Your Mortgage Broker for Toronto, the GTA, KWC, Guelph & Hamilton
Helping buyers, homeowners and investors across Toronto, GTA, KWC, Guelph, Hamilton, with a local Mortgage Broker in Kitchener.
Jay Shah
Mortgage Broker · Lic. #M22002236
30-min Call
What I Do
Mortgage Solutions For Every Stage of Life
Whether you're buying your first home or your fifth investment property — I've got a lender for that.
First Home Purchase
Navigate the market with confidence. I'll find your best rate and walk you through every step.
Explore first home purchase mortgagesMortgage Renewal
Don't auto-renew with your bank. I'll compare lenders and review your renewal options.
Explore mortgage renewal optionsRefinancing
Unlock your home's equity. Consolidate debt, fund renovations, or invest.
Explore refinancing mortgagesInvestment Properties
Build your portfolio with the right financing strategy from day one.
Explore investment properties mortgagesSelf-Employed
Complex income? No problem. I know which lenders work best for entrepreneurs.
Explore self-employed mortgagesNew to Canada
Newcomer mortgages made simple. I'll find a path to homeownership for you.
Explore new to canada mortgagesMortgage Services
"I don't work for any bank. I work for you. My job is to shop every lender and find the mortgage that fits your life — not a spreadsheet."
The Personal Difference
Why Work With Jay?
Lender Options Compared For You
More options = better rates & terms
Zero Cost to You
Lenders pay me. You pay nothing.
I Pick Up The Phone
No queues, no call centres. Direct access to Jay.
GTA's Neighbourhood Expert
Toronto, GTA, KWC, Guelph, Hamilton
Lenders
100+
Funded Families
Platinum Award Winner 2025
Premiere Club Top 10% 2025
5-star reviewed
The Process
Getting Your Mortgage Is Easier Than You Think
Tell Me Your Goals
Quick 30-minute call. You tell me your situation, I listen.
I Compare Lenders
I compare rates, terms & penalties across lenders — at zero cost for most standard mortgages.
You Get Funded
I handle the paperwork, you get the keys. Simple.
Ontario Rate Watch
Today's Rate Benchmarks
Official Bank of Canada data, updated automatically. Your actual rate depends on your down payment, credit, property and term.
| Benchmark | Rate | Observation date |
|---|---|---|
| 3-year fixed · bank posted | 6.05% | Oct 21, 2026 |
| 5-year fixed · bank posted | 6.19% | Oct 21, 2026 |
| Variable · new uninsured mortgages | 3.86% | Jul 1, 2026 |
| Prime · chartered banks | 4.45% | Oct 21, 2026 |
Source: Bank of Canada. Fixed rates are posted benchmarks; the variable figure is a monthly average for newly advanced uninsured residential mortgages, not prime or a personal offer. Observation dates differ by series. Benchmarks only, on approved credit (OAC), subject to change; APR may differ.
Rates change daily — get your personalized rate
- Insured & conventional options compared
- 120-day rate holds
- No cost for most standard mortgages, OAC
Bank of Canada watch
Variable rates and HELOCs move with prime, which follows the Bank of Canada policy rate. I flag every decision for my clients.
Fixed vs variable
Fixed rates track bond yields; variable rates track prime. The right pick depends on your budget, risk comfort and plans.
Wholesale pricing
Through Affinity Mortgage Solutions Inc. I access volume pricing from banks, monoline, alternative and private lenders — including options your bank will not show you.
Rate holds
Buying or renewing soon? A rate hold of up to 120 days (OAC) protects you if rates rise while you shop.
Mortgage calculators
Documents you will need
- Government-issued photo identification
- Employment letter and recent pay statements, or business income records
- Recent tax returns and Notices of Assessment
- Down-payment statements for a purchase
- Current mortgage statement and renewal offer, if applicable
I’ll confirm the documents your lender needs. Do not include sensitive records in the enquiry form.
Renewing soon?
Don’t auto-renew with your bank
Before you sign, let me compare your renewal offer with other lenders. I’ll review the rate, payment, penalties and flexibility — not just the headline number.
Start up to 120 days before maturity to explore available rate holds, OAC. Switching or refinancing may involve fees; I’ll explain the costs before you decide.
Review my renewal optionsThe Smart Choice
Why a Mortgage Broker Beats Your Bank
Mortgage Kraft
Jay Shah · Mortgage Broker
- Multiple lenders compared for your mortgage
- Rate held & shopped simultaneously
- Advice built around your life goals
- 100% free — lenders pay the broker
- Expert who picks up the phone
- Penalty-aware mortgage structuring
Your Bank
One lender, one shelf of products
- One rate. Take it or leave it.
- Posted rates with hidden penalties
- Branch targets come first
- Advice that favours the bank
- Call centre queue
- Cookie-cutter products
Client stories
What My Clients Say
Real Google reviews, shown exactly as written.
“Jay made the entire mortgage process smooth and stress free. He took the time to explain every step, offered honest advice, and worked quickly to secure the best option for my new home. Really appreciate his professionalism and responsiveness. Highly recommend!”
“I had a great experience working with Jay Shah, a trusted friend and professional mortgage agent. He made the entire mortgage financing process simple and stress-free. Jay helped me secure a great mortgage deal from Scotiabank and guided me step by step with clear advice and quick responses.”
“I had a great experience working with Jay Shah from MortgageKraft. He is extremely knowledgeable, detail-oriented, and took the time to explain everything clearly. His professionalism and strong skills made the entire process smooth and stress-free. I truly appreciated his guidance and attention to detail throughout. Highly recommend Jay Shah at MortgageKraft to anyone looking for a reliable and skilled mortgage agent!”
“Working with MortgageKraft has been such a reassuring experience. Jay is clam, thoughtful and really wise with money and I especially appreciate his transparency and how he keeps everything clear with no surprises. It really makes a big difference.”
“As a realtor, I’ve had the pleasure of working with an exceptional mortgage broker who consistently delivers for my clients. Their professionalism, quick turnaround, and strong communication make every transaction smooth and stress-free. They always find the best solutions and rates, even in challenging situations. I highly recommend their services to any buyer or fellow realtor looking for a reliable lending partner.”
“I had an excellent experience working with Jay Shah at MortgageKraft. From the very beginning, Jay was incredibly professional, knowledgeable, and genuinely committed to helping me find the best mortgage solution. What really stood out was his clear communication and transparency throughout the entire process. He took the time to explain every step in simple terms, answered all my questions patiently, and ensured I felt confident in my decisions. The process was smooth, stress-free, and much faster than I expected. Jay went above and beyond to secure a great rate and tailored options that perfectly matched my needs. His dedication, attention to detail, and client-first approach truly set him apart. I highly recommend Jay Shah and MortgageKraft to anyone looking for a reliable, trustworthy, and efficient mortgage professional. I will definitely be referring friends and family!”
Common Mortgage Questions, Answered Simply
How much does it cost to use a mortgage broker in Ontario?
Lenders pay the broker for most standard mortgages, OAC. Fees on private and alternative files are disclosed upfront.
How is a mortgage broker different from my bank?
Your bank can only offer its own products. I compare lenders — banks, credit unions, monoline lenders and more — to find the mortgage that fits your situation.
Can you help if I'm self-employed or have bruised credit?
Yes. I review your income, credit and property to find suitable lender options. Approval and any fees depend on your circumstances, OAC.
How quickly can I get pre-approved?
Timing depends on your documents and the lender. I can review your goals on a free 30-minute call and explain what is needed for your application.
What areas do you serve?
I'm based in Kitchener and serve Toronto, GTA, KWC, Guelph, Hamilton.
Is it too early to talk if I'm not buying for 6 months?
No. We can review your budget, credit and documents early. Rate holds of up to 120 days may be available, depending on the lender and product, OAC.
Can you help with mortgage renewals and refinancing too?
Yes. Before auto-renewing, I can compare your offer with other lenders and review penalties, fees and terms. Refinancing can also help you access equity, OAC.
Get Started
Let's Find Your Best Mortgage
Jay Shah
Mortgage Broker · Lic. #M22002236
FSRA Licensed