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Viraj Bhatt - Mortgage Agent

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Brampton, ON
Viraj Bhatt - Mortgage Agent

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Mortgage Agent Level-2

11/02/2026

Renewal coming up? Don't just sign the letter. ✍️
Before you renew, ask these 5 questions — the answers can save you real money over your next term. As a mortgage agent in Brampton, I'll review your renewal with 50+ lenders before you sign anything.
📍 Brampton • GTA • Ontario
Is your renewal due in the next 6 months? Comment RENEWAL or DM me and let's review it together.
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
647-323-0512 | [email protected]
On approved credit. Terms & conditions apply.

10/31/2026

New to Canada? Your first home may be closer than you think. 🇨🇦
As a mortgage agent in Ontario, I help newcomer families take this step — new permanent residents can qualify with as little as 5% down, and lenders can work with alternative credit proof like on-time rent and utility payments.
📍 Serving all of Ontario — Brampton • Mississauga • Toronto • Etobicoke • Vaughan • Kitchener-Waterloo-Cambridge • London • Windsor • GTA
Save this for later, and tag someone new to Ontario who's dreaming of their first home.
Call me: 647-323-0512 | [email protected]
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
On approved credit. Terms & conditions apply.

10/30/2026

Two deals closed this week! 🏠

A refinance in Scarborough and a first-time home buyer in Little Current — two families, two very different files, both funded.

As a mortgage agent in Ontario, I help with purchases, refinances and first-time buyers across the province. Thinking about refinancing, or buying your first home? DM 'FUNDED' and let's talk through your options before you decide.

Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
647-323-0512 | [email protected]
On approved credit. Terms & conditions apply.
📍 Serving all of Ontario — Brampton • Mississauga • Toronto • Etobicoke • Vaughan • Kitchener-Waterloo-Cambridge • London • Windsor • GTA

10/28/2026

📈 Bank of Canada raises its policy rate to 2.50%

On October 28, 2026, the Bank raised its policy rate 0.25%, from 2.25% to 2.50%.

What it means:
• Variable mortgages and HELOCs linked to prime could cost more as lenders adjust prime
• Fixed-payment variable borrowers may pay more interest, less principal
• Renewing in 2026? Review your options before your payment rises

Your mortgage agent in Ontario — let's review your renewal.

647-323-0512 | [email protected]
Viraj Bhatt, Mortgage Agent | Level 2 | FSRA # 13568
Serving all of Ontario — Brampton • Mississauga • Toronto • Etobicoke • Vaughan • Kitchener-Waterloo-Cambridge • London • Windsor • GTA

On a variable rate or renewing soon? Save & share this with someone who needs it. 👇

10/28/2026

Thinking about renovating before winter? 🏡
Your home equity could help fund it — without piling on high-interest debt.
📍 Serving all of Ontario — Brampton • Mississauga • Toronto • Etobicoke • Vaughan • Kitchener-Waterloo-Cambridge • London • Windsor • GTA
DM me 'EQUITY' and I'll walk you through your options. Save this if a renovation is on your 2026 list — what would you renovate first?
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
647-323-0512 | [email protected]
On approved credit. Terms & conditions apply.

10/26/2026

2 deals closed today! 🎉
🏠 Purchase of an investment property in Oshawa
🔁 Refinance in Hamilton
Every file is different, and that's the point: as a mortgage agent in Brampton, I shop 50+ lenders — A, B and private — to find the right fit.
📍 Brampton • GTA • Ontario
Buying, investing or refinancing? Your deal could be next — DM me or call 647-323-0512.
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
647-323-0512 | [email protected]
On approved credit. Terms & conditions apply.

10/25/2026

Your bank's renewal letter is an offer — not your only option. 🏠
As a mortgage agent in Brampton, I shop 50+ lenders for your best renewal deal — including 3.45% variable on insured mortgages.*
📍 Brampton • GTA • Ontario
Renewing in the next 6 months? Comment RENEWAL and I'll reach out — or call me: 647-323-0512 | [email protected]
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568
*Rate subject to change without notice. On approved credit. Terms & conditions apply.

10/24/2026

📉 Bank of Canada decides Wednesday, Oct 28. The policy rate is 2.25% today — a cut could ease variable payments, a hold keeps things steady. If you're renewing in 2026, your timing matters. Let's review your options before the decision.
Call me: 647-323-0512 | [email protected]
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568

10/23/2026

🏠 WE'RE HIRING — Mortgage Agents! 🏠
New & experienced agents welcome. Join my team at Shelto: 1-on-1 mentorship, access to 50+ lenders (A, B & private), and marketing support with your flyers and social posts done for you.
Interested? Call me: 647-323-0512 | [email protected]
Viraj Bhatt | Team Lead | Mortgage Agent Level 2 | FSRA # 13568

10/21/2026

Self-employed? If the bank said no, don't give up. Banks judge you by your tax return — but alternative lenders look at the full picture: bank statements, contracts and real cash flow. With access to 50+ lenders (A, B and private), there's often a path your bank couldn't offer.
Call me: 647-323-0512 | [email protected]
Viraj Bhatt | Mortgage Agent, Level 2 | FSRA # 13568

Address

Brampton, ON

Opening Hours

Monday	10am - 6pm
Tuesday	10am - 6pm
Thursday	10am - 6pm
Friday	10am - 6pm

Telephone

+16473230512

Website

https://vbmortgages.com/

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