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
4.04% 5yr Fixed
5yr Variable from 3.35% · Updated May 2026
5-Year Fixed
4.04%
Best insured · A lender
5-Year Variable
3.35%
Prime – 1.10%
3-Year Fixed
3.99%
Best insured
HELOC
4.45%
Prime rate
Stress Test
6.04%
Qualifying rate
Updated May 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