Free consultation
The first call is a map. No fee to talk.
Free consult · no hard credit pull until you say yes
Tell me the file. I’ll tell you the honest options.
Purchase, renewal, refinance, HELOC, second mortgage, self-employed, or the bank already said no. I shop Clover’s lender list and I will say when a product is a poor fit.
Why clients start here
No hard pull until you say yes
I do not run credit just to chat. A bureau happens only with your okay.
Secure process
No SIN or ID photos through the website form. Official apply link only.
What brings you in
Start your inquiry here. Choose what you need, answer a few questions, and I will follow up.
Prefer a dedicated page? Open Apply. Browse Services for detail. Commercial? Contact.
How we work with you
Four clear stages, from the first call to your next renewal. Your file, your pace.
1
Discovery call
A free call or WhatsApp about your goal, timing and numbers. No hard credit pull until you say yes.
2
Documents and pre-approval
A short checklist built for your file, then a credit review and pre-approval when you qualify.
3
Lender match and approval
I compare A, B and private options across Clover’s lender list, then clear the conditions with you.
4
Closing and beyond
Your lawyer completes the closing, and I stay in touch for renewals and yearly check-ins.
Who we can shop
Through Clover Mortgage: the mix behind your options.
🏦 Big banks
🤝 Credit unions
🏠 Monoline lenders
⚡ B lenders
📦 MICs
🔑 Private
Residential
For homeowners and buyers who need purchase, insured first mortgage, renewal, refinance, or rental help in Ontario.
Start here when the file is a primary home or a straightforward investment property, and you want a clear next step, not a rate promise.
Residential detailsAll solutions
For special situations: seconds, HELOC, debt consolidation, self-employed, credit challenges, private bridges, reverse, and urgent timing.
Products depend on the file. Nothing on this site is an offer to lend.
See servicesCommercial too
Owner-occupied offices, mixed-use, and small retail: reviewed case by case through Clover’s network, not a full public menu.
Send property type, use of funds, and a short financial snapshot to see if a path exists.
Ask about commercialWhy clients pick this corner
Clover Mortgage agent · GTA & Ontario: brokerage-level strengths, one person in your corner.
Clover Mortgage lender list · Ontario
Rates
Competitive mortgage options from 70+ lenders
Sample rates · site under development
Competitive Ontario rates through Clover’s lender list. Most people start with a 5- or 3-year fixed or variable. The number you get depends on your file, and some variables can start lower with a buy-down when you qualify.
Sample rates only. This website is under development.
The figures below are for illustration while the site is being built. They are not live, not a quote, and not an offer or commitment to lend. Contact Rozil for current rates on your own file.
| Term | Fixed | Variable | Private 1st | Private 2nd |
|---|
How working with me is different
You’re with a Clover Mortgage agent. I shop many lenders for your file. A bank usually only sells its own mortgage.
| What you’re comparing | With Rozil (Clover) | At a big bank |
|---|---|---|
| Who we can ask for a mortgage | 70+ lenders: Banks, credit unions, monolines, B lenders, and private | Usually only that bank’s products |
| Whose side am I on? | I work your file and look for a fit across the brokerage list | Staff are there to sell the bank’s shelf |
| Credit pull | No credit pull until you say yes. First chat is a map, not a bureau hit. | Often pulls credit early in the branch process |
| Bank already said no / thin credit | Can still look at A, B, private & other paths when they fit | Often a hard stop |
| Self-employed / tricky income | More products that read self-employed income differently | Often wants textbook T4 income only |
| Purchase, renewal, refinance, HELOC, 2nd | All on the table when the file supports it | Limited to what that bank offers |
| Speed once documents are ready | Clean, complete files can move quickly | Often 2+ weeks even on simple files |
| First conversation | Free consultation. No fee to talk. No credit pull until you say yes. | Branch process and timing varies |
| If the first lender isn’t right | We can pivot to another lender on the list | You’re usually stuck shopping elsewhere yourself |
Get your free mortgage consultation
Tell me what you’re trying to do: purchase, renew, refinance, or the bank already said no. I’ll map honest options. No fee to talk.
Seva Food Bank
Heart & Stroke
Operation Smile
MogulsQuick answers
Full list lives on the FAQ page. It was already built; it is now in the top menu too.
Do I need to sign the bank renewal letter?
No. Compare a renewal, a switch, and a refinance first.
Will you pull credit to chat?
No. First call is a map, not a bureau hit.
24-48 hour funding?
Possible when title and documents are ready. Not a guarantee.