Licensed Mortgage Agent Level II · FSRA #12403

More than mortgages.
A plan you can actually live in.

The bank tells you what you can borrow. Almost nobody tells you what you can afford — and still travel, still invest, still sleep at night.

That is the number we start with.

Check What You Can Actually Afford →

Takes about 2 minutes. No credit check, no phone calls.
Serving clients across Ontario, Alberta and British Columbia.

There are two numbers.
Most buyers only ever see one.

What the bank says

Your maximum

Calculated on your gross income, before tax, before daycare, before groceries, before the life you actually live. It is the biggest number they can responsibly lend you — not the number that keeps you whole.

What we calculate

Your comfortable

Built on your net income and what you truly spend each month, then held to the 35% rule — no more than a third of your take-home going to housing. This is the number that leaves room for everything else.

The distance between those two numbers is where house-poor happens.

The Process

How this works

Five steps. You always know what happens next.

Run the affordability check

Two minutes, no credit pull. You will see both numbers side by side — what a bank would approve, and what your life can actually carry.

The Affordability Call

A one-on-one call with our team. We go through your net income, your real monthly spending, your goals — and build the housing budget you should actually shop with. Free, and you leave with the number whether you work with us or not.

Find the home, with the right people around you

We connect you with realtors, lawyers, and inspectors we trust — people who run on the same values we do, who will tell you to walk away from the wrong house. This part takes as long as it takes. Some clients find their home in a month, some take a year. We stay with you either way.

We run the mortgage, end to end

Once your offer is accepted, we shop every lender for your file, handle the underwriting, and manage the paperwork through to closing. One team, one point of contact, no chasing.

Then the part nobody else does

After closing, you join Grow Nation — our community for Canadian families building real wealth. Because getting the mortgage was never the finish line. It was move one.

Included With Every Mortgage

Most people meet their mortgage agent twice,
then never again.

When you close with us, you join Grow Nation — the room where the work continues. Monthly investor masterminds, live Q&As, in-person sessions, the community WhatsApp rooms, and the planning tools our clients use to stay on track.

Your mortgage renews every few years. Your plan runs for thirty. We would rather be there for the second one.

One team. One plan. From your first home to your last working day.

See What Grow Nation Includes →

Not ready to talk yet? Start here.

Four ways to get useful before you ever speak to anyone.

2 Minutes · Instant

The Affordability Check

See both numbers — what a bank would approve, and what your life can actually carry. No credit check.

Run the check →

Renewing Soon · Free Review

Renewing? Your bank's rate is probably fine

We will say it out loud. Here is the honest case for moving your renewal to us anyway — and it is not about the rate.

Read the honest version →

Monthly · Free · 60-Min Workshop

How Does Your Home Fit Into Your Retirement?

A live 60-minute workshop on where a home actually sits in your financial plan — and whether buying this year moves you closer to retirement or further from it.

Save your seat →

4 Chapters · Free · Instant

Don't Screw It Up

Four chapters on the money moves most first-time buyers miss — $50,000+ in tax refunds, and the $1.4M decision.

Send it to me →

What clients say

Written by real clients, after their files closed.

"Finance is always tough to understand when it's explained in a complicated way. But when you keep it simple and connect the dots step by step, it becomes much easier and that's exactly what Navjot does for all his clients. This is not just about getting the best mortgage rate, but about setting up your life the right way by being part of a like minded community."

Taman & Andrea

"Navjot and his team have been the most amazing partners we could have asked for on our journey to becoming a home owner. His videos helped me understand and calculate affordability, while his team ensured that the process of getting a mortgage was seamless. And guess what — our journey with them did not stop at getting the mortgage."

Abhishek & Saumya

"The biggest advantage was having the entire team under one roof — mortgage, realtor, and lawyer all working in sync. Beyond the home buying process, we now have access to guidance on retirement planning, business acceleration, and overall financial growth, which adds long-term value well beyond just purchasing a home."

Nikhil & Sneha

The team

Every person here was chosen for one reason: they do the right thing even when it costs us the deal.

Navjot Bindra

Founder

Mortgage Agent
License #M21004312

Sahil Narang

Client Advisory

Mortgage Agent
License #M23006643

Angad Khokhar

Underwriting

Mortgage Agent
License #M24002131

Faigha Naz

Client Care

Mortgage Agent
License #M26000792

More than mortgages.A plan you can actually live in.

There are two numbers.Most buyers only ever see one.