Even with excellent credit, getting the right mortgage isn't as easy.
We help you find the right mortgage that will help you pay off
your loan as soon as possible.


We understand that you, like many other Canadians search for the best mortgage solutions, but often need some guidance in the right direction.

We are here to help you find the most efficient mortgage that suits your financial needs

Or whatever you're looking for.

Services We Offer

  • New Purchase
  • Refinance
  • Renewal
  • Switch/Transfer
  • Debt Consolidation
  • Home Equity Loan

Be mortgage free sooner!

Buying your first home can be overwhelming, but by working with a Joe Purewal and Associates, the process is simplified and all of that stress can go away! We will walk you through your purchase and get you the new home you want at a rate that you can afford.

Working with Joe Purewal and Associates is absolutely free and can save you thousands in the long run from interest, legal fees, and more!

Get the rate that you deserve by refinancing your current mortgage!

Nowadays, there are multiple reasons why Canadians like you are making the choice to refinance their mortgage. For example, since their initial mortgage, they may have been working on improving their credit score and now qualify for a new mortgage with a better interest rate and better term length so they can be Mortgage FREE, sooner. Maybe they wanted to stabilize their payments by changing to a fixed-rate mortgage from a variable rate mortgage. You can make the same decision like many Canadians have and look at options of refinancing your mortgage by scheduling a FREE consultation call with Joe Purewal and Associates.

Why do people refinance their mortgage?

Mortgage refinancing is a great option to pull out equity for consolidating debt or for financing home improvements, making investments, paying for college expenses and more.

At the end of your mortgage term, if you still have a balance, you will need to do something called a mortgage renewal.

Whenever you have an opportunity to renew your mortgage, it is important to shop around and assess whether your current mortgage is still in line with your current or new financial goals.

Joe Purewal and Associates make it easy for you by taking a deeper look into what type of interest rate and term length will get you mortgage free sooner!

Why do people switch or transfer their mortgages?

Oftentimes. Canadians switch their mortgages to take advantage of lower interest rates and ultimately save money from paying back their loans.

This way, you can become mortgage free faster by decreasing the amount of interest that is owed toward your loan.

Consolidate Debt By Refinancing Your Home!

Debt continues to be a major problem in cities throughout Canada. With the constant burden and stress many Canadians find relief by choosing to use a debt consolidation. With the equity from your home, it’s possible to eliminate that debt. Joe Purewal and Associates offer Debt Consolidation refinancing consultations which are always free.

Debt Consolidation Advantages
Payoff credit cards, college tuition or other high interest debt.
Take Advantage of being debt free, keep in mind high interest debt isn’t tax deductible like a mortgage.

What is Equity at Home?
Home equity is the difference between the market value of your house and what you owe on your property. For example, if your house has a $700,000 market value, and you owe just $50,000, you've got $650,000 of equity left in your house.

One of the biggest benefits of home ownership is the ability to create equity, particularly during your home ownership years. You may not be able to sell your equity, but the advantages from home equity loans provide access to funds that can boost your financial condition.

What is a home equity loan?

In Canada, a home equity loan is a generic concept that describes various forms of loans in which the borrower uses their home equity as collateral. In Canada, home equity loans usually offer higher sums and lower interest rates than unsecured loans, as the home is used as collateral. Other possible home equity loan advantages can include flexible repayment options – not to mention that they are often the only choice if unsecured loans are not available (if you have a low credit score, for instance).

You might be able to apply directly through your bank or via a mortgage broker if you are wondering how to get a home equity loan in Canada. Requirements for home equity loans differ according to the type of loan you are applying for.

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How We Help?

For over 20 years, Joe Purewal and Associates have been helping Canadians in Ontario obtain the best types of mortgages for all types of situations. Our primary concern is not your age, credit, or income when approving you for a loan which is why we're able to help out so many people!

Whether you're looking for a new home purchase, refinancing, switching your mortgage, reversing your mortgage or a private mortgage, we have ACCESS to all types of lenders to get you the loan you deserve!

It’s simple and free to get started! Don’t worry, we’ll take the right steps together:

Step 1

Gather the right information.

Step 2

Present your application
to the right lenders.

Step 3

Secure the best
approval for you.

Step 4

Funds available
within 10 days

Apply Now


Pick the right one for you! Get a Free Consultation

Safe. Easy. Trustworthy.

We provide a wide range of services to best serve you!
Get started today with a free consultation.


Rating matters

Check our 5 star review and apply
Devin Bugarin
Devin Bugarin
Verified review
Wanted to give a big shout out to Elle and her whole team for making the purchase of our first home very efficient and stress-free. Elle went above and beyond any of our expectations. We are extremely grateful for her patience, attentiveness and her insightful recommendations and referrals throughout this whole process. We highly recommend her and her whole team for all your mortgage needs. THANK YOU!!!
wasim syed
wasim syed
Verified review
One of the best & very professional Mortgage Brokerage in town. I have dealt with previous 2 brokerages but Joe Purewal & Associates Team is simply outstanding. They deliver what they commit point to point. This makes them different from all the existing Mortgage professionals. No surprises & no hidden clauses. Special thanx to Ms. Tracy & Ms. Priti for an out of the way & smooth transaction. Kudos to the team.....
Mac Immigration Canada
Mac Immigration Canada
Verified review
I highly recommend Joe Purewal because he is simply the Best Mortgage Broker in Ontario. I don't have words to express my feelings of gratitude for what he did for my family. Thank you sooooo much. God bless you and your team! Lucia and Eric Elliott
Gabriela Bragues
Gabriela Bragues
Verified review
We were referred to Joe by a friend, and we are beyond impressed and thankful for all that he managed to do for us. We went to a few different mortgage brokers, and none were able to get us the mortgage and rate that Joe got for us. Joe was able to answer all my million questions and always followed through on all his promises. Even when we got our rate and submitted everything to our lawyer, she was blown away at our rate-she said it's the lowest she has ever seen. We have already referred two other friends and family members to Joe, and they are equally as impressed. We can't thank Joe and his associates enough for their help and patience through this stressful but exciting time.
Daryus Azad
Daryus Azad
Verified review
If you need mortgage broker who can get the job done and get you the best rate, then Joe and his team is the one you need. They have the best service in town hands down
Rajen Gandhi
Rajen Gandhi
Verified review
We would like to acknowledge the exceptional service that we received from Joe purewal and his team. He found us the lowest possible interest rate. They do an exhaustive search to get you the best rate and find the best mortgage program available. We couldn't have asked for a better experience. We recommend Joe purewal & Associates to anyone in the market for a mortgage.
Suchi Patel
Suchi Patel
Verified review
I was referred to Joe Purwal by real estate agent. Both Jasmine and preeti have been very professional and made whole mortgage process very easy and pleasant.
Kunal Gohel
Kunal Gohel
Verified review
Where do I start. After dealing with previous mortgage broker, I became a bit skeptical regarding the whole mortgage refinance process specially we were/are in the midst of Covid-19. Meanwhile, I came across Joe Purewal and Associates. Joe has listened to my needs very thoroughly and then he showed great patience explaining the intricacies involved with the loan process in a clear and concise manner. Finally he gave us his suggestions and within days he got us an approval. It was evident that Joe really did good research for all the options, and do not just settle for the easiest or most utilized option. Needless to say, we were impressed by his passion, and his knowledge regarding the mortgage products available in this ever changing market. His full support and commitment to deliver the best option made the whole process smooth & easy with great outcomes! Joe and his team…Specially Preeti and Tracey, the time and effort you guys have put into our loan and closing process is obvious and we really want to thank you for everything you did for us to close the deal. Without Joe and his team it wouldn’t happen. For sure we will contact Joe Purewal & Associates when it is the next round of mortgage renewal. Also, we would not hesitate to give his referrals to family and friends. Thank you Joe and team..God bless you!
Roman Kunin
Roman Kunin
Verified review
As first-time home buyers the experience of obtaining a mortgage and submitting all subsequent documentation can be daunting. Joe and his associates streamlined this process for us, and were extremely friendly and responsive throughout (not to mention, they were able to secure us an incredible rate). As they were able to alleviate a lot of the stress we were feeling around the buying process, I would strongly recommend Joe and his associates to anyone looking at purchasing a home :)
Bronwen Davis
Bronwen Davis
Verified review
Joe and Elle were great! Got us an amazing rate, and continually worked hard to get us lower and lower rates. Always responded promptly, and advised us on what was needed. Would definitely recommend !