Portrait of Ronit Subbaiah

Ronit Subbaiah

Toronto Mortgage Broker

(50 reviews)
CanWise Financial A Ratehub Company Lic. 12530 Contact Now

Ronit has a very comprehensive understanding of the Canadian mortgage industry and its trends. Prior to CanWise he worked as a mortgage specialist for CIBC completing many purchases, pre-approvals, refinances, renewals and HELOCs for clients across Canada. Before that he worked as a mortgage servicing representative for President’s Choice Financial (now SIMPLII). In both roles Ronit was recognized for his commitment to meeting his clients’ mortgage related needs. His dedication to client experience, along with his passion, diverse knowledge base and skill sets allow him to consistently identify options that are in his clients’ best interests. It is through this thorough and holistic approach that Ronit can make the entire mortgage process as seamless and stress free as possible for you.

  • Sebin Sebastian
    July 16, 2020

    He was very helpful

  • Sebin Sebastian
    July 16, 2020

    He was very helpful

  • Tara Strickland
    June 26, 2020

    Ronit was most helpful and thoroughly explained all of the process and cost of our mortgage renewal. He was quick to respond and would highly recommend him.

  • William Bossence
    May 25, 2020

    Very knowledgable about his job. He was quick to answer questions and very prompt in getting back to me. I would surely recommed this to my friends.

  • Kurt
    May 11, 2020

    Informative and punctual

  • Jennifer
    May 7, 2020


  • Natasha Mohammed
    April 25, 2020


  • John Hately
    March 31, 2020

    Never returned my call

  • Matthew Murphy
    March 30, 2020

    I completed an application for pre-approval on Sunday. Monday, no one contacted me, Tuesday late afternoon, still no one contacted me so I called Canwise and the receptionist sounded surprised that no one had called me yet and that she would have an agent call me. Wednesday rolls around and I still have not been contacted so I call again at 10:45. The receptionist again sounds alarmed that no one has contacted me so she puts me through to an agent who tells me that I was assigned to someone else (Ronit) and that he would get back to me. By 1:30 in the afternoon I finally get a call from Ronit and we go over the details. So essentially almost 3 full business days before someone from Canwise decides to pick up a phone and call me. I've read the reviews on ratehub and because of the overwhelming positive ones with some negative ones sprinkled in I though I would give these guys a shot (obviously their posted mortgage rate was the main factor). Ronit told me even though I would likely not get approved the mortgage dollar figure we were looking for he would still look for a pre-approval. Thursday, crickets...Friday at 1:17 in the afternoon I decide to email Ronit directly in hopes he would respond quicker to email instead of picking up the phone. Sadly I was mistaken as I have heard nothing from him (yes, I realize it is the weekend and late Sunday night as I am writing this review). There is a house on the market that we really want to make an offer on but we are afraid we are getting passed by with Canwise and may have to look at alternative mortgage companies.

  • Vishav
    March 15, 2020

    Ronit was really helpful in helping me with my mortgage and was thorough in his calculations. Great support!

  • Tim
    March 15, 2020

    knowledgeable fellow and he was courteous and called me back

  • Carl
    March 7, 2020

    Honest straight forward advice

  • Seddikbenyoucef
    March 6, 2020

    Appreciated Ronit’s honesty and the time he took to inform me on the pros and cons of the different product offerings. He convinced me to stop looking at rates directly with other banks. I will be dealing strictly with him moving forward.

  • Cindy Halifax
    February 12, 2020

    Agent was very helpful

  • Shashank Shekhar
    February 4, 2020

    Satisfied with the knowledge and response that I saw from the agent. I wouldn’t mind doing business with them again.

  • Kal
    January 25, 2020


  • William Churchill
    December 12, 2019

    Got back to me quickly

  • Shiping Guo
    December 8, 2019

    Great job!

  • John Stringham
    December 3, 2019

    Very helpful and willing to explain details

  • Frances Ho
    November 28, 2019

    Ronit seemed very knowledgeable and answered all of my questions on the phone. I'm working with him currently in hopes of getting an excellent rate.

  • Nav Sangha
    November 14, 2019

    Filled out online form and received two autoresponse Salesforce templated emails at the same time. Responded to these emails twice requesting follow up. No response.

  • Gabriel Johnson
    November 6, 2019

    fast response to my email. great service and i was to get much better rate than any bank. Now i got my brand new house. Thank you so much Gabriel

  • Paramjit Singh Grewal
    October 13, 2019


  • Ravjot Singh
    October 8, 2019

    I liked the way Ronit explained different steps involved in the renewal process. The conversation was detailed and very helpful

  • Dana Harrington
    September 7, 2019

    I’ve only received an initial email in response to my application so there’s not much to base a review on at this point.

  • Nikhil Kumar
    September 3, 2019


  • Colin Iuliano
    August 28, 2019

    Great discussion, walked me through the process and rates, spent over 20 minutes on the phone with me. Haven't heard back in a couple days though.

  • Leora Kornfeld
    August 21, 2019

    Very competent and comprehensive and honest agent. Thorough and extremely knowledgeable about the industry.

  • Sally Currie
    August 13, 2019

    Was very polite and courteous. Was not interested in our loan as it was too small, despite requiring a large renovation budget. This was the only discussion, no further questions on debt or assets

  • Abbas Khwaja
    July 28, 2019

    Immediate follow up. Very helpful suggestions provided by Ronit.

  • APayal Shah
    July 19, 2019

    I had a good experience. The agent was very honest and helpful.

  • Math
    July 19, 2019

    She promised to call but never deed & i have not heard from her till date.

  • Rishi
    July 18, 2019

    Good informative person.

  • Angela
    July 10, 2019

    Great help

  • Connie Mantyka
    July 7, 2019

    Very professional and polite

  • Subash
    June 20, 2019

    Good morning quick service love this site regards

  • Joanna Mestre
    June 12, 2019

    Very courteous and gave suggestions for my consideration. I do like to crunch numbers and review these numbers prior to finalizing any decisions. It would be helpful to see the various scenarios discussed in an Excel spreadsheet or something showing the final numbers so that a final decision can be reached sooner.

  • Dennis He
    June 11, 2019

    Friendly and helpful

  • Erik Dorff
    June 6, 2019

    Prompt clear service.

  • Erik Dorff
    June 6, 2019

    Prompt clear service.

  • Vibhu Goel
    June 4, 2019

    i was impressed with their knowledge and customer service - they called back on time

  • Victoria Fellows
    May 26, 2019

    good emails

  • Melissa Garrett
    May 17, 2019

    Agent emailed several times but was unable to provide any useful information. I prefer to communicate over email but he just insisted company policy is to provide rates over the phone

  • Ruth Kehoe
    May 7, 2019

    Although he was not available at the moment, he did indicate he would call me back momentarily.

  • Ruth Kehoe
    May 7, 2019

    Although he was not available at the moment, he did indicate he would call me back momentarily.

  • Suresh Vishnu
    May 4, 2019

    Does not respond to queries. Ignores questions

  • Vince Bourque
    April 27, 2019

    Very knowledgeable and helpful

  • Bonnie Eby
    April 17, 2019

    Ronit quickly responded to my inquiry and advised me of my options.

  • Jackie Braunisch
    April 14, 2019

    Very professional and helpful .

  • Nancy Merchant
    April 12, 2019

    He was very knowledgeable and gave me proper in depth information and options about refinancing the mortgage

  • Graeme
    April 3, 2019

    No one called us

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