Mortgage Broker
- Nova Scotia Licence #2023‑3000686
- New Brunswick License – 240045636
- Alberta License – 00662412
Mortgage Solutions Built Around You.
Halifax's local mortgage broker, on your side.
Free, unbiased mortgage advice for first-time buyers, refinancing, and renewals across Halifax and Dartmouth.
Today's Halifax mortgage rates
Rates updated regularly. See the full rate sheet and find out which term fits your goals.
View All RatesWherever you are in the journey
Wherever you are in your mortgage journey, I can help.
Buying your first home, renewing an existing mortgage, refinancing to consolidate debt, or self-employed and tired of being told no by the bank — I work with dozens of lenders across Canada to find a mortgage that actually fits your life.
Explore Mortgage Services
First-time buyers
Programs, down payment help, and step-by-step guidance.
Renewals
Compare rates before auto-renewing with your bank.
Refinancing
Access equity or restructure your mortgage.
Self-employed
Solutions for business owners and contractors.
Why not just use my bank?
Why Halifax homeowners work with me instead of their bank
Your bank can only offer you its own products. As an independent mortgage broker, I shop dozens of lenders on your behalf, at no cost to you in most cases, because the lender pays my fee, not you. That means unbiased advice, a wider range of rates and products, and someone in your corner from application to closing day and beyond.
Services
Mortgage solutions for every situation
Whether you're buying your first home, renewing, refinancing, or self-employed, I build mortgage solutions around your situation — not a one-size-fits-all bank product.
Most searched
Your mortgage journey
From first call to closing day — here's the path
Pre-Approval
We review your income, credit, and goals to confirm your budget.
Searching for a Home
Shop with confidence, knowing exactly what you can afford.
Accepted Offer
Your offer is in — we move quickly to finalize financing.
Mortgage Approval
I submit your file to the lender that fits you best.
Firming Up the Deal
Conditions are satisfied and the deal becomes firm.
Closing Day
Lawyers finalize the paperwork — you get the keys.
Client stories
What Halifax clients are saying
"Bhawan made buying our first home so much less stressful. He explained everything in plain language and found us a rate our bank couldn't match."Sarah M. · First-Time Buyer
"I almost just signed my bank's renewal letter. Glad I called Bhawan first — he found a better rate in one conversation."James T. · Renewal
"Arjun walked us through every option for consolidating our debt. Very thorough and never pushy."Priya K. · Refinance
Free guides
Free guides for Nova Scotia home buyers
Not sure where to start? Explore free guides on the First-Time Home Buyer Journey, the Nova Scotia Down Payment Assistance Program, HST rebates on new homes, and construction incentives.
Browse the Resource Center
Ready to talk mortgages?
Book a free, no-obligation call and let's figure out your best path to a mortgage that works for you.