Mortgages by NehaNeha Joneja, Mortgage Agent Level 2
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Mortgage Agent in Brampton: Neha Joneja

Elevated mortgage solutions for first-time buyers, newcomers, self-employed borrowers and homeowners across Peel Region, in English, Hindi and Punjabi.

Call (647) 530-1682 Book a consultation Apply online (opens in a new tab)

Looking for a mortgage agent in Brampton? Neha Joneja is a Mortgage Agent Level 2 with Mortgage Assurance Inc. (FSRA #13812) at 7900 Hurontario St. She arranges purchase, refinance, renewal and private mortgages for first-time buyers, newcomers and self-employed clients across Peel Region, in English, Hindi and Punjabi, with support 24/7.

How can I help?

Pick the situation that sounds most like yours. Each page explains how it works, what you’ll need and what to expect.

First-time buyers Down payment tiers, FHSA and HBP, land transfer tax refund and pre-approval, explained step by step for your first Brampton home. Newcomers to Canada PR or work permit, thin credit, savings from back home: newcomer mortgages explained by an agent who made the move herself. Self-employed Tax returns, add-backs or stated income: mortgage options for Brampton business owners, contractors and owner-operators. Refinance & debt consolidation Access your home equity for renovations, a legal basement suite or debt payoff, with penalties and costs laid out first. Investment property Rental purchases, legal basement suites and growing portfolios, with clear answers on down payment and rental income rules.
Something else?

Told no by the bank?

A decline from one lender is one opinion, not the final word. Neha’s Level 2 licence lets her work with major banks, alternative (B) lenders and private lenders, so she can look at your file from every angle: income type, debt ratios, credit history and down payment.

She’ll tell you plainly what it would take to get approved, and which option makes sense now versus in a year.

Get a second opinion Private & specialty options

…she made the impossible file possible with one of the A lenders.

★★★★★ Parteek V., Google review · Approved after refusals elsewhere

Why Brampton families choose Neha

  • Available 24/7

    Questions don’t keep office hours. Neha answers calls and messages evenings and weekends, which matters when an offer deadline is tonight.

  • Patient, plain-language advice

    Every option explained until it makes sense, with no question too small. Clients often mention her patience.

  • Follow-up after closing

    Neha makes after-service calls once you get the keys, so you always know who to ask about next steps.

  • Complex files approved

    Self-employed income, newcomer credit, past declines: reviewers describe approvals after other refusals and tricky situations.

  • Competitive rates

    “Great rates” is a recurring theme in her Google reviews, because she compares lenders instead of offering one bank’s products.

  • Three languages

    Advice in English, Hindi or Punjabi, so every family member in the decision understands the numbers.

How it works

  1. A call with Neha

    Talk through your goals, timeline and situation in English, Hindi or Punjabi. No paperwork yet.

  2. Documents & pre-approval

    You get a personalised document checklist. Neha reviews everything and arranges your pre-approval or approval plan.

  3. The right lender

    Neha compares banks, alternative and private lenders and explains each offer: rate, terms, penalties and fine print.

  4. Keys, then follow-up

    She works with your realtor and lawyer through closing, then checks in after your mortgage funds.

What clients say

4.8on Google from 18 reviews

…she made the impossible file possible with one of the A lenders.

★★★★★ Parteek V., Google reviewApproved after refusals elsewhere

We had a tricky financial situation but Neha handled seamlessly…

★★★★★ Nikita V., Google reviewA complex financial situation

…especially if you are going through a challenging or complicated situation… even 24/7.

★★★★★ Dinesh S., Google reviewAvailable when it matters

Neha went above and beyond to help get our new home.

★★★★★ Staci S., Google reviewHome purchase

…to find the perfect lender and interest rates to suit our needs.

★★★★★ Manika D., Google reviewLender and rate choice

Thorough, precise, no surprises! … always ready to answer my million questions.

★★★★★ Isha A., Google reviewPatience and clarity

Excellent mortgage agent for refinancing and new mortgages.

★★★★★ Ajmal K., Google reviewRefinancing

Read all reviews on Google

Mortgage advice in English, Hindi & Punjabi

A mortgage is a family decision. Neha can walk parents, partners and co-buyers through the numbers in the language each of them is most comfortable with, so nobody signs something they don’t fully understand.

Hindi & Punjabi mortgage help

What would my payment be?

Try a price and down payment. The estimate includes CMHC insurance when your down payment is under 20%.

Mortgage payment calculator

For illustration only. Not a rate quote or an approval.

Approval subject to lender criteria (O.A.C.). Rates subject to change. Figures are estimates for illustration only.

Meet Neha

Originally from India, Neha earned her Bachelor of Commerce and built her career in banking before bringing her finance background to Canadian mortgages.

Today she is a Mortgage Agent Level 2 with Mortgage Assurance Inc. (FSRA Brokerage #13812), and clients describe her as patient, responsive and determined: the agent who keeps working on a file after others have said no.

  • 10 yearsin finance and mortgages
  • 3 languagesEnglish, Hindi, Punjabi
  • 4.8★from 18 Google reviews

Read my story

Frequently asked questions

What does a mortgage agent in Brampton do?

A mortgage agent compares lenders on your behalf, prepares your application and guides you from pre-approval to closing. Neha Joneja is a Mortgage Agent Level 2 with Mortgage Assurance Inc. (FSRA Brokerage #13812), so she can work with major banks, alternative (B) lenders and private lenders, instead of offering one bank’s products.

Is Neha Joneja a licensed mortgage professional in Ontario?

Yes. Neha is a Mortgage Agent Level 2 licensed in Ontario through Mortgage Assurance Inc., FSRA Brokerage Licence #13812, which is independently owned and operated. You can verify licences on the FSRA website, and her details are on the licensing and disclosures page.

Does Neha speak Punjabi and Hindi?

Yes. Neha works with clients in English, Hindi and Punjabi, which helps when parents, partners or co-buyers want to understand every number before signing. Learn more on the Hindi and Punjabi mortgage help page.

Can Neha help if my bank already said no?

Often, yes. A decline from one lender doesn’t mean every lender will say no. Neha reviews why the file was declined (income type, debt ratios, credit or the property) and looks at banks, alternative lenders and private options. Approval is always subject to lender criteria. See private and specialty mortgages.

Which areas does Neha serve?

Neha’s office is at 7900 Hurontario St in Brampton, near Hurontario St and Steeles Ave. She serves Brampton, Mississauga, Caledon and the rest of Peel Region, and clients elsewhere in Ontario through online appointments. See areas served.

How do I get started?

Call (647) 530-1682, book a consultation or start your application in Neha’s mortgage app. The first conversation covers your goals, timeline and what documents you’ll need, so there’s no paperwork to prepare beforehand.

Straight answers from Neha

All resources

Ready to talk it through?

Call, book a time or start your application online. Neha will explain your options in plain language, in English, Hindi or Punjabi.

Call (647) 530-1682Book a consultationApply online (opens in a new tab)
Neha Joneja, Mortgage Agent Level 2 7900 Hurontario St, Brampton, ON L6Y 0P6 (647) 530-1682 jonejaneha@gmail.com Opens 9 a.m. · phone support 24/7