that prospective home buyers who don’t meet the new requirements have a tight deadline to meet.

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Each year, the Municipal Property Assessment Corporation (MPAC) prepares an assessment roll for every Ontario municipality. The roll provides the assessed value of all the properties in a municipality or in the jurisdiction of a school board with taxing authority.

MPAC also prepares supplementary assessment lists, which municipalities use to add in-year tax revenue from new construction or major alterations to properties.

Mortgage Broker / Consultant – Burlington Post Readers’ Choice 2020

Mortgage Broker / Consultant – Burlington Post Readers’ Choice 2019

Jivan Sanghera has been nominated for the 2019 Burlington Post Readers’ Choice Awards as one of the best mortgage broker and consultant. If you believe in Circle Mortgage, Please have your votes in before Sunday February 10 at 11:59 pm.


REALTOR.ca is the most popular and most trusted real estate website in Canada. Owned and operated by the Canadian Real Estate Association (CREA), REALTOR.ca provides up-to-date and reliable information that makes finding your dream property easy and enjoyable. REALTOR.ca is popular with sellers, buyers, and renters and is accessible online and on mobile devices.

Equifax Credit

Your credit scores and reports change frequently. You’ll be able to check both your Equifax credit score and report anywhere, anytime, to see changes that may have occurred.


The Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as Canada’s national housing agency. Its mandate is to help Canadians access affordable housing options.

Canada Guaranty

Canada Guaranty is dedicated to earning our partners’ business by delivering best-in-class service in all of our interactions.


SagenTM , previously known as Genworth Canada, is Canada’s largest private mortgage insurance provider.

Burlington Food Bank

Burlington Food Bank is committed to ensure that no one in Burlington struggles with hunger. They provide food to those in need.

Halton Women’s Place

Halton Women’s Place is an organization providing shelter and crisis services for physically, emotionally, financially and sexually abused women and their dependent children and is dedicated to ending violence against women and their children.

Hamilton Food Share

Hamilton Food Share provides 3.35 million pounds of food a year to 12 food banks and hot meal programs serving Hamilton and surrounding areas.

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