Portrait of Jay Goyal

Jay Goyal

Toronto Mortgage Agent

(269 reviews)
Ratehub.ca Lic. 12530 Contact Now

For more than 14 years Jay has helped hundreds of his clients save thousands of dollars by helping them explore various mortgage options and choose the right mortgage products. For Jay, getting to know his clients and their financing requirements well is really important. In the past, Jay has worked as a principal broker for one of the largest independent mortgage brokerages in Canada and has also been a successful entrepreneur and investor. Jay has graduated in Bachelor of Engineering, has a certificate in Financial Services Underwriting with Honours from Seneca College, Toronto and has also got an MBA from IIM Ahmedabad, India.

  • Google Review
    February 7, 2023

    Jay Goyal helped me to secure my mortgage. I was referred to Jay by a friend who had a great experience with him. Jay was very professional and knowledgable. I really appreciated all his advice and behind the scenes work. He was also easy to get in touch with and showed a lot of empathy through the whole process. - Valeria Kozlova

  • Google Review
    February 7, 2023

    Jay Goyal helped me to secure my mortgage. I was referred to Jay by a friend who had a great experience with him. Jay was very professional and knowledgable. I really appreciated all his advice and behind the scenes work. He was also easy to get in touch with and showed a lot of empathy through the whole process. - Valeria Kozlova

  • Google Review
    November 4, 2022

    Service was great and highly responsive. Their reps were very knowledgeable and understood my deadlines and most importantly my financial goals. Mortgage renewl experience was seemless. Thank you Jay!! - WILLIAM MENDES

  • Google Review
    October 1, 2022

    I had a great experience getting my mortgage renewed through Ratehub. felt I got the best possible mortgage rate with TD ,absolutely no additional fee - they even reimbursed my appraisal fee and other expenses . The whole process was flawless and fairly straightforward. My agent Jay was so helpful and knowledgeable. He answered all my questions within short time. I strongly recommend you give Ratehub or Jay a call before you sign a mortgage paper with those big banks. - Costel Popa

  • Google Review
    September 20, 2022

    We worked with Jay and he has been a delight to work with. As a first time home buyer we had a lot of questions and he was always happy to answer those and set up multiple calls to go over details, address our concerns and even give his 2 cents. Canwise has been excellent in support our mortgage requirements, especially when the market has been so dynamic! - Nikhil J

  • Google Review
    August 15, 2022

    Ratehub provided the best rate when no other bank or brokerage were ready to negotiate given the market conditions were reversing as bank of canada was increasing the rate. Moreover I would like specially call out Jay Goyal’s exceptional customer service to ensure that all documents were received on time and ensured the funds were released in a timely manner. Even when he was down with Covid-19, he ensured to pick my call and redirect me to the person in charge who was standing by helping out on my closing day. Highly recommend both Ratehub and Jay Goyal’s exceptional customer service for your home loan needs!!! - Karthik Shivkumar

  • Google Review
    August 11, 2022

    5 star google review - Pat Duffin

  • Google Review
    July 23, 2022

    Jay put a lot of work in getting me a great rate in 2022, even with all of the uncertainty regarding interest rates and inflation. He had several options available and walked me through the pros and cons of each. Highly recommended. - BK Cros

  • Google Review
    July 18, 2022

    Jay is very helpful and knowledgeable broker. He made the entire process simple, kudos to excellent customer service. - Anurag Kumbhaj

  • Google Review
    July 11, 2022

    Nothing but good things to say about my experience working with ratehub and Jay Goyal. This was my second time working with Jay and he continued to provide excellent service and advice throughout the process of obtaining a mortgage. Will definitely look to work with him again when it comes time for renewal. Can't recommend highly enough! - Kevin Vani

  • Google Review
    July 1, 2022

    We used Jay Goyal as our broker twice so far and recommended him to family. We've all been happy with him. Recently at our refinance, he found the best option and we signed the paperwork, and later on he was able to find an even better option, so we changed plans. I was impressed that even after we had settled on an option that he kept looking out for even better options and bank promotions for us. He is also very prompt in his responses and answers any questions we have. - M Guinn

  • Google Review
    June 22, 2022

    I can't ask more than what I was offered. Thankyou Jay and your team for tremendous support to get my first home in Canada. - ANIL BARAL

  • Google Review
    May 18, 2022

    Jay helped me with my mortgage approval. The process was pretty smooth and I did not face any issue at all. - Bhupinder singh

  • Google Review
    May 17, 2022

    As a First time Homebuyer, I had very good experience with Jay Goyal from Ratehub. He explained entire process nicely as well as sorted out my mortgage related question very well. Entire process with him felt like a piece of cake.! - Amit Banker

  • Google Review
    May 16, 2022

    “My husband and I had a wonderful experience working with Jay Goyal in refinancing our home mortgage. From beginning to end, he was informative, extremely thorough and attentive to our financial needs, thus making sure that we were getting the best deal possible. This is our second experience working with Jay and we would highly recommend Jay and Canwise to anyone.” - Rytta Cabanlig

  • Google Review
    March 17, 2022

    By far one of the best mortgage company I have worked with. Mortgage specialist Jay was very helpful and guided us through the entire process. He was always available whenever we needed his inputs - Prashant Dudami

  • Google Review
    February 14, 2022

    We have a First mortgage in Canada and it was done very smoothly. Credit goes to CanWise Financial. Jay from CanWise helped us at each and every step to explain the process and answer to our questions. We can recommend to others without any hesitation. - Shailesh I. Patel

  • Google Review
    January 24, 2022

    My and my wife recently closed mortgage 1 month again. As we were looking around the options, I came across Pankaj (Jay) Goyal. I had asked him so many questions to understand the mortgage terms conditions and different terms. He was always available and prompt to answers my queries anytime and he provided very honest opinion and explained everything very clearer. I was happy and very delighted to work with him and Canwise and would highly recommend my friends and family to work with him in future. - Suyog Shah

  • Google Review
    January 14, 2022

    Very professional service. I would like to thank Jay Goyal who is very knowledgeable and supportive.His advices and suggestions made the whole process much easier. -Ghas L

  • Google Review
    January 11, 2022

    Dealing with Jay & team has been great - he worked hard to get us a great rate and was always very responsive...highly recommended! - Jon Merrifield

  • Google Review
    November 25, 2021

    I received very good service from Jay Goyal from start to finish. - Elvis Varghese

  • Google Review
    November 25, 2021

    Wonderful experience working with Jay at CanWise. Very professional and helpful! - Mansoor Barati

  • Google Review
    November 25, 2021

    Jay Goyal has helped arrange various mortgages for me going back many years. He’s professional and provides a great customer experience. Jay also provides me expert insight into options and tailors things to what I’m looking to achieve. 5 stars. -Sukvinder Singh

  • Google Review
    November 21, 2021

    We have been getting mortgage from the major bank all the time, we never know we could get a lower mortgage from other places until Jay from CanWise reached out to us. Jay is very profession and patient, he helped us get a great mortgage! We definitely would let more friend know about it to help them save the money! - Lei Hu

  • Google Review
    November 2, 2021

    CanWise provided us excellent service. We were looking for home mortgage and we reached out to Jay from CanWise, he is very knowledgeable and guided us throughout the process and was very responsive to our email/call. Also like to mention CanWise offered us the best mortgage rate available in the market. - Sumit K

  • Google Review
    October 28, 2021

    CanWise and Jay were absolutely fantastic. No pressure, honest, patient: the three qualities one would want their broker to have. Highly recommend. - Praneel Gayan

  • Google Review
    October 15, 2021

    I was a first time home buyer, and I was looking for a mortgage to fund my purchase. I didn't know too much about the whole process, but Jay from CanWise was very helpful during each step of the journey. He was patient and answered all my questions, and guided me throughout the process. He was able to secure a very good mortgage rate and the approval process was very quick & simple. I would recommend speaking with Jay from CanWise to anyone looking for a mortgage. - Bhargav Karkar

  • Google Review
    August 7, 2021

    Jay was great, a pleasure to deal with! Highly recommend, got me a fantastic rate with TD. -navroz jiwani

  • Google Review
    August 3, 2021

    Very happy with CanWise Financial. I have worked with Jay Goyal on two renewals. He is very knowledgeable and has been able to find me the best rates! Highly recommend him. - Zlatka Panteva

  • Google Review
    July 12, 2021

    Highly recommend working with CanWise Financial..I did my two of two transactions related to home purchases with them and was highly impressed with their professionalism and commitment..Mr. Jay Goyal, my mortgage agent, helped me in both (past and recent) transactions. He is highly skilled, and keep his commitment of helping from start to end. He helped me reduce my rate of interest from initial approval vs final rate on disbursement. He will answer all your questions with patience and guide you at each step of mortgage and transaction wherever necessary. Very happy with my decision of working with CanWise!!!!! - Ratan Kumar Verma

  • Google Review
    June 23, 2021

    As a first-time home buyer, I had a lot of questions and didn't know what to do. Jay, my agent, was very helpful and made the process quick and painless. I look forward with working with CanWise again in the future. - Jacky Xu

  • Google Review
    May 21, 2021

    Great rates - i was able to secure 1.39% 5 Year Fix mortgage switching to Equitable Bank via CanWise. Jay Goyal, the broker, were very helpful in guiding us through the process. - Jayson Au

  • Google Review
    May 13, 2021

    Great and wonderful work from Jay Goyal! - Mike Chiasson

  • Google Review
    May 5, 2021

    Canwise is a professionally run, managed and operated business. They delivered the best rates, exactly as promised and were very thorough and transparent. - Darsh Ackloo

  • Google Review
    March 27, 2021

    I'm glad that years ago I found Jay Goyal online as a mortgage broker. Over the years I will contact Jay when I felt I was ready to purchase my first time home however it never came to fruition until January 2021! As a FTHB, the process was seamless. Jay must live on his computer because buddy is always quick to respond to my messages. We made it work with BC and Ontario time difference. I was also given helpful advice from Jay regarding the home I'm buying, ie. city inspection certificate, PTT inquiry (turns out I didn't have to pay PTT as it was a new build and I'm a FTHB...however if Jay hadn't mentioned, the notary would have had me pay because they didn't know about the new build...nutz!) DO YOUR OWN DUE DILIGENCE (will save you massive cash AND time). Jay is very professional and friendly, I don't suffer fools and my money is sacrosanct (means untouchable). Anyways, thank you Universe for always looking out for me even when I was unaware because Jay made this experience beautiful. If only my notary and realtor were as on the ball...useless lot. One aspect I wasn't comfortable with was the amount of personal data needed to get a mortgage! Damn. It was intense. They wanted my left kidney, both ovaries, and also a lung. LOL. As a private person, it was hard however that's the process to get a mortgage in Canada. C'est la vie. Thank you Jay. Will be chatting soon for another purchase in the near future ;) - J. Forson

  • Google Review
    March 23, 2021

    Great service 👍 - Ranga

  • Google Review
    March 9, 2021

    This was our first experience with a mortgage broker. Jay made our first experience very easy, seamless and he was able to give us a good rate. He was very responsive and we're glad we went with Canwise. Highly recommended! - David Tran

  • Google Review
    March 7, 2021

    We had an excellent experience with CanWise. We got a great interest rate and Jay Goyal was a great help through the process. Thanks! - Rahim Janmohamed

  • Google Review
    March 4, 2021

    I've gotten two mortgages done through Jay Goyal at Canwise and I am a happy customer. In the past I made it very clear what I was looking for with other brokers but kept getting pitched on things I didn't want. Jay didn't waste my time and got me exactly what I wanted. I price checked by going directly to TD and somehow Jay got a better rate approved at TD than what TD themselves could offer me directly. Prior to this, the 1st mortgage he did for me was through MCAP and when I spoke with an MCAP rep about some administrative thing, she commented that in her 15 years at the company she has only seen ONE other customer with a rate as far below prime as what I had. Pretty solid work! - Miraj Syed

  • Google Review
    February 5, 2021

    Jay G was very helpful and professional. We were able to get a great rate, as quoted on ratehub, for our first-time mortgage with no surprises. Everything was arranged over email and phone with little hassle. Highly recommending their service - Taras Pankov

  • Google Review
    January 23, 2021

    Highly recommended, my current lender was providing me with a %2+ rate on my mortgage renewal, but Jay from CanWise was able to find me a more suitable lender at a much lower rate (-%0.5). Communications were timely and professional, and the whole process was quick and painless. - D D

  • Google Review
    December 21, 2020

    My wife and I just purchased our very first home and we couldn't be happier with Canwise's services. We dealt directly with Jay Goyal and his professionalism, attention to detail and quality of service was exceptional. He made the entire process of obtaining our mortgage so seamless and hastle free. Jay guided us throughout the whole process and was always available to answer any questions we had. He told us exactly which documents are needed and when they were needed. We cant thank Jay enough and would highly recommend him to our friends and family looking to obtain tbeir mortgage. Jay was able to get us the best available rate in the market. Thank you Jay for everything. - Karan Rao

  • Harjit
    December 16, 2020


  • Duncan Stanage
    December 13, 2020


  • Hyun Choi
    December 12, 2020

    Knowledgeable and straightforward answers

  • Lindsay M
    December 11, 2020

    He was consistent with the initial reach out, once I replied he was very quick to reply with guidance and advice.

  • Aasim
    December 11, 2020

    Very informative

  • Lindsay M
    December 11, 2020

    He was consistent with the initial reach out, once I replied he was very quick to reply with guidance and advice.

  • Google Review
    December 10, 2020

    Fantastic rates and service end-to-end through the process. Thanks so much! - Samantha Jones

  • Google Review
    December 7, 2020

    After mortgage rates became at all-time lows, I was 2-1/2 years into a 5-year fixed term mortgage at a rate 77% higher compared to best mortgage rates available in the market. I contacted my previous broker and asked him to look for options to get a good deal for early renewal, with no success. I also tried to negotiate with my previous lender to get early renewal at a reasonable discount rate, but they did not even bother to make any offer. Then, I turned to CanWise Financial looking for help, and I got a prompt response from Jay Goyal. He asked me a few questions and after a quick assessment, he offered me the best mortgage rate available. Jay was very diligent dealing with my mortgage process and getting the approval. He responded all my questions and concerns in no time. Thank you ver much for your help, Jay. You did a great job! - Martha Perez

  • Derek Rothnie
    December 4, 2020

    Easy to deal with.

  • Madhav Desai
    November 30, 2020


  • vunnikri
    November 28, 2020

    Jay seemed to be knowledgeable and gave me good advice. Will recommend to others.

  • Tom Tabor
    November 26, 2020

    Could not use

  • John Davies
    November 19, 2020

    Agent got in touch with me and is looking into my mortgage needs. Thx

  • Google Review
    November 9, 2020

    We recently got our mortgage from Jay Goyal. As a first time home-buyer, he explained everything in detail and always responded quickly to our questions or concerns. He made sure our process was smooth, and with no hiccups in between. I would highly recommend them. - Shainil Sagar

  • David & Margaret Corey
    November 4, 2020

    Very helpful. Answered all our questions. Offered good advice.. Also is available for following up with questions. Easy and pleasant to talk to

  • Mohammad M. Garshasb
    October 29, 2020

    Contact was quick. Agent was helpful.

  • Nayan Patel
    October 28, 2020

    quick response

  • Seby
    October 25, 2020

    Prompt follow ups, appreciated the responses and time.

  • Google Review
    October 24, 2020

    I am a first time home-buyer having moved to Canada within the last couple of years. Jay Goyal made me comfortable right from the start(more than a year ago). He was regular in checking for updates while we were taking the time to choose a home that would work for us. I did think Jay could have been a little more diligent in checking for the documentation I provided rather than doing it at the last minute. That being said, I would certainly go to them first when my mortgage is due for renewal. Thank you for a wonderful experience. Lakshman Chandrasekaran

  • Google Review
    October 19, 2020

    Jay was very patient and kept in touch with me almost on daily basis. It was very pleasant to deal with him and got me an amazing re-finance rate. Liridon Hyseni

  • Jonathan Beresford
    October 18, 2020

    Was super welcoming and broke things down for me very easier to understand at my knowledge level. Thanks Jay

  • Marilyn Faralli
    October 17, 2020

    He was quick to respond and eager to move along.

  • Google Review
    October 17, 2020

    CanWise was a great experience when we needed things done on time.I got quick response time when I had any questions.Very friendly place to do business. Manny Cordeiro

  • Steven Jamieson
    October 16, 2020

    Agent is "Vladimir Stanev"...not available from the drop down above.

  • Google Review
    October 12, 2020

    Great company with really good rate. They will take the time to explain their product in detail with patience. Jay Goyal treated us very well and responded quickly to all our questions. Thank you and don't hesitate to do business with them. Great company with customer satisfaction in mind. Jeannine Langevin

  • Hany Soliman
    October 6, 2020

    Very responsive and accommodating

  • Mike M
    September 22, 2020

    Knowledgeable and pleasant. Very easy to deal with.

  • Google Review
    September 19, 2020

    First of all I would like to thank Canwise and my agent Jay Goyal for making the whole process less painful and giving me the best rates possible out in the market. Jay has been incredible with details, questions i had and also the follow-up the process. I had talked to four different agents from different companies and I choose Canwise. Jay is very patient, attentive and makes you feel at home. Good Job. Well definitely recommend him ! Nitin Ravishankar

  • Hudson
    September 18, 2020

    I Still have not engaged with Jay much yet, but once I do plan to, I feel like he is a personable and knowledgeable individual to work with.

  • Gary K
    September 16, 2020

    He has been very easy to work with.

  • Aman Dhir
    September 14, 2020


  • Bill Basra
    August 30, 2020

    wanted a quote return call was prompt

  • Alice
    August 26, 2020

    not great customer service. seems shady

  • Shantol
    August 24, 2020


  • Doran Avivi
    August 24, 2020

    I liked that he was very responsive.

  • Vanika Gandhi
    August 21, 2020


  • Sudhir Bindal
    August 18, 2020


  • Suvansh Mehta
    August 16, 2020

    Helpful and informative

  • Carley Wasechek
    August 14, 2020

    Jay was helpful and gave a really good option for mortgages

  • Emily Stabile
    August 8, 2020

    In the process of speaking with him. Kind and polite but didn’t mention what hours he was available after I asked if he was available after 5 pm. Instead insisted that I phone in at a lunch time. I had to ask twice for what documents I needed handy to ensure I had the correct information for a smooth and efficient phone call. But seems friendly and polite.

  • Vasyl
    August 7, 2020

    Quick and great customer service.

  • Muhammad Ahmad
    August 6, 2020

    Excellent and relevant advice.

  • Mohammed Hussain
    August 4, 2020

    Good note, the employee is very good, has convincing answers, and I wish success to the company But I can't remember the name But I think name is jay

  • Robert William Melanson
    July 28, 2020

    no connents

  • Google Review
    July 24, 2020

    Absolutely fantastic place for your mortgage needs. I always shop around but still found their rates the best and on top the quality of service is exceptional. Jay Goyal is a delight to work with. Devin Chaudhary

  • Salim Khandaker
    July 20, 2020

    He was excellent.

  • Frank Capicotto
    July 19, 2020

    Very responsive and respectful

  • Connor Kingston
    July 18, 2020

    Fantastic service

  • Kyle Galloway
    July 15, 2020

    Quick to respond, understood what I was looking for.

  • Azmina Navodia
    July 6, 2020

    Good experience thus far with Jay, responsive to emails and we had a good interaction with him on the phone, he was helpful in answering our questions.

  • Xiang He
    July 2, 2020


  • Nyima Tserng
    July 1, 2020

    excellent job

  • Alison Mcaulay
    July 1, 2020

    Good customer service and very knowledgeable

  • Ashley Gibson
    June 29, 2020

    Fast to check in on ant inquiries i have

  • Manuel Cordeiro
    June 27, 2020

    Agent got back to me next day and was very friendly and helpful.

  • Yunus
    June 20, 2020

    He explained me in my back home language too.

  • Kanae Doi
    June 18, 2020

    Very helpful! Excited for a meeting on monday

  • Google Review
    June 1, 2020

    I am very glad to find CanWise Financial and fully recommend them to anyone seeking a new mortgage or mortgage transfer. Jay Goyal was very helpful, responsive and dedicated during the entire process. He found one of the lowest rates in the market (much lower than my previous bank was offering as a "loyal customer") and stayed on top of the process until it is fully finalized. Alisher Sattarhanov

  • Google Review
    June 1, 2020

    Jay was great. Always returned my messages promptly and explained any questions I had. He got me a good rate and it was all done through email and fax. Highly recommend. Carol.Jay was great. Always returned my messages promptly and explained any questions I had. He got me a good rate and it was all done through email and fax. Highly recommend. Carol. Carol Martin

  • Khalid Husain
    May 28, 2020

    Hi communication is excellent & knowlegable.

  • Dinesh Tahiliani
    May 25, 2020

    Great working with Jay and Canwise. They got me the best rate and I am very happy with their professionalism and sincerity.

  • Anson Camick
    May 25, 2020

    I recall who the agent was but he was very polite and had information quickly at his fingertips.

  • Rachel
    May 25, 2020

    Responsive. Timely.

  • Google Review
    May 20, 2020

    CanWise Financial is trust worthy financial institution that provides the best rate for the mortgage and has a great customer services. I had a great experience with them, and I will recommend them to friends and family. Specially, Jay Goyal is the best member with great attitude that assisted me with my mortgage process. It was an amazing experience. Omer Sydequi

  • Google Review
    May 20, 2020

    CanWise Financial is trust worthy financial institution that provides the best rate for the mortgage and has a great customer services. I had a great experience with them, and I will recommend them to friends and family. Specially, Jay Goyal is the best member with great attitude that assisted me with my mortgage process. It was an amazing experience. Omer Sydeqi

  • Google Review
    May 20, 2020

    Excellent service from Jay Goyal. He gave me the best rate I can find. There wasn't much going back and forth with the rate as it was amazing to start with. I had lots of questions and Jay took the time to get back to me very promptly, usually within 30 minutes. Again, highly recommend him. Time to ditch the big banks, they like to rip you off. Will reuse you again in 5 years when its time to renew. Henry Lam

  • Google Review
    May 14, 2020

    I had very good experience with CanWise Financial from the time I contacted them until the mortgage process was complete. Prior to connecting with them, I had contacted couple of major banks but after I spoke to Mr. Jay Goyal in CanWise, after first chat on phone, I realized that my search is over and now no need to shop around for better rate of interest outside. I got confidence that if I continue with CanWise and work with Jay, I will get best rate in the market. The process was long for me as I changed my buying decision twice and despite this, patience shown by Mr. Jay from CanWise team was beyond normal. I got advise beyond the mortgage and guidance at various steps, as a first time home buyer such tips and guidance has been greatly helpful and appreciated by me. I strongly recommend CanWise. My only suggestion will be that express your honest interest in working with them and trust your CanWise advisor. I worked with Mr. Jay and recommend him if anyone is looking for great customer service and best possible rate!!!!! Ratan Kumar Verma

  • Google Review
    May 14, 2020

    Helped guide me through the whole mortgage renewal process and was able to get 0.30% less than my bank! Dave Chamberlain

  • Google Review
    May 12, 2020

    Dave Chamberlain

  • Al
    May 12, 2020

    Very knowledgeable and informative agent. Took his time to walk me through the various scenarios and their implications on my borrowing capacity.

  • Dilbagh Deol
    May 10, 2020

    Friendly service with good expectations of different options so I could make better decision

  • Alison
    May 6, 2020

    Polite, efficient

  • Rohit Wakhale
    May 4, 2020

    Nice polite and helpful

  • Quais Mohammad Mujawar
    May 4, 2020

    They don’t advertise on website that they do not give mortgages below 100k. Waste of time and agents are rude

  • Fadi Abdulhamid
    May 1, 2020

    Thank you, Jay,

  • Google Review
    May 1, 2020

    Jay Goyal always get back to my email within a few hours, super easy mortgage process. ------- Edit: [2020 May] This is my 2nd time working with Jay, same experience as last one, super easy, straight forward process. Michael Xiao

  • Google Review
    April 14, 2020

    As a first-time home buyer, I really didn't know much about getting a mortgage. Getting connected with Jay at Canwise removed any nerves about what could have otherwise been a very stressful process. Jay was extremely knowledgeable, friendly, organized, dedicated, reliable and helpful in every step of the way which in turn made us feel secure and comfortable in the process . He was always available for the hundreds of questions I had being a first time buyer.He always kept us informed of what was required and what was expected to happen next. Jay kept us up-to-date of any change in the Mortgage rate and was quick in grasping any opportunity of lowering the rate. He was exceptionally fast and things were done before we asked for it. Our mortgage was approved and over to the lawyers much earlier to the closing date. We are in our new home now and its fair to say that Jay played a major part in getting us here. I would highly recommend CanWise Financial and Jay to anyone purchasing a home and I will be using them again for my mortgage renewal when the time comes! Thank you so much CanWise and Jay!!! Priyanka Mandal

  • Shannon
    April 11, 2020

    He was prompt in getting back to me.

  • Michael
    April 8, 2020

    Really helpful and nice guy. Was in no rush to answer my questions.

  • Shubham Gupta
    April 5, 2020


  • Namrata
    April 1, 2020

    Very good understand and response for the information asked.

  • Manik Batra
    March 30, 2020


  • Google Review
    March 25, 2020

    Jay was a delight to work with. Its great to be paperless and to be able to get all paperwork done without having to take time off from work. The rates were great as well...thank you!! Ion Ahmed

  • Andrew Tsioros
    March 14, 2020

    Great service Very knowledgeable Very helpful

  • Andrea Malo
    March 7, 2020

    I cannot give jay 5 stars as we have not connected on the phone yet. But he has been professional and attentive via email.

  • Joe Wyatt
    March 4, 2020

    Very knowledgeable

  • Kayla Mckay
    February 22, 2020

    Was a bit discouraging about our situation. And didnt really point me in any direction to improve my situation. Definitely will search for someone who's more open to helping us then just telling us it's not possible. Period.

  • Google Review
    February 21, 2020

    Jay G helped us with our mortgage when it came up for renewal. He was very knowledgeable and extremely prompt with a response anytime we had questions. The process was very smooth, Canwise’s documentation upload process is also an added bonus. We would definitely use Jay’s services again Emme Cee

  • Mayooran Velayuthampillai
    February 15, 2020

    He is very professional and informative.

  • Corey Lepine
    January 19, 2020

    She got back to me in a timely fashion and due to a change of plans I didn’t require the service any longer.IF in the future I require mortgage advice I will definitely use this avenue.

  • Henry Lam
    January 17, 2020

    Jag has been amazing and take the time to followup Best is he is honest and not all about forcing you i to things.

  • Yogesh
    January 8, 2020

    I am not sure how the dept ratio works but I got the Mortgage from the bank itself without any issue. which CanWise unable to do it. Communication from Jay was good, quick response

  • Amarvir Rekhi
    January 4, 2020

    To begin with he advised me to be with my current service provider as he could not give 2.49 or 2.59 rate as advertised

  • Jp Villanueva
    November 29, 2019


  • Douglas
    November 29, 2019

    Great service

  • Douglas
    November 29, 2019

    Great service

  • Gursharan Singh
    November 26, 2019

    Very professional and helpful

  • Ali
    November 10, 2019

    Prompt response

  • Nilay
    October 29, 2019

    courteous and informative

  • Nafis Khan
    October 17, 2019

    Very helpful and Kevin is now leading the sale

  • Vijay Arora
    September 29, 2019

    Nicely asked about my house mortgage

  • Dilprit Shergill
    August 21, 2019

    He provided great information and was timely, can't ask for more.

  • Navnit
    August 16, 2019


  • Nelson Chan
    August 14, 2019

    Jay was a straight and to the point. Knowledgeable and professional.

  • Mikhail Grigoryev
    August 4, 2019

    did not answered questions by email

  • Vijay Majagaonkar
    August 3, 2019

    Jay is very knowledgeable person and very helpful.

  • Miguel Calvin
    July 27, 2019

    Friendly, concise, professional.

  • Adam Dubeau
    July 13, 2019

    Thanks for your assistance

  • Bijay Son
    July 4, 2019

    He offered me different options for my renewal mortgage.

  • Kostyantyn Kulagin
    June 4, 2019

    Fast "no" answer. No options/advise provided.

  • Pritpal Lubana
    May 5, 2019


  • Sam
    April 28, 2019

    He is a professional and very helpful

  • Bharat Goyal
    April 20, 2019

    good agent.

  • Jitendrakumar Patel
    April 20, 2019

    no comments

  • Mareka Rooney
    April 9, 2019

    Jay has been a pleasure to work with and has made the whole experience smooth from the beginning. His customer service definitely wins my business.

  • Dave Hughes
    April 7, 2019

    Asked for the same info multiple times. Didn't acknowledges responses to his queries.

  • Raghu Raman
    April 6, 2019

    Jay provided various details and suggested best options.

  • Zubair Mohammed
    March 24, 2019

    Amazing service. Jay is awesome and very knowledgeable. I can say unbeatable customer service. I will recommend them to all my family and friends.

  • Sally Elsadek
    February 21, 2019

    Good info provided

  • Srikarthikeya Challa
    February 13, 2019

    He is good an knowledgeable

  • Ludwig Dobmeier
    February 11, 2019

    rate on line did not match rate quoted

  • Zohra Khan
    February 9, 2019

    Great service and followed up.

  • Sandy Wong
    January 24, 2019

    Respond in time but not very helpful in helping us with our quote and he did not ask much detail about situation. Got better service with another financial company

  • Brent
    January 20, 2019

    Honest feedback

  • Rainnia Iwaszkiw
    December 12, 2018

    Very thorough, clear, concise and provided me answers quickly

  • P Dhar
    December 10, 2018

    Quick response, very well informed

  • Les Salik
    December 1, 2018

    Knowledgeable and provided good advice.

  • James Grace
    October 6, 2018

    Jay was quick to follow up -- however I had already decided on an other provider.

  • Tony Ghoman
    August 8, 2018

    Great customer service. Honest and up front.

  • Tommy
    July 31, 2018

    Professional in nature in terms of business knowledge..thank you for your time..

  • Ronnie
    July 30, 2018


  • Michael
    July 26, 2018


  • Shirley L Clark
    June 23, 2018

    Still waiting to hear back, he said 3 business days and I should have heard from him today but nothing

  • Martin Malette
    June 13, 2018

    Good job. Very professional.

  • Mukesh Puwar
    June 8, 2018

    very good

  • Anees Khan
    June 7, 2018

    Jay is very knowledgeable agent

  • Ettienne Zeelie
    June 2, 2018

    Very responsive and well informed.

  • David White
    May 16, 2018

    Very helpful and thorough. Responded quickly to everything.

  • Timish Shah
    May 4, 2018

    prompt response

  • Shannie Alvarez
    April 20, 2018

    Good info

  • Deepika
    April 16, 2018

    Agent was quite knowledgeable and gave us a generic advice. I really liked him.

  • Barb Racey
    April 15, 2018

    Quick response

  • Darshan Patel
    April 15, 2018


  • Holli Burrows
    April 15, 2018

    Agent was responsive and approachable. Good experience, but opted to go with a local broker known to friends.

  • Joanne
    March 24, 2018

    Jay was responsive with a call back and when we spoke he was clear and to the point. I appreciated that. Although we cannot do business today, I will keep ratehub and Canwise on my list to contact for my next mortgage.

  • Marsha Burton-amernic
    March 24, 2018

    Jay is Very knowledgeable and his advice was helpful, and he was not pushy.

  • Jason goldstein
    March 17, 2018


  • Alexina Crothers
    March 16, 2018

    Wasn't super helpful

  • Devendra Saha
    March 12, 2018

    Very good

  • Gwyn
    March 9, 2018

    Got a quick response

  • D.
    March 8, 2018

    He got in touch with me right away, by email.

  • Mary Pareta
    March 7, 2018

    Was quick to respond and diligent in his follow up

  • Emily
    March 6, 2018

    Quick response

  • Ryan Lanyon
    March 4, 2018

    I was surprised how honest and helpful the service was through a website

  • Arden Guler
    February 24, 2018

    Quick response and call back

  • Erez Koelewyn
    February 13, 2018

    The Agent was courteous, knowledgeable, and to the point. Just what I would expect.

  • Jennifer
    February 6, 2018

    Was helpful

  • Kadie E Gorman
    February 1, 2018

    Took time to explain and was no pressure. Very knowledgeable. Appreciated his care

  • James Beland
    January 31, 2018

    Excellent service. Quick to respond. Friendly and professional. Was able to provide excellent rate but went with another broker as he was able to do just a bit better.

  • Rohit
    January 31, 2018

    He was very knowledgeable and polite. Great to deal with

  • Michelle
    January 25, 2018

    Jay was very informative and helpful.

  • Michael Mckay
    January 25, 2018

    Exceptionally helpful. Went through multiple scenarios even though I wasn't committing to any purchase/product. Willing to explain differences between options to help me form my own decision.

  • Catherine
    January 24, 2018

    Helpful and not pushy

  • Nawras
    January 24, 2018

    Very informative and knowledgeable, gave me advice on what to do when it's to renew my mortgage.

  • Alicia Macdonald
    January 22, 2018

    Jay was great to deal with.

  • Sonja Swanson
    January 21, 2018

    He was polite and helpful on the phone.

  • Alastair Scott Walker
    December 14, 2017

    He phoned and responded to emails.

  • Warren Pineau
    December 12, 2017


  • Nathan
    December 6, 2017

    Jay was very helpful in getting us the best rate available. Would absolutely recommend! He saved us half a percentage point or more on our rate compared to the bank we had our mortgage with.

  • Shamim
    December 6, 2017

    What a guy! He completely understood our circumstances and was exceedingly helpful

  • Anna
    December 6, 2017

    Informative and helpful answering my questions. Followed up with an email detailing our conversation and the "next steps" in the event our offer was accepted. Thanks!

  • Ron
    December 4, 2017

    Quick to reply

  • Nigel Pronger
    November 30, 2017

    Great service. I will recommend to others

  • Fahim Khalid
    November 24, 2017


  • Jerome Arthur
    November 22, 2017

    Jay was good. He was always willing to answer the phone when I called

  • Amir
    November 11, 2017

    I prefer a face to face conversation

  • Eric Renteria
    November 2, 2017

    Good service

  • Wendy Kimpfell
    November 1, 2017

    very helpful, answered all my questions

  • Hugh Zhao
    October 28, 2017

    answer quickly

  • Scott Watkins
    October 28, 2017

    Response within a day. No pressure, great rates!

  • Scott Watkins
    October 28, 2017

    Response within a day. No pressure, great rates!

  • Russell Ong
    October 21, 2017

    Just didn’t have enough time to get approved before mortgage term expired.

  • Gary Faykes
    October 21, 2017

    Very pleasant

  • Tommy Wong
    October 21, 2017

    Professional and response fast

  • Jatinder
    October 5, 2017

    Good service

  • Ameet Gulabivala
    September 20, 2017

    Good professional advise. Print response. Very quick with doing what he said he would do.

  • Evangeline Talos
    September 18, 2017

    Great service!

  • Mohamed Abed
    September 16, 2017


  • Brian Reiber
    September 15, 2017

    Thanks for reviewing our application. In the end we found a better rate elsewhere but we appreciate your efforts.

  • JHA
    September 14, 2017

    Agent seems not too keen on my account as I see no effort on his part to really help. I was looking for renewal of my $300k mortgage.

  • Roy Co
    September 14, 2017

    Quick follow up and gives you the straight goods. No deceitful upselling.

  • Martyna Kopplinger
    September 1, 2017

    I only initially asked for preliminary rates I could potentially qualify for and received a quick and professional response.

  • Jesse
    June 29, 2017

    Very informative and honest.

  • Sergey Popov
    April 16, 2017

    Jay is good at explaining things to a 1st time buyer.

  • Juan Damasco
    April 15, 2017

    Quick response and good info

  • Kiran Menon
    March 31, 2017

    Very helpful. I will do trades with him again.

  • Nicole
    March 31, 2017

    Got back to me quickly. My renewal is not due for more than the 4 month period so he said he'd get back me closer to the 4 month date so the mortgage rate can be guaranteed.

  • Catherine Cheung
    March 25, 2017

    Very helpful with providing me info up front (I provided him with very limited info).... Great follow-up phone calls to address my questions

  • Leslie Major
    March 11, 2017

    very helpful and responded immediately to my request for a rate quote

  • Mike Fung
    February 28, 2017

    professional, attentive, polite

  • Brenden Chiarello
    February 23, 2017

    Very professional and helpful.

  • Joanna perez
    February 16, 2017

    The service was really good thanks to Jay that assisted me very well.

  • Jen
    February 11, 2017

    Very helpful and knowledgable

  • Jaydeep Dave
    February 8, 2017

    Overall Good Details given

  • Amogh Agrawal
    February 3, 2017

    pretty clear knowledge.

  • Dustin S Wallace
    January 28, 2017

    Jay was very polite helpful and knowledgeable

  • Sondra
    January 28, 2017

    Was polite in listening and answering my concerns.

  • Lindsey Aull
    January 20, 2017

    Great customer service

  • Mark Baker
    January 15, 2017

    Quick response, seems willing to help.

  • Sheila Sundell
    January 13, 2017

    Not pushy, very friendly and helpful

  • Bryan Crosby
    January 7, 2017

    Jay was very quick and responsive in returning my inquiry. I had a pre-approval in 2 days.

  • Bobbie Kalsi
    December 5, 2016

    Easy to talk to. Courteous professional polite. Listened and advised.

  • Kurtis Kube
    November 29, 2016

    Jay has been good. Available and willing to answer questions. Only comment is that this is our first mortgage in canada and it would've been nice to be walked through things a little more thoroughly. It's always better to feel coached through the process.

  • Barry
    November 29, 2016


  • Nigel Martin
    November 25, 2016

    Jay got back to me about current rates and has been helpful in making an informed financial decision.

  • Norm Atha
    November 24, 2016

    He was honest.

  • Dan Zupancic
    November 20, 2016

    Good follow up.

  • David Graves
    November 16, 2016

    Fast and courteous

  • Raymond Tam
    November 16, 2016

    Very informative and reassuring. Quick responses and good service.....oh yeh, found us a great rate for what we needed.

  • Adile Chavush
    November 12, 2016

    He contacted me by phone and via e-mail promptly and with a very professional manner. I will contact him again in the future, I told him.

  • Masroor Khan
    October 18, 2016

    Great site for my common issues

  • Daniel
    September 8, 2016

    Jay is prompt to respond and pleasant to speak with.

  • Peter
    September 1, 2016

    Good service and great communication.

  • Ossama Abouassi
    August 27, 2016

    Jay was very helpful with all my questions

  • Lee Waddell
    August 5, 2016

    Jay was a great help! Unfortunately I got my maturity date wrong and didn't need the quote! I will definitely be back!

  • Leslie Scharf
    July 17, 2016

    Very knowlegable and friendly. Answered all my questions very professionally. Would not hesistate dealing with him in the future.

  • Max Kostromine
    June 24, 2016

    Very prompt communication and straightforward approach. Highly recommended.

  • Amrish
    June 19, 2016

    He was fairly talented and patient, answered all my questions.

Location Please ensure your location is correct in order to find the best rates available in your area.

Your privacy matters to us. We will not disclose your information to any unauthorized 3rd parties.

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