Portrait of Jay Goyal

Jay Goyal

Toronto Mortgage Agent

(207 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.

  • Harjit
    December 16, 2020


  • Harjit
    December 16, 2020


  • Duncan Stanage
    December 13, 2020


  • Hyun Choi
    December 12, 2020

    Knowledgeable and straightforward answers

  • 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.

  • 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.

  • 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

  • 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.

  • 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.

  • Steven Jamieson
    October 16, 2020

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

  • Hany Soliman
    October 6, 2020

    Very responsive and accommodating

  • Mike M
    September 22, 2020

    Knowledgeable and pleasant. Very easy to deal with.

  • 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

  • Doran Avivi
    August 24, 2020

    I liked that he was very responsive.

  • Shantol
    August 24, 2020


  • 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

  • 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

  • Khalid Husain
    May 28, 2020

    Hi communication is excellent & knowlegable.

  • 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.

  • 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.

  • 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,

  • 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


  • 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.

  • 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

  • Douglas
    November 29, 2019

    Great service

  • Jp Villanueva
    November 29, 2019


  • 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

  • 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.

  • Michelle
    January 25, 2018

    Jay was very informative and helpful.

  • Nawras
    January 24, 2018

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

  • Catherine
    January 24, 2018

    Helpful and not pushy

  • 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


  • 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!

  • 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

  • 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

  • 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!

  • Hugh Zhao
    October 28, 2017

    answer quickly

  • Gary Faykes
    October 21, 2017

    Very pleasant

  • Tommy Wong
    October 21, 2017

    Professional and response fast

  • Russell Ong
    October 21, 2017

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

  • 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.

  • Roy Co
    September 14, 2017

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

  • 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.

  • 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.

  • Sondra
    January 28, 2017

    Was polite in listening and answering my concerns.

  • Dustin S Wallace
    January 28, 2017

    Jay was very polite helpful and knowledgeable

  • 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.

  • Barry
    November 29, 2016


  • 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.

  • 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.

  • 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.

  • David Graves
    November 16, 2016

    Fast and courteous

  • 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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