Realtor · Mortgage Broker · GTA & Ontario

One Advisor.
One Strategy.
Your Best Move.

Most people deal with a Realtor and a Mortgage Broker separately — often with conflicting advice. Paul is dual-licensed in both, so you get one coherent strategy and full accountability from one person.

FSRA Lic. #M17000511
Brokerage #13187
Executive Real Estate Services Ltd.
Markets Served
GTA + Ontario
Brampton · Caledon · Tottenham · Toronto · Nova Scotia
Lender Access
50+
A, B & private lenders
Dual Licensed
2-in-1
Realtor + Broker
Current Best Rates
3.84% 5yr Fixed
5yr Variable from 3.45% · Updated July 2026
5-Year Fixed
3.99%
Best insured · A lender
5-Year Variable
3.45%
Prime – 1.00%
3-Year Fixed
3.84%
Best insured
HELOC
4.45%
Prime rate
Stress Test
5.99%
Qualifying rate
Updated July 2026
Realtor · Executive Real Estate Services Ltd.

Find, buy, or sell — with someone who understands the financing

As your Realtor, Paul brings data-driven market analysis, investor-grade property evaluation, and negotiation built on real mortgage expertise — so you never overpay and never get surprised at the bank.

Mortgage Broker · X Capital Financial · FSRA #13187

Access to 50+ lenders. A, B, and private — all in one place.

As a licensed Mortgage Broker, Paul shops your mortgage across the full market — not just one institution. Self-employed, new-to-Canada, investor, or complex situation — there's a path.

What is your home worth in today's market?

Get a free comparative market analysis — real data, no obligation, delivered in 24 hours.

Get My Free Valuation →
Who I Work With
Find your path

Whether you're buying your first home, building a portfolio, or in a situation most banks won't touch — Paul has the tools and the licences to help you move forward.

🏡
First-Time Buyers
Navigate the GTA market with confidence. CMHC, land transfer tax rebates, stress test — explained clearly so you don't overpay.
Get started →
📈
Real Estate Investors
Rental income qualification, DSCR, portfolio mortgages, BRRRR financing. Paul has done it personally — not just on paper.
Grow your portfolio →
💼
Self-Employed Borrowers
Two years of NOA not enough? Paul specialises in non-traditional income — stated income, gross-up strategies, B lenders.
See your options →
🏘️
Upsizing & Downsizing
Timing the sale and the purchase. Bridge financing, port & increase, porting your mortgage — all coordinated in one conversation.
Let's plan it →
🔄
Renewals & Refinancing
Don't auto-renew with your bank. Paul shops 50+ lenders at renewal time and can consolidate debt or unlock equity at the same time.
Save at renewal →
⚡
Private & Alternative Lending
Bridge loans, second mortgages, fast closes, power of sale — Paul arranges private capital when traditional lenders say no.
Explore private options →
Free Tools
Run the numbers yourself

Two free tools — mortgage calculator and free home evaluation. No sign-up required.

Free · Instant · No sign-up
Calculate your monthly payment, land transfer tax, CMHC insurance premium, stress test qualification, and full closing costs — all in one place.
PaymentLand Transfer TaxCMHCStress Test
Calculate my mortgage →
📊
Free Home
Evaluation
Free · 24-hour turnaround · No obligation
Get a real comparative market analysis based on recent sales in your neighbourhood — delivered to your inbox within 24 hours. Not a Zillow guess.
CMA ReportRecent SalesMarket Conditions
Get my free evaluation →
Client Results
Real people. Real outcomes.
★★★★★

“Paul got us approved when two banks turned us down. Self-employed for 3 years and he found a lender that understood our situation. Closed in 21 days.”

Priya & Arun K.
Self-employed buyers · Brampton
★★★★★

“As my Realtor AND my broker, Paul saved us from a $30K mistake on a property with hidden issues. Having both sides covered by one person is a game changer.”

Marcus T.
First-time buyer · Mississauga
★★★★★

“Refinanced my entire portfolio of 4 properties through Paul. He restructured everything to maximise cash flow and reduced my monthly payments by $1,800.”

Linda W.
Real estate investor · Caledon
Free Consultation
Get a personalised strategy — not a sales pitch

2 minutes to fill in. Paul calls you back within 24 hours. No obligation, ever.

1
Fill in the form
Tell Paul what you're working toward — 2 minutes
2
Paul reviews your situation
He looks at your file personally — not a junior assistant
3
You get a clear recommendation
Within 24 hours — with real numbers, not vague advice

Get Started

Free · Confidential · No obligation

Step 1 of 7
Step 1 of 7
What brings you here?
Select the option that best fits your situation.
🏡
Purchase a home
Buy a new home or investment property
💰
Refinance my mortgage
Access equity, lower my rate, consolidate debt
🔄
Renew my mortgage
My term is ending — I want to compare options
📈
Investment property
Rental, BRRRR, or portfolio growth
💬
Just exploring options
Not sure yet — let's talk
Step 2 of 7
Property type?
This helps identify the right lender for your situation.
🏡
Detached / Semi-detached
🏢
Condo or townhouse
🏘️
Multi-unit (duplex, triplex+)
❓
Not sure yet
Step 3 of 7
Purchase price range?
Approximate is fine — this helps find the right lender tier.
Under $500,000
$500,000 – $750,000
$750,000 – $1,000,000
$1,000,000 – $1,500,000
Over $1,500,000
Step 4 of 7
Employment type?
This is the single biggest factor lenders look at.
Salaried / employed
Self-employed
Business owner / incorporated
Retired or pension income
Step 5 of 7
Credit profile?
Honest is best — there's a path regardless.
Excellent (720+)
Good (650–720)
Fair (580–650)
Rebuilding / Not sure
Step 6 of 7
Your timeline?
No pressure — this helps Paul prioritise his follow-up.
Right away — within 30 days
Within 3–6 months
6–12 months out
Not sure yet
Step 7 of 7
How should Paul reach you?
100% confidential. Paul follows up within 24 hours.

By submitting you consent to being contacted by Paul Sawhney. No spam, ever.

✓
You're in!

Paul personally reviews every request. You'll hear back within 24 hours with a clear recommendation.

Or call now: 416.832.1211