Prit Chikawala - Kenlock Mortgage Group

Prit Chikawala - Kenlock Mortgage Group đź’Ľ Helping homeowners, self-employed clients, and families across Ontario with tailored mortgage solutions.

💡🏡 Building wealth doesn’t stop at owning a home - it’s how you use it over time that matters.I work with many clients w...
04/11/2026

💡🏡 Building wealth doesn’t stop at owning a home - it’s how you use it over time that matters.

I work with many clients who look at their home equity as part of their long-term financial plan, especially when it comes to retirement. But using that equity effectively isn’t just about access - it’s about having the right strategy in place.

My role is to structure your mortgage in a way that supports your future goals; whether that means preserving equity, improving cash flow, or planning how and when to use it down the line.

If you’re thinking beyond today and want to understand how your home can support your future, connect with me and let’s explore your options.

What makes up your monthly mortgage payment?📊🏡 Here’s what goes into it:• Principal & Interest:The portion that pays dow...
04/08/2026

What makes up your monthly mortgage payment?

📊🏡 Here’s what goes into it:

• Principal & Interest:
The portion that pays down your loan balance (principal) and the cost of borrowing (interest), spread over your amortization.

• Property Tax Account:
Some lenders collect property taxes as part of your payment and remit them on your behalf.

• Mortgage Insurance:
Required for insured mortgages (typically when less than 20% down), protecting the lender in case of default.

• Additional Fees & Charges:
Additional fees may apply depending on your mortgage, such as penalties or administrative charges.

I make sure you understand exactly how your payment is structured - so you can plan with confidence. If you have any questions, DM me - I’m here to help.

🏡📊 Credit Myth vs FactWhen I review credit with clients, one of the biggest misconceptions I see is that it’s only about...
04/06/2026

🏡📊 Credit Myth vs Fact

When I review credit with clients, one of the biggest misconceptions I see is that it’s only about payment history. While that’s important, lenders also look at how much credit you’re using, how long your accounts have been open, and the mix of credit you have.

Understanding how these factors work together can make a real difference when preparing for a mortgage.

If you want to strengthen your credit and improve your mortgage options, connect with me today and let’s make sure your profile is positioned the right way.

🏡🧠 Mortgage QuizAnswer: Transfer your mortgage to a new home.When I review mortgages with clients, one feature that ofte...
04/03/2026

🏡🧠 Mortgage Quiz

Answer: Transfer your mortgage to a new home.

When I review mortgages with clients, one feature that often gets overlooked is portability. It allows you to move your existing mortgage - including the rate and remaining term - to a new property, depending on your lender and mortgage terms.

This can help you avoid breaking your mortgage early and potentially save on penalties when you move.

It’s something many homeowners don’t realize they have, but it can make a big difference when planning your next step.

If you’re interested in knowing whether your mortgage is portable, connect with me today.

🏡📊 Interest rates are only one piece of the puzzle.When I review a mortgage with clients, the rate is just one part of t...
04/01/2026

🏡📊 Interest rates are only one piece of the puzzle.

When I review a mortgage with clients, the rate is just one part of the conversation. Term length, amortization, prepayment options, and penalty structure all play a role in how the mortgage actually performs over time.

I’ve seen two mortgages with similar rates lead to very different outcomes - all because of how they were structured.

That’s why I focus on the full picture, making sure the mortgage supports both your current needs and your future plans.

If you want a clear understanding of your options beyond just the rate, connect with me today!

💡🏡 Refinancing isn’t just about changing your mortgage - it’s about improving how it works for you.With the right strate...
03/30/2026

💡🏡 Refinancing isn’t just about changing your mortgage - it’s about improving how it works for you.

With the right strategy, I can help create more flexibility, improve your cash flow, and align your mortgage with your bigger financial goals.

Connect with me today and let’s explore what’s possible.

🏡📊 Your life has changed. Has your mortgage?When I speak with homeowners, I often see how much can change over time - in...
03/27/2026

🏡📊 Your life has changed. Has your mortgage?

When I speak with homeowners, I often see how much can change over time - income, expenses, and financial goals - while the mortgage stays exactly the same. What made sense at the start may not reflect where you are today.

That’s where refinancing comes in. It can be an opportunity to realign your mortgage with your current situation - whether that means adjusting the structure, accessing equity, or improving flexibility.

The goal isn’t just to change your mortgage, it’s to make sure it still works for your life now.

If you’re wondering whether refinancing makes sense for you, connect with me today and let’s explore your options together.

🏡📑 Renewing this year?When I talk to homeowners approaching renewal, the biggest challenge I see is timing. Renewal offe...
03/25/2026

🏡📑 Renewing this year?

When I talk to homeowners approaching renewal, the biggest challenge I see is timing. Renewal offers often come with tight deadlines, and it’s easy to feel pressured to accept what’s presented - even if it doesn’t reflect your current goals.

That’s why I always encourage starting the conversation early. It gives you time to review your mortgage, compare options, and actually understand what you’re agreeing to before any decisions need to be made.

The earlier we look at it, the more control you have.

If your renewal is coming up, message me today and let’s review your options before the deadlines take over.

🏡📊 Not every mortgage fits every situation.When I work with clients, I often see situations that don’t fit the tradition...
03/23/2026

🏡📊 Not every mortgage fits every situation.

When I work with clients, I often see situations that don’t fit the traditional box: self-employed income, new-to-Canada status, or non-traditional earnings. These types of applications are assessed differently by lenders, and the details matter.

Income verification, documentation, and qualifying guidelines can vary widely, which means a standard approach doesn’t always work.

That’s why I focus on building tailored solutions. I look at how your income is earned, how it’s reported, and which lenders are best suited for your profile so the mortgage actually fits your situation.

One-size-fits-all doesn’t work in mortgages - especially when your finances are unique.

If your situation doesn’t fit the typical mold, connect with me today and let’s explore solutions designed uniquely for you.

🌸🏡 Planning on buying your first home this spring? Start with your budget.When I work with first-time buyers, the first ...
03/20/2026

🌸🏡 Planning on buying your first home this spring? Start with your budget.

When I work with first-time buyers, the first step is understanding what they can actually afford. Lenders look at income, debt ratios, credit, and down payment - not just what feels comfortable.

Knowing your true borrowing power upfront helps you shop with confidence, make stronger offers, and avoid surprises.

If you’re thinking about buying this spring, message me and let’s review your numbers before you start house hunting.

🏦📊 The Bank of Canada has held its policy rate at 2.25%.For homeowners and buyers, a hold brings a level of stability to...
03/18/2026

🏦📊 The Bank of Canada has held its policy rate at 2.25%.

For homeowners and buyers, a hold brings a level of stability to mortgage planning. Whether you’re renewing, refinancing, or entering the market, there are always strategic options available when the right guidance is in place.

You don’t have to figure it out alone - message me today and let’s explore your options with confidence.

Address

#1410-5140 Yonge Street
North York, ON
M2N6L7

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9pm
Saturday 7am - 9pm
Sunday 8am - 5pm

Telephone

+17059857748

Website

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