Portrait of Raymond Munier

Raymond Munier

Toronto Mortgage Agent

(182 reviews)
CanWise Financial A Ratehub Company Lic. 12530 Contact Now
Raymond brings over 5 years of mortgage experience to the CanWise team. From Feb 2012 – Mar 2017 he worked in various mortgage related positions with CIBC including Mortgage Servicing Specialist, Mortgage Insurance Sale & Service Rep, Mortgage Renewal Specialist, and most recently he was a CIBC Mortgage Advisor working over the telephone banking channel. Raymond’s easy going approach will reduce the stress that can come with the mortgage process. He prides himself on providing each and every client the best experience possible.
  • Callum
    April 22, 2021

    Helpful and allowed me to take my time when thinking.

  • Callum
    April 22, 2021

    Helpful and allowed me to take my time when thinking.

  • Irene Doh
    December 9, 2020

    Quick response and accurate information provided

  • Thuy Dinh-vanherk
    December 9, 2020

    Raymond was very informative and helpful with all the questions and concerns I had with regards to my inquiry about mortgage renewals.

  • Peng Zhu
    December 9, 2020

    responsive and informative

  • Alicja Kapusta
    December 5, 2020

    Very helpful and amazing

  • Samuel Manashirov
    November 24, 2020

    Great help

  • Jerry Lazurko
    November 24, 2020

    I may be going with u

  • Verkeen Gorguy
    November 14, 2020

    Very professional

  • Vik Dhawan
    November 9, 2020

    Pleasent and to the point.

  • Prabhjote Singh Jhajj
    November 9, 2020


  • Poonam Sharma
    November 6, 2020

    I keep forgetting to reply his email which was response to my request. And Raymond kept sending me follow up emails until I replied.

  • Carlo Condarcuri
    November 5, 2020


  • Ruth Lakas
    October 23, 2020

    Agent was on the ball and kept me informed. Super appreciate it!

  • Parsa Beheshti
    October 18, 2020

    Easy to talk to. Very straight forward in answering any questions.

  • Rachid Mbarki
    October 16, 2020

    Raymond emailed me promptly and is working on getting me a good rate

  • Laura Muntz
    October 6, 2020

    Never followed up after the initial email.

  • Mark Schaerf
    September 3, 2020

    He seems nice and well organized.

  • Ilesh
    August 31, 2020

    Good customer service.

  • Ruth Hack
    August 27, 2020

    Raymond was knowledgeable and very friendly.

  • Manoj Gupta
    August 26, 2020

    He gave me honest advise and answered all my questions.

  • Cc
    August 22, 2020

    Persistance ti the right level

  • Michael Mechan
    August 19, 2020

    Contacted me on time, followed up with helpful emails.

  • Pallav Simariya
    August 8, 2020

    The agent provided information but was not energetic.

  • Andrea Phoenix
    August 7, 2020

    Raymond was knowledgable and helpful.

  • Juanito Vargas
    August 5, 2020

    Very good

  • Natalie Desjardins
    August 4, 2020

    Was quick to contact me

  • Grahame Stap
    July 31, 2020

    Our expirance was not good I am sorry to say It seemed that the person was to busy to call We recived only email suggesting we should Call. Not good at all Grahame

  • Vishal Verma
    July 25, 2020

    Everything was fine

  • Dan Galenkamp
    July 22, 2020

    Very prompt and tenacious in his follow-up.

  • Christine Frenette
    July 20, 2020

    Great information was provided regarding my situation

  • Amarjyoti Dinda
    July 16, 2020

    It was great interacting with Raymond. He was transparent, precise and reassuring. Made no tall promises, just asked for my exact circumstances and needs and offered a proper solution. Happy to refer Ratehub to people.

  • Karyn
    July 13, 2020

    Raymond provided great options and was very professional.

  • Carl Sawatzky
    July 11, 2020

    Professional, knowledgable, helpful

  • Kazi Hoque
    July 9, 2020

    Provided great advice and input on best step suited for me

  • Danielle Mcki
    July 8, 2020

    He was efficient to contact me, but I haven't heard from him since.

  • Dani
    July 7, 2020

    the service was fine, and the response was rapid

  • Santhosh Nagaraj
    July 6, 2020

    Raymond has been very responsive and helped me understand the steps easily, all in all it has been an uncomplicated experience.

  • Praveen K Nagaraj
    July 5, 2020

    Great conversation

  • Mohit Bhatt
    June 22, 2020

    Call with Canwise agent was very usefull to understand my options, I was not eligible for the product which I inquired for but the call was very informative and agent was friendly and patient while hearing my questions.

  • Dilraj Pama
    May 26, 2020

    Raymond called me promptly and left a voicemail. I called him back and he was available for a chat right away. He was patient with my questions, explained things about mortgages that I didn't know about and gave detailed answers to everything. I liked how he wasn't pushy at all and only wanted to help me get the information I needed. It was wonderful connecting with Raymond.

  • Liron
    May 25, 2020

    Amazing service and professionalism with knowledge , experience and talent

  • Norman Duguid
    May 12, 2020

    Great interaction with Raymond and prompt follow up by him.

  • Tina Kierans
    May 10, 2020

    Didn’t decide to use him but they promptly got in contact with me

  • Amritpal Dhadly
    May 1, 2020

    Was very helpful

  • Kirsten
    May 1, 2020

    Great service!

  • Robert Wing
    April 23, 2020

    still working my mortgage

  • Anh Van Tran
    April 15, 2020

    Quick response

  • Dina Beygelman
    April 8, 2020


  • Carla
    March 31, 2020

    Fast reply

  • Neil Fernandopulle
    March 27, 2020

    Raymond was very clear in his explanation of the various options for us. He is quick to respond to my questions. Very impressed with him.

  • Elvire K.
    March 25, 2020

    Available and professional.

  • Alan Garcia
    March 22, 2020

    Very helpful!

  • Dave Mitchell
    March 20, 2020

    He was knowledgeable, did not pressure me, and did not waste my time trying to sell me anything.

  • Matthew Pereira
    March 20, 2020

    Helpful, polite, but to the point.

  • Patrick Willman
    March 14, 2020

    very helpful and informative

  • Steve Selina
    February 27, 2020

    Excellent advise

  • Adam Abaida
    February 21, 2020


  • Alexandre Barrette
    February 13, 2020

    Very great customer service.

  • Joanna
    January 23, 2020

    I was grateful for the excellent information I received.

  • Leonid Chagal
    January 21, 2020

    Good agent

  • Eichelle
    January 16, 2020

    Responded in a timely manner unable to actually talk because of timing.

  • Gordon
    January 15, 2020

    Ray is very knowledgeable about the products and provided straight forward answers to my questions.

  • Varinder Kalsi
    December 4, 2019

    Very good knowledge.

  • Roba Farah
    November 15, 2019


  • Roba Farah
    November 15, 2019


  • November 9, 2019

    So fantastic

  • Jasmine Drolet
    November 7, 2019

    Very helpful and quick to reply.

  • Husein Kirefu
    November 6, 2019

    could have resent sent his email instead of telling me to find it.

  • Anita
    October 12, 2019

    Totally unsatisfactory. Won’t be using or subscribing to your service. He didn’t seem interested.

  • Ana Dasilva
    September 27, 2019

    Still waiting on follow up.

  • Angela Toni Marson
    September 25, 2019

    Thank you for contacting me. I appreciate the blind wall created by technology and the ease with which doing so, using tech sites creates new networks . From The Private Office of ATM Inc Angela Toni Marson Mrs. Perry Marson Angell International Relations Specialist Research and Professional Writing

  • Caine
    September 3, 2019

    agent has tried hard to connect with me and provide information.

  • Srinivasan
    September 2, 2019

    Very good support

  • Behrang Moazzez
    September 2, 2019

    I would like to be provided with the mortgage terms in email. The agent explained it over phone though it would be nice to have it emailed to help with decision making.

  • Kyle Sprague
    August 29, 2019

    Knowledgeable and understanding, he will keep in touch throughout the next few months on my schedule

  • Chris Tolsma
    July 20, 2019

    Doesn’t return emails.

  • Marianne Mask
    June 20, 2019

    Looking forward to further information about current mortgage rates. Thank you for your prompt reply.

  • Sudhir Saxena
    June 15, 2019

    Excellent and prompt service

  • Bob Kaminsky
    June 15, 2019

    I havent had the chance to Contact and speak with Raymond

  • Sudhir Saxena
    June 15, 2019

    Excellent and prompt service

  • Saji
    June 12, 2019

    Great Customer service

  • Randy
    May 29, 2019

    Good communication of information requested in a timely manner

  • Linda Banh
    May 24, 2019


  • Ahmed
    May 9, 2019

    I like to deal with him

  • Mihir Desai
    May 4, 2019

    Good experience about their services

  • Mark Punzalan
    May 4, 2019

    Good worker

  • Mathnaraz Ramdhony
    May 2, 2019

    Knowledgeable.not persuasive.

  • Moris Shammas
    April 20, 2019

    So beautiful

  • Basel Mansour
    April 20, 2019

    I called his office 3 times with no answer, he tried to call me back, but all that I get is a voice msg

  • Girma Eshetu
    April 16, 2019

    had good experience

  • Kathy McDonald
    April 15, 2019

    We have not applied for a mortgage yet, however Raymond was very helpful in helping us determine our options and needs. We will get in touch with him when we decide we are ready to get the process going to purchase.

  • Ersin Saygiliu
    April 13, 2019


  • Frank
    April 13, 2019

    he feel worry about my search

  • Monica Eickmeyer
    April 6, 2019

    Very informative and polite. A pleasure to consult about my mortgage requirements .

  • Sean O'Tare
    March 30, 2019

    Ray was very helpful in understanding the whole process and explaining the differences between traditional banks and mortgage brokers. I felt no pressure, CanWise had very good rates, and I was planning on using them. I did not end up purchasing the property and Ray was absolutely okay with that and I’ll contact him in the future.

  • James Martin
    March 29, 2019

    Friendly, easy to understand.

  • Cindy Culig
    March 28, 2019


  • Mark Ng
    March 26, 2019

    Great service

  • Jason Tysoski
    March 26, 2019

    Raymond was absolutely great to deal with. He has great attention to detail, explains things in a very easy to understand way, has excellent communication skills and is always prompt in returning phone calls and emails. He's made our experience very enjoyable and my wife and I couldn't be happier. Thank you Raymond for all your help! We look to be clients of yours until we no longer require a mortgage!

  • Manjeet
    March 21, 2019

    Wonderful site. Great help to find the real Market rates and choose the best . Thanks

  • Nick
    March 20, 2019

    Very helpful and open

  • Adnan
    March 12, 2019

    very professional

  • Hannah
    March 8, 2019

    prompt response and follow up

  • Christian Stumpf
    February 16, 2019

    Very attentive, supportive and client excellence oriented. Will definitely consider doing business with organization C.S.

  • Corey Shipp
    January 8, 2019

    Raymond Munier has been great at returning my emails.

  • Sukhvir Kaur Sidhu
    January 6, 2019

    Great knowledge and explanation

  • Ketan Patel
    January 5, 2019

    In the discussion with agent for mortgage.

  • Erika Ladouceur
    December 30, 2018

    Quick response

  • Paulo Andrade
    December 29, 2018

    No comments

  • Ronald Cristobal
    November 27, 2018

    very accommodating in terms answering questions ..

  • Suleiman Ocean Ihabe
    November 13, 2018

    I love to be partner with you for mutual benefit.

  • David Collister
    November 1, 2018

    I asked for information on a home equity line of credit. Raymond responded the next day to my request and advised me that few lenders were providing HELOC separately from a mortgage and suggested I follow up with my lender.

  • Hira Bhangu
    October 31, 2018

    Looking good so far, Raymond has been very helpful and patient. My application was anything but simple but he has been very helpful in putting it together so that I can get the best rate possible.

  • Paula Lameiro
    October 19, 2018

    He was Very knowledgable he is able to answer all my questions

  • Bobby Shergill
    October 16, 2018

    Excellent customer service.

  • Joe Knysh
    August 13, 2018


  • Gregory Crandon
    July 28, 2018

    Was reviewing my application

  • Rochelle Stewart
    July 28, 2018

    Very knowledgeable, tried his best to get a good rate for me. Very respectul and polite. Excellent soft skills.

  • Jessie McConkey
    July 25, 2018

    It was ok

  • Schurter
    July 13, 2018

    Was disappointed that there was not an opportunity to business in the first call but provided all requested information.

  • Jonathan Ruder
    July 4, 2018

    Quick callback, professional demeanor and delivered what was advertised on the rathub site. well played

  • Felicia Billaney
    July 4, 2018

    Rayman was excellent. He was very helpful he got back to me super fast with any questions I had I would definitely recommend him to any of mine who is looking to purchase a home

  • Freya
    June 29, 2018

    Help to solve my question professionally

  • Yan Fikh
    June 29, 2018

    very pleasant, but the offer was not accurate

  • Michaela Arias
    June 28, 2018

    Very knowledgeable

  • Alana Mcphee
    June 26, 2018

    Prompt service, but would be higher if he collected the threshold info first (such as the competing staff rate from TD) before bothering to collect my financial info.

  • Seqian Wang
    June 25, 2018

    Process went smoothly, got a call with the information. Would have preferred receiving the info in writing, but CanWise suggested to wait for when the actual mortgage process starts.

  • Emily Strong
    June 19, 2018

    Very helpful and quick to respond to any inquiries

  • Curtis Lee
    June 12, 2018

    Very knowledgeable, to the point no wasted time, not pushy.

  • Christine Evans
    June 8, 2018


  • Dhanesh Kumar
    May 31, 2018

    Advised aptly

  • Steve Lucyk
    May 27, 2018

    i don,t remember the persons name who i talked to but he was very helpful and kind

  • Jose Da Silva
    May 20, 2018

    Had lots of advice and rates to offer

  • Jose Da Silva
    May 20, 2018

    Had lots of advice and rates to offer

  • Matt Howard
    May 15, 2018

    very good and quick. nice speaking with you

  • Brent
    May 8, 2018

    He treated me with respect.

  • Jason Shapardanis
    May 5, 2018

    Very polite and knowledgeable

  • Syed
    May 1, 2018

    Good job

  • Jonelle Davies
    May 1, 2018

    Very good service

  • Omar
    March 27, 2018

    Very professional and approachable

  • Lucas Boluk
    March 21, 2018

    Questions answered

  • Medardo Ravago
    March 10, 2018

    Canwise give me a lower interest rate and it is awsome Thanks canwise

  • Shannon Binder
    March 9, 2018

    The agenda did not attempt to call me, at all. I only ever received two emails stating he was "sorry we had not connected yet'. After the second email, I called him. He was not in the office and I left a message with James, who couldn't seem to help me, either. I still have not heard from my agent....

  • James Mchattie
    February 28, 2018

    Raymond was very forthcoming with information and wasnt pushy. I appreciated our conversation without pressure.

  • Maria Castillo
    February 22, 2018

    Mr. Munier quickly responded to my inquiry which was actually very good. The dissappointing part was when I mentioned in my email that I was on CP. He just brushed off the idea and wrote that I have to wait for two years before Canwise can approve my mortgage and I have to re establish my credit first. I felt like being "scolded". Anyway, nothing was asked about how much our house is worth now and ho much we owe. I assume Mr Munier is a new mortgage agent. I don't think Canwise will get more customers if this is how agent will approach inquiries. It is a good experience and I have another company looking after us now.

  • Sondra Bedding
    February 21, 2018

    the agent was polite and forwith

  • Devin Kaulback
    February 17, 2018

    Reached out quickly.

  • Jennifer Goodyer
    February 10, 2018

    Raymond was very knowledgeable, helpful and followed up quickly.

  • Adam Smith
    February 2, 2018

    Quick to get back to me. Knowledgeable and informative

  • Lauren Spina
    January 30, 2018

    Good performance

  • Parvinder
    January 28, 2018

    Its fair

  • Chad
    January 25, 2018

    Didn’t hear back maybe they didn’t get my email

  • Ryan Gray
    January 20, 2018

    SteveDyment is amazing!

  • Tiffany
    January 18, 2018

    I was contacted via email to set up a date to discuss remortgaging, I responded with an email and gave two days that I was available for an phone appointment (and so that hopefully one of those two days would work with his schedule as well) Its now been a week and I haven't heard back from him yet...I will try contacting him again incase my email was missed somehow.

  • Stephanie Pascual
    January 18, 2018

    Good service. Follows up on inquiries quickly and he was knowledgeable. I just found having to do things electronically such as sending forms etc a challenge to those who are not up to date with technology. As opposed to a bank where i can meet with people and sit and fill up a form.

  • Juned
    January 14, 2018


  • Kingsley Ojukwu
    January 13, 2018

    Very helpful and knowledgeable.

  • Bahira Abdulsalam
    January 6, 2018

    Great experience

  • Dongxu
    December 27, 2017

    Raymond is helpful and replied emails very fast

  • Joy
    December 27, 2017

    Great follow through

  • Daniel Caya
    December 22, 2017

    Devoted trying to find what fits my situation best

  • Lalit Bhatla
    December 21, 2017

    He was quick and knowledgeable and tried his best to answer all my questions. I am going with him for my mortgage renewal.

  • Dave Morin
    December 18, 2017

    quick communications and very professional. Didn't end up switching but perhaps next time if the rates have a bigger difference in my payments

  • Marilyn Rankin
    December 11, 2017


  • Maria Da Silva
    December 10, 2017

    very good

  • Deborah Jasinski
    December 8, 2017

    Super friendly and accommodating to my crazy schedule

  • Behnam Bina
    December 1, 2017

    Quick and helpful

  • Ali
    December 1, 2017


  • Peter T Makaveev
    November 24, 2017


  • Don Thompson
    November 23, 2017

    Gave me solid advice related to my mortgage options. Can't do corporate stuff, but he was honest about what he could do. Certainly would contact again.

  • Rob Kirkwood
    November 23, 2017

    Solid. Didn't feel like I was being pressured.

  • Heather Brown
    November 23, 2017

    He seemed very friendly. I was just disappointed in the rates he could offer me.

  • Hamed Sabetrasekh
    November 5, 2017

    It's great to know how much your mortgage gonna be and also all the company that providing to you. Thanks ratehub to provide such a great thing like tgis very useful

  • Claire Taylor
    November 3, 2017

    Raymond was helpful, thorough and knowledgeable. I appreciated his insight.

  • Andrea Pryer
    October 31, 2017

    nothing to add

  • Gary Morgan
    October 28, 2017

    very pleasant and polite

  • Gary Morgan
    October 28, 2017

    very pleasant and polite

  • Donna Saleh
    October 15, 2017

    Raymond was very prompt and offered and explained different scenarios.

  • Chris Ridgen
    October 12, 2017

    Great interaction . very fast response, shared some great information with me

  • Andrew Koutsandreas
    October 5, 2017

    Quick response, answered all my questions in timely manner. Professional service

  • Brian Calleja
    October 5, 2017

    He is pleasant to talk with and knowledgable.

  • Neil Ferguson
    September 2, 2017

    Very nice and intelligent

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Suite 1100 - 20 Queen Street West
Toronto, Ontario
M5H 3R3
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