Licensing: Vishvesh Patel is a Mortgage Agent Level 1 licensed by the Financial Services Regulatory Authority of Ontario (FSRA), Licence M26001018, and is authorized to provide mortgage services in Ontario only. Brokerage: Centum Financial Services Limited Partnership, FSRA Brokerage Licence #13054, 895 Don Mills Rd, Suite 900, North York, ON M3C 1W3.
No guarantee: mortgage approval, amounts, rates, and terms depend on lender criteria, property, and your individual financial circumstances. Nothing on this website guarantees an approval or a specific rate.
Compensation: Vishvesh Patel does not charge clients a fee for standard residential mortgage services. The lender pays broker compensation when a mortgage funds. Any exception would be disclosed in writing before you commit.
Calculators: results are estimates for education. They use the rate and figures you enter, standard Canadian mortgage math (semi-annual compounding for fixed rates), and simplified assumptions for affordability and land transfer tax. They are not quotes, approvals, or offers.
Content currency: program rules cited on this site (such as down payment minimums, the stress test, the First Home Savings Account, and the Home Buyers' Plan) reflect the rules as generally published at the time of writing and can change. Sources such as CMHC, the Bank of Canada, and the Government of Ontario are named where rules are stated.
Last updated: November 13, 2026.