# Amit Khurana Mortgage Agent


## Posts

- [How Much Mortgage Can You Afford in Ontario?](https://amitkhurana.ca/mortgage-can-you-afford-in-ontario/): One of the most common questions home buyers ask is “How much mortgage can I afford?” Understanding mortgage affordability is essential before starting your home search in Ontario. Mortgage lenders evaluate several financial factors before approving a home loan. By understanding these factors, you can estimate how much you may qualify to borrow. Key Factors That Affect Mortgage Affordability Income Your income plays a major role in determining mortgage eligibility. Lenders review your total household income to calculate how much you can afford to borrow. Stable employment and consistent income increase your chances of approval. Debt-to-Income Ratio Mortgage lenders look […]
- [Fixed vs Variable Mortgage Rates in Canada: Which Is Better?](https://amitkhurana.ca/fixed-vs-variable-mortgage-rates-in-canada/): When choosing a mortgage in Canada, one of the most important decisions you will make is selecting between a fixed-rate mortgage and a variable-rate mortgage. Each option has advantages and risks depending on market conditions and your financial goals. Understanding how these mortgage types work can help you make a more informed decision when buying a home or refinancing your mortgage in Ontario. What Is a Fixed-Rate Mortgage? A fixed-rate mortgage means your interest rate stays the same for the entire mortgage term. Most Canadian mortgage terms range from 1 to 5 years, with the 5-year fixed mortgage being the […]
- [Mortgage Refinancing in Ontario: When Is the Right Time?](https://amitkhurana.ca/mortgage-refinancing-in-ontario/): Mortgage refinancing is a powerful financial strategy that allows homeowners to replace their existing mortgage with a new one that offers better terms. Many homeowners in Mississauga and across Ontario refinance their mortgage to reduce interest costs, access home equity, or improve their financial situation. Understanding when refinancing makes sense can help you save thousands of dollars over the life of your mortgage. What Is Mortgage Refinancing? Mortgage refinancing involves paying off your current mortgage and replacing it with a new mortgage agreement. The new mortgage may offer: Lower interest rates Different loan terms Access to home equity Debt consolidation […]
- [First Time Home Buyer Guide in Mississauga](https://amitkhurana.ca/first-time-home-buyer-guide-in-mississauga/): Buying your first home is one of the most exciting milestones in life. However, for many people in Mississauga and across Ontario, the mortgage process can seem complicated and overwhelming. Understanding how the home buying process works can help you make smarter financial decisions and secure the best mortgage for your needs. If you are planning to buy your first home in Mississauga or the Greater Toronto Area, this guide will walk you through the essential steps and mortgage options available to first-time buyers in Canada. Step 1: Understand Your Budget Before starting your home search, it is important to […]
- [Stress Testing Calculator: Stress Testing Made Simple](https://amitkhurana.ca/stress-testing-calculator-stress-testing-made-simple/): Thinking about buying a home in Canada? A Mortgage Stress Testing Calculator can be your planning partner before choosing a mortgage. It’s prudent to ensure that you can manage the mortgage payments not just today, but also if interest rates rise in the future. This is where a Mortgage Stress Testing Calculator comes into play. It’s a tool that helps you estimate your monthly payments based on higher interest rates, simulating a scenario where rates go up.  By understanding your affordability under some stress, you can make a more informed decision about your home purchase. This safeguard, implemented in 2018, […]
- [Mastering Project Finances With Construction Loan Calculators in 2024](https://amitkhurana.ca/mastering-project-finances-with-construction-loan-calculators-in-2024/): In the dynamic world of real estate development, navigating the complexities of financing a construction project is a crucial aspect of success. Whether you’re an expert developer or stepping aboard on your first construction venture, understanding the financial implications of your project is paramount. One can bring in the use of construction loan calculator– which is a powerful tool designed to help  the user in the process of estimating costs, planning budgets, and enhancing financing strategies. Construction Loan Calculator A construction loan (also acknowledged as a self-build loan) which is designed to finance the construction of a new building or the […]

## Pages

- [Mortgage Comparison Calculator](https://amitkhurana.ca/mortgage-comparison-calculator/)
- [Terms & Condition](https://amitkhurana.ca/terms-condition/): 1. Introduction The Amit Khurana Mortgages service enables individuals to collaborate with our mortgage team in order to secure a mortgage through the website (referred to as the “Service”).Content on the website, which includes information, data, text, software, music, sound, photographs, graphics, video, messages, or any other materials, whether posted publicly or transmitted privately by viewers or users, whether in forums or other channels (referred to as “User Content”), is the sole responsibility of the individuals who post or transmit it. This means that the responsibility for all such materials uploaded, posted, emailed, transmitted, or made available through the Service […]
- [Awards](https://amitkhurana.ca/awards/): Awards & Accomplishments Here is what I have achieved so far while working in the mortgage industry. Award-Winning Mortgage Broker
- [Mortgage Rates](https://amitkhurana.ca/mortgage-rates/): Secure Your Mortgage with Our Competitive Rates! We are so proud of our team and love client feedback, but don’t take our word for it. Read the reviews or watch the video testimonials, to see what our clients have to say. Solutions Beyond Traditional Banks Secure Your Mortgage with Our Competitive Rates! At Amit khurana Mortgage & Team, we understand how important it is for you to save money on your mortgage, and that’s why we’re committed to offering you the very best rates available. We work with a variety of lenders to ensure that we can provide you with […]
- [Reviews](https://amitkhurana.ca/reviews/): add your review
- [Construction Financing](https://amitkhurana.ca/construction-financing/): Construction mortgages cater to individuals who wish to build a home from the ground up. Funds are released in phases according to construction milestones, unlike conventional mortgages. Solutions Beyond Traditional Banks Before You Start: Important Construction financing Considerations Land Purchase:The first step is securing the land where you plan to build. Lenders typically consider the value of the land as part of your mortgage application, so having the property in place is important. Build the Right Team:Working with licensed architects, engineers, and contractors ensures your project meets all local building codes and regulations. Many lenders require qualified professionals to be […]
- [Rent to Own](https://amitkhurana.ca/rent-to-own/): Rent-to-own programs allow you to rent a home with the option to buy it later. A portion of your monthly rent goes toward building a future down payment Solutions Beyond Traditional Banks How rent-to-own works: 1. Find and Secure a HomeYou choose a property you want to live in. A rent-to-own company or investor purchases the home on your behalf and sets a future purchase price with you. 2. Sign a Rent-to-Own AgreementYou sign an agreement that includes the rent amount, the future purchase price, and the length of the program (usually 2–5 years). This gives you the option to […]
- [Private Mortgage](https://amitkhurana.ca/private-mortgage/): It is usually used by borrowers who may not qualify for regular financing—such as self-employed individuals, those with lower credit, or people needing quick approval. Flexible Financing Solutions for Your Mortgage Needs Why Choose a Private or Alternative Lender? Traditional banks often decline mortgage applications from clients with less-than-perfect credit. But at CENTUM Indigo Mortgage Corp., we believe everyone deserves a fair chance at homeownership. Our network of alternative and private lenders allows us to create customized mortgage solutions designed specifically for clients with bruised or bad credit. Whether you’ve faced bankruptcy, consumer proposals, missed payments, or other financial hurdles—we’re […]
- [Reverse Mortgage](https://amitkhurana.ca/reverse-mortgage/): With a reverse mortgage (equity release), eligible homeowners can access part of their home’s equity without leaving their home. Solutions Beyond Traditional Banks How a Reverse Mortgage Works: A Guide for Homeowners For Canadians aged 55 and older, you can access the equity in your home without making any monthly mortgage payments. Repayment is only required when you sell your home, move out permanently, or when your estate is settled. You can receive the funds in flexible ways based on your financial needs: Lump Sum: Get a one-time advance for immediate expenses or large purchases.Regular Installments: Receive scheduled monthly or […]
- [Blog](https://amitkhurana.ca/blog/): Start your application in minutes and let our experts find the best financing options tailored to your needs. April 14, 2026 Fixed vs Variable Mortgage Rates in Canada: Which… Mortgage refinancing is a powerful financial strategy that allows homeowners to replace their existing mortgage with a new one that offers better terms. Many homeowners in Mississauga and across Ontario… Read More March 22, 2026 Mortgage Refinancing in Ontario: When Is the Right… Mortgage refinancing is a powerful financial strategy that allows homeowners to replace their existing mortgage with a new one that offers better terms. Many homeowners in Mississauga and […]
- [Apply Now](https://amitkhurana.ca/apply-now/): Start your application in minutes and let our experts find the best financing options tailored to your needs. Fill Your Mortgage and Personal Details
- [Meet Our Mortgage Experts](https://amitkhurana.ca/meet-our-mortgage-experts/): A dedicated team of licensed professionals committed to guiding you through every step of your home financing journey with clarity, care, and confidence. Jacob Laura Mortgage Broker Facebook-f Linkedin-in Olivia Ava Mortgage Associate Facebook-f Linkedin-in Jackson Leo Mortgage Specialist Facebook-f Linkedin-in Mariana Noah Mortgage Broker Facebook-f Linkedin-in Jacob Laura Mortgage Specialist Facebook-f Linkedin-in Jackson Leo Mortgage Specialist Facebook-f Linkedin-in Get in touch What can we help you with today? Head Office 2400 MEADOWPINE BLVD., UNIT 107, MISSISSAUGA, ON L5N 6S2 Customer Service Phone : (647) 341-2785 (PRIMARY) Alt : (905) 624-2002 Email us amit_khurana@centum.ca Talk with a Lending Specialist. Your […]
- [Mortgage News](https://amitkhurana.ca/mortgage-news/)
- [Mortgage Glossary](https://amitkhurana.ca/mortgage-glossary/)
- [Educational Videos](https://amitkhurana.ca/educational-videos/)
- [Research Articles](https://amitkhurana.ca/research-articles/)
- [Market Trend Videos](https://amitkhurana.ca/market-trend-videos/)
- [FAQ](https://amitkhurana.ca/faq/)
- [Maximum Mortgage Calculator](https://amitkhurana.ca/maximum-mortgage-calculator/)
- [Debt Service Calculator](https://amitkhurana.ca/debt-service-calculator/)
- [Mortgage Calculator](https://amitkhurana.ca/mortgage-calculator/)
- [Purchase Calculator](https://amitkhurana.ca/purchase-calculator/)
- [Bruised/Bad Credit Mortgage](https://amitkhurana.ca/bruised-bad-credit-mortgage/): Don’t let past credit challenges hold you back. We work with alternative and private lenders to help you secure a mortgage—even with bruised or bad credit. Solutions Beyond Traditional Banks Helping You Rebuild and Own a Home Traditional banks often decline mortgage applications from clients with less-than-perfect credit. But at CENTUM Indigo Mortgage Corp., we believe everyone deserves a fair chance at homeownership. Our network of alternative and private lenders allows us to create customized mortgage solutions designed specifically for clients with bruised or bad credit. Whether you’ve faced bankruptcy, consumer proposals, missed payments, or other financial hurdles—we’re here to […]
- [Rent/Lease to Own Program](https://amitkhurana.ca/rent-lease-to-own-program/): Struggling to qualify for a mortgage today? Our Rent-to-Own Program helps you move into your home now while preparing for future ownership. Turning Rent Payments Into a Future Mortgage A Pathway to Homeownership Buying a home can feel out of reach if you don’t yet qualify for a traditional mortgage. Credit issues, lack of down payment, or limited income documentation often stand in the way of approval. That’s where our Rent-to-Own Program comes in. It allows you to move into your dream home today, with a structured plan to purchase it in the future. Your monthly rent includes a portion […]
- [Self-Employed Mortgage](https://amitkhurana.ca/self-employed-mortgage/): Being your own boss shouldn’t make it harder to get a mortgage. At CENTUM Indigo Mortgage Corp., we specialize in helping entrepreneurs and self-employed individuals secure the financing they deserve. Mortgage Options Designed for Business Owners Turning Self-Employment Into Mortgage Approval Many self-employed Canadians face unique challenges when applying for mortgages. Traditional banks often require strict income verification that doesn’t always reflect the true financial health of business owners. At CENTUM Indigo Mortgage Corp., we look beyond the paperwork. With access to a wide network of lenders—including alternative and private financing—we can secure approvals even if your income is structured […]
- [Mortgage Refinance & Renewal](https://amitkhurana.ca/mortgage-refinance-renewal/): When it’s time to renew or refinance, don’t settle for your bank’s offer. We help you secure better rates and terms tailored to your needs. More Options. Better Savings. Making the Most of Your Mortgage Renewal or Refinance When your mortgage term is up for renewal, most banks expect you to sign their offer without question. But doing so could cost you thousands in higher interest rates and missed opportunities. At CENTUM Indigo Mortgage Corp., we review your situation and shop around with multiple lenders to ensure you get the best possible deal. Whether you want lower payments, shorter terms, […]
- [First-Time Home Buyer Mortgage](https://amitkhurana.ca/first-time-home-buyer-mortgage/): Buying your first home is exciting—but it can also feel overwhelming. We make the process simple, affordable, and stress-free. Guidance Every Step of the Way Helping First-Time Buyers Become Homeowners with Confidence Purchasing your first home is one of the biggest financial decisions you’ll ever make. With so many lenders, rates, and programs available, it’s easy to feel lost. At CENTUM Indigo Mortgage Corp., we specialize in guiding first-time buyers through the process. From mortgage pre-approval to closing day, we ensure you understand every step so you can make informed decisions. We also help you take advantage of first-time buyer […]
- [Land transfer tax calculator](https://amitkhurana.ca/land-transfer-tax-calculator/): Easily estimate your monthly mortgage payments, compare rates, and explore different scenarios with our simple-to-use mortgage calculator. Plan Smarter, Buy Smarter Calculate Your Mortgage with Ease Get in touch What can we help you with today? Whether you’re a first-time home buyer, looking to refinance or renew your mortgage, or exploring options with bruised or bad credit, we’re here to help. At CENTUM Indigo Mortgage Corp., we offer personalized mortgage solutions tailored to your needs. Head Office 2400 MEADOWPINE BLVD., UNIT 107, MISSISSAUGA, ON L5N 6S2 Customer Service Phone : (647) 341-2785 (PRIMARY) Alt : (905) 624-2002 Email us amit_khurana@centum.ca […]
- [Contact](https://amitkhurana.ca/contact/): Get in touch and let us know how we can help. Get in touch What can we help you with today? Whether you’re a first-time home buyer, looking to refinance or renew your mortgage, or exploring options with bruised or bad credit, we’re here to help. At CENTUM Indigo Mortgage Corp., we offer personalized mortgage solutions tailored to your needs. Head Office 2400 MEADOWPINE BLVD., UNIT 107, MISSISSAUGA, ON L5N 6S2 Customer Service Phone : (647) 341-2785 (PRIMARY) Alt : (905) 624-2002 Email us amit_khurana@centum.ca Send us a message Your trusted Mortgage Agent serving the Greater Toronto Area (GTA). Need […]
- [Services](https://amitkhurana.ca/services/): We’re the leaders in creating affordable mortgages that fit every budget. Tailored Mortgage Solutions Finding the Right Mortgage for Every Situation At CENTUM Indigo Mortgage Corp., we understand that no two clients are the same. That’s why we provide a wide range of mortgage services designed to meet your specific needs—whether you’re a first-time buyer, refinancing your home, self-employed, or facing credit challenges. Our goal is to simplify the process, secure the best possible rates, and help you achieve your homeownership dreams with confidence. Discover more What we offer Mortgages so simple, you see what you get. First-Time Home Buyer […]
- [About Us](https://amitkhurana.ca/about-us/): Led by award-winning Mortgage Agent Amit Khurana, CENTUM Indigo Mortgage Corp. has been helping clients across the GTA secure tailored mortgage solutions that save time and money. Dedicated. Experienced. Trusted. Building Better Mortgage Experiences Since Day One For over 13 years, CENTUM Indigo Mortgage Corp. has guided clients through the complexities of mortgages with professionalism, care, and expertise. Our team takes pride in making the process simple and transparent, ensuring you feel confident every step of the way. From first-time buyers and newcomers to Canada, to entrepreneurs and homeowners with unique credit challenges—we specialize in finding solutions for everyone. With […]
- [Home](https://amitkhurana.ca/): Find the Right Mortgage. Save Thousands. Whether you’re buying your first home, refinancing, or exploring private lending options, CENTUM Indigo Mortgage Corp. is your trusted partner for personalized mortgage solutions across the GTA. Know More Free Consultation Your Mortgage Partner in the GTA Helping Homeowners Secure the Best Mortgage Solutions For over 13 years, CENTUM Indigo Mortgage Corp., led by Mortgage Agent Amit Khurana, has been helping families and individuals across the GTA find the right mortgage solutions. We specialize in working with all kinds of clients—first-time buyers, self-employed individuals, newcomers to Canada, and homeowners with unique credit situations. Our […]
- [Privacy Policy](https://amitkhurana.ca/privacy-policy/): 1. Introduction 1.1 We are committed to safeguarding the privacy of our website visitors, service users, individual customers and customer personnel. 1.2 This policy applies where we are acting as a data controller with respect to the personal data of such persons; in other words, where we determine the purposes and means of the processing of that personal data. 1.3 Our website incorporates privacy controls which affect how we will process your personal data. By using the privacy controls, you can specify whether you would like to receive direct marketing communications and limit the collection, sharing and publication of your […]


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