Available

Jay Patel

Mortgage Agent, Level 1 · Mortgage Squad Advisors

Helping clients across the GTA win their best mortgage rate — backed by Mortgage Squad Advisors's 100+ lender network and Maya AI.

Pre-approval Purchase Refinance Renewal

Message Jay Request a call Pre-vet with Maya

Mississauga, ON| English · Hindi · Gujarati| FSRA M25002728

Years of experience

in Canadian mortgages

Languages

English · Hindi · Gujarati

100+

Lender partners

A · B · monoline · private

FSRA

Brokerage licence

#13737 · Ontario

Verifiable

Licensing & credentials

Mortgage Agent Level 1 licence #M25002728

Financial Services Regulatory Authority of Ontario

About Jay

Your mortgage, handled.

Mortgage Squad Advisors agents are FSRA-licensed mortgage professionals dedicated to finding their clients the best possible financing across Canada's 100+ lender network.

Whether you're a first-time buyer, renewing, refinancing, or building an investment portfolio, your advisor walks every step of the file with you — backed by Maya AI for after-hours questions and a senior underwriting team for complex deals.

Try the math · live

See your numbers, instantly.

Slide the inputs. Canadian semi-annual compounding. Real engine — same one Jay uses on your file.

Monthly payment

$3,218

Loan amount

$600,000

Lifetime interest

$365,467

Mortgage-free year

2051

Property value$750,000

Down payment$150,00020.0% down

Rate4.19%

Amortization25 years

Get pre-approved with Jay Full calculator Ask Maya about it

What’s your situation?

Find your starting point in 5 seconds.

Tap the tile that fits — Jay surfaces the right program and the next step.

Pick what describes you above — I’ll surface the right program and the next step.

Mortgage 101 · the bits that matter

Four things every Canadian should understand.

Tap a card to read more. Each links into the calculator or glossary that goes deeper.

Specialties

Jay works on files like yours.

Home purchase mortgages

Mortgage refinancing

Renewals

Investment properties

First-time buyers

Services I help with

Every mortgage product, one advisor.

Tap any tile to explore the product, or use the CTAs above to start an application routed to Jay.

First-time buyer

FHSA + RRSP HBP planning

Renewal

Beat your bank's offer

Refinance

Tap equity or lower your rate

HELOC

Up to 80% LTV combined

Self-employed

BFS + alt-A programs

New to Canada

5% down · no Cdn credit

B & private exit plans

Run the numbers

25+ Canadian-correct calculators.

Same math Jay runs on your file. No sign-up, no credit pull.

Payment Affordability Stress test CMHC insurance Land transfer tax Refinance HELOC Prepayment penalty Renewal comparison

See all 25+ calculators

Reach Jay

Every message and application from this page goes straight to Jay — no central queue, no “someone will call you back.”

Message Jay Start pre-approval with Jay

FSRA M25002728 · Privacy by design

Languages

English Hindi Gujarati

Don’t see your language? Maya, our AI assistant, can translate live, or we’ll pair you with another advisor on our team.

Maya · 24/7

Have a quick question?

Ask Maya in 50+ languages while you wait for Jay.

Ask Maya

Working with Jay

Three steps. No jargon. No pressure.

Quick intake

Pick a CTA above (pre-approval, purchase, refinance, renewal), or use the form below. Jay reaches out the same business day.

We shop your file

Across 100+ lenders — A, B, monoline, credit union, private. We bring you the 2-3 best options with side-by-side math.

Funding day

Sign at your lawyer's, get the keys, and start tracking your mortgage in our portal post-close. Renewal reminders 90+ days early.

Send a message

Work with Jay directly.

Drop your contact and a one-liner about your situation. Mortgage Squad Advisors routes the request straight to Jay — usually the same business day. No bureau pull, no obligation, ever.

Free consultation
Rate Beat: we try to beat an eligible Big-6 offer, or pay you $500 (yours, or to your favourite charity; conditions apply)
Available in English, Hindi, Gujarati
Maya on backup 24/7

Maya · 24/7 AI assistant

Have a question right now? Maya, our AI assistant, answers instantly in 50+ languages. Your licensed advisor is a call away.

Chat Call Maya (AI)

FAQ

Common questions about working with Jay.

Is Jay Patel licensed?

Yes — Jay Patel holds an FSRA Mortgage Agent Level 1 licence (#M25002728) in Ontario and works under Mortgage Squad Advisors, Brokerage License #13737. Every licence can be checked on the FSRA public register.

What does it cost to work with Jay?

Nothing on standard residential files. The lender pays Mortgage Squad Advisors on funding — there's no broker fee on your closing statement. Specialty files (private mortgages, commercial, distressed) may carry a disclosed broker fee that you'd see in writing before agreeing to anything.

What languages can we speak in?

Jay is fluent in English, Hindi, Gujarati. If you'd like to chat in another language, Maya, our AI assistant, translates live, and we can also connect you with another licensed advisor on our team who speaks your preferred language.

How quickly can I get pre-approved?

Ballpark numbers in 60 seconds via Maya, with no credit pull. Formal written pre-approval typically arrives within 24-72 hours of submitting documents.

Does Mortgage Squad Advisors work with my situation?

Almost certainly. Mortgage Squad Advisors's 100+ lender network covers first-time buyers, renewals, refinance, self-employed, newcomer to Canada, bad credit, alt-A, private, multi-unit residential, and commercial. Jay specializes in: Home purchase mortgages, Mortgage refinancing, Renewals, Investment properties, First-time buyers.