I’m Rajiv Verma — a licensed mortgage broker working with Ontario homeowners on second mortgages, private financing, refinancing and debt consolidation — with particular focus on self-employed clients, homeowners rebuilding credit, and people navigating a mortgage renewal that isn’t going the way they expected.
My approach is comparison-first. Before recommending anything, I look at your objective, your equity, your existing mortgage and any penalty, your income, your credit, your monthly cash flow and — critically — your exit plan. Sometimes the answer is a second mortgage. Sometimes it’s a refinance, a B-lender solution, or simply waiting until renewal. You should hear the full picture before you decide.
A quick introduction
Thirty seconds — who I help, and how I work.
Consistently ranked among Brampton’s Top 3 Mortgage Brokers
Rajiv Verma has been featured among the Top 3 Mortgage Brokers in Brampton by ThreeBestRated for 5+ years running — selected through an independent 50-point inspection of reviews, reputation, trust and service, with a score of 4.6/5.0 (110/120 inspection points).
Verify the ranking on ThreeBestRated →Why the exit plan comes first
Short-term mortgage solutions are only as good as the plan that ends them. Before any private or second mortgage is arranged, I want to know what repays or replaces it, and roughly when. If we can’t answer that, the arrangement probably isn’t the right one — and I’d rather say so at the start than let a homeowner drift into a cycle of renewals and renewal fees.
Who I work with
- Self-employed homeowners whose income is real but hard to document conventionally
- Homeowners consolidating high-payment unsecured debt
- Homeowners with CRA arrears, property tax arrears or mortgage arrears
- Homeowners rebuilding after a consumer proposal
- Homeowners protecting a favourable first mortgage rate
- Homeowners coming to the end of a private mortgage term who need a route back to mainstream lending
Licensing
Rajiv Verma, Mortgage Broker
Licence #M13000402
Mortgage Architects — FSRA Brokerage Licence #12728
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Contact
15 Gateway Blvd, Unit 201-4
Brampton, Ontario L6T 0G3
Direct: 647-291-7116
Office: 289-505-0631
Email: rajiv@simplifymortgage.ca
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This website provides general education about mortgage options in Ontario. It is not legal, accounting, tax or insolvency advice, and it is not an offer of credit. A second mortgage is secured against your home and missed payments can have serious consequences. Renewal is not guaranteed. Final approval depends on the complete application and lender review.