Kwame Asante, Mortgage Broker
Twenty-two years of difficult files, done right.
Self-employed owners, investors and families with a complicated story. I structure the file, find the lender that suits it and stay with you to closing.
- Brokerage
- Credit Valley Mortgage Group Inc.
- Licence
- M00000321
- Based in
- Mississauga, ON
On the record
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22
Years arranging mortgages in Ontario
Source: Broker’s own record, sample
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40+
Lenders on the brokerage’s panel, compared on every file
Source: Brokerage lender panel, sample
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1,400+
Families and investors helped since 2004
Source: Broker’s own record, sample
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1
Business day to answer every message
Source: Broker’s own commitment
Where experience counts
Most of my clients have been told no somewhere else. Two decades of files means I usually know which lender will say yes, and what they will need to see.
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Self-employed and business owners
Uneven income, retained earnings, add-backs: I build the file a lender’s underwriter understands.
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Investors and rental portfolios
Rental income, multi-unit purchases and portfolio refinances, with the lenders that count rent properly.
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Renewals and refinances
I start months before your renewal and show the real cost of each option, penalties included.
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A second chance after a setback
Past credit trouble or a consumer proposal: an honest plan, and the lenders that look at the whole picture.
From first call to keys
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A conversation first
Your goals, your timeline and what you already have. No forms before we talk.
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The file, built once
You upload documents through my secure page; I organise them the way lenders read them.
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The right lender
Options side by side, with rates, terms and penalties explained, before you choose.
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Through to closing
I manage the conditions with the lender and your lawyer until the funds move.
Press and speaking
- 2026 Peel Homeowners Forum Panel: renewing your mortgage in 2026
- 2025 Credit Valley Real Estate Breakfast Keynote: what lenders look for in self-employed files
- 2025 Halton Small Business Week Workshop: buying your first rental property
Who lends, and who suits your file?
A broker works with several kinds of lenders. Choose one to see the trade-offs.
National banks with branches and a full range of accounts.
- Strengths
- Branches, bundled banking, a wide product range.
- Watch for
- Penalties to break a fixed term can be higher where they are calculated from posted rates.
- Often suits
- Clients who want everything in one place and fit standard rules.
Member-owned, provincially regulated lenders.
- Strengths
- Local decisions and more room on some files, such as self-employed income.
- Watch for
- Some products can’t move with you to another province.
- Often suits
- Clients staying in the province who value a local relationship.
Lenders that only do mortgages, available through brokers.
- Strengths
- Competitive pricing and, often, simpler penalty calculations.
- Watch for
- No branches, and fewer other banking products.
- Often suits
- Clients focused on the mortgage itself, through a broker.
Short-term lending for files outside bank rules.
- Strengths
- Decisions based on the property and the plan, quickly.
- Watch for
- Higher rates and fees, and terms of one or two years.
- Often suits
- A bridge back to a mainstream lender, with a clear exit plan.
General information, not advice. Lender names are shown only with each lender’s permission.
Run the numbers
Your payment, the mortgage insurance, the interest over the years and what faster payments would save. Change anything; the figures follow.
$1,709
per accelerated bi-weekly payment
- Mortgage amount
- $600,000
- Mortgage insurance
- Not required with 20% or more down
- Sales tax on the premium, paid at closing
- Total interest
- $358,351
- Total paid
- $958,351
- Number of payments
- 561
- Paid off in
- 21 years 7 months
Accelerated payments save $67,124 in interest and finish 3 years 6 months sooner than monthly payments.
Year-by-year schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $28,057 | $16,380 | $583,620 |
| 2 | $27,263 | $17,174 | $566,445 |
| 3 | $26,431 | $18,007 | $548,439 |
| 4 | $25,558 | $18,880 | $529,559 |
| 5 | $24,643 | $19,795 | $509,764 |
| 6 | $23,683 | $20,754 | $489,010 |
| 7 | $22,677 | $21,760 | $467,249 |
| 8 | $21,622 | $22,815 | $444,434 |
| 9 | $20,516 | $23,921 | $420,513 |
| 10 | $19,357 | $25,081 | $395,432 |
| 11 | $18,141 | $26,296 | $369,135 |
| 12 | $16,866 | $27,571 | $341,564 |
| 13 | $15,530 | $28,908 | $312,657 |
| 14 | $14,128 | $30,309 | $282,348 |
| 15 | $12,659 | $31,778 | $250,570 |
| 16 | $11,119 | $33,318 | $217,251 |
| 17 | $9,504 | $34,934 | $182,318 |
| 18 | $7,811 | $36,627 | $145,691 |
| 19 | $6,035 | $38,402 | $107,288 |
| 20 | $4,174 | $40,264 | $67,025 |
| 21 | $2,222 | $42,216 | $24,809 |
| 22 | $357 | $24,809 | $0 |
How this is worked out
- Canadian fixed rates compound twice a year, so the rate per payment is a little lower than the annual rate divided by the number of payments.
- Minimum down payment: 5% of the first $500,000 and 10% of the part up to $1.5 million. From $1.5 million, 20%.
- With less than 20% down, mortgage default insurance is required and its premium is added to the mortgage: 2.80% to 4.00% of the loan depending on the down payment, plus 0.20 points over 25 years.
- Accelerated payments are half or a quarter of the monthly payment, paid every two weeks or every week, which adds about one monthly payment a year.
Indicative, not a lender decision or a pre-approval. Assumes the same rate for the whole amortization; rates change at renewal.
What clients say
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Two banks turned down my business income. Kwame knew exactly which lender would understand it, and we closed on time.
Self-employed purchase in Mississauga. Shared with consent. -
He started our renewal four months early and saved us from signing the first offer that came in the mail.
Renewal in Oakville. Shared with consent. -
Our duplex purchase had every complication. Kwame stayed calm, explained each step, and it closed on schedule.
Investment purchase in Brampton. Shared with consent.
Questions clients ask
Can you help if my bank already said no?
Often, yes. Lenders have different rules for the same situation. I will tell you honestly what is possible and what would need to change.
Do you compare lenders for me?
Yes. I work with the brokerage’s full lender panel, not one bank, and show you the options side by side.
What do you charge?
On most residential mortgages the lender pays the brokerage, so there is no fee to you. If a file ever needs a fee, you will see it in writing before you agree to anything.
Your documents, sent securely in minutes
Upload everything from your phone or computer. It goes straight to Kwame’s secure document storage in Canada, with a checklist made for your situation.
- Tell us a little about you and your plans
- See exactly which documents your situation needs
- Upload them, and you’re done
- No account to create
- Works on your phone
- Stored in Canada
Sample site: on a live site, the secure upload form opens right here.
Bring me the difficult file
A thirty-minute call about where you are and what you need. You leave with a plan.
- Phone
- 905-555-0110
