Collaborative Mortgage Solutions

Working together on your home financing needs

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Our Process

With every new client, we take the time to listen to your needs in order to build a plan that is in line with your goals. The process is divided into parts where we focus on information gathering, communication and processing, and delivery. It is important to us that you are informed and assured when selecting a mortgage.


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Buying a home

Whether you are a first time home buyer or looking for that savvy investment property, stress and complications can arise when arranging financing.  That's where we come in.  Let us help you secure the right mortgage.

Considering a refinance

There are many reasons to consider a refinance.  Lower interest rates, debt consolidation, or even just accessing the equity in your home.  We can discuss the pros and cons with you to see if a refinance is right for you.

Renewal coming up?

Is your mortgage renewal coming up? Is your lender offering you the best rate and terms?  Call us for a no obligation consultation to see if we can find you something better and if it makes sense to switch.

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Our Team

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Jose and Balraj are friends and mortgage broker partners who have worked together for several years. They started lendlab in the hopes of adding warmth to a process that can sometimes feel impersonal. Their team based approach is focused on putting you and your family first.

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Ready to get started?

A mortgage broker is an independent, licensed, and certified professional with an established network of lenders who works on your behalf to find the most suitable option for you.  We do the research to save you the time and hassle of dealing with different banks and lenders so that you can focus on other aspects of the home buying process.

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Catherine D

We renewed our mortgage with the help of Jose and Balraj. I can’t speak highly enough about how they treated us. They went above and beyond and were able to get us an amazing rate. Jose walked us through the entire process and was more than happy to answer any of our questions. I would not hesitate in recommending them for either a new mortgage or when you are looking to renew.

Jeremy S

What an easy process ! Lendlab made this experience enjoyable. Balraj was quick to respond, professional, and friendly. I was impressed by how efficient he was. Without question, I will use Lendlab in the future and highly recommend others to use them as well.

Randy S

We met Balraj through our realtor when we were looking for a new home. Working with him has really stood out as a highlight in this stressful process. He was very patient with us, took the time to answer our questions and to provide options. I would also describe him as being thorough, professional, responsive and just overall genuinely interested in us and our journey. Just a good guy in general. We would recommend him to anyone who is looking for help with a new or existing mortgage.

Kristy Webster

We highly recommend Jose and LendLab! Jose made financing happen for us in record time, had an answer and explanation for every single question we had, was available at any time of the day or night and was even able to get us a last minute rate drop. On top of that, he was patient, pleasant and genuinely cared about us and his knowledge, professionalism and expertise can’t be beat. We are so appreciative of the way Jose went above and beyond to make purchasing our first home such a wonderful, stress free experience and we are looking forward to working with him for years to come! Thanks for making our dreams come true Jose!

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Frequently Asked Questions

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Here are some frequently asked questions about lendlab. Have More questions?

What does a mortgage broker do?

Negotiate a client’s mortgage application with several financial institutions. Get you the best mortgage conditions available on the market, depending on your financial situation and credit history. Advise you on the best products and financial institutions available for your particular circumstances.

What is a conventional mortgage?

A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, a loan to value of or less than 80%, and does not normally require mortgage loan insurance.

What is mortgage loan insurance?

Mortgage loan insurance is insurance provided by Canada Mortgage and Housing Corporation (CMHC), a crown corporation, Canada Guaranty and Sagen, approved private corporations. This insurance is required by law to insure lenders against default on mortgages with a High Ratio. The insurance premiums are paid by the borrower and can be added directly onto the mortgage amount. This is not the same as mortgage life insurance.

What is a fixed rate mortgage?

The interest rate on a fixed-rate mortgage is set for a pre-determined term - usually between 6 months to 5 years. This offers the security of knowing what you will be paying for the term selected.

What is a variable rate mortgage?

A mortgage in which payments are fixed for a period of one to two years although interest rates may fluctuate from month to month depending on market conditions. If interest rates go down, more of the payment goes towards reducing the principal; if rates go up, a larger portion of the monthly payment goes towards covering the interest. Open variable rate mortgages allow prepayment of any amount (with certain minimums) on any payment date.

What is a down payment?

Very few home buyers have the cash available to buy a home outright. Most of us will turn to a financial institution for a mortgage the first step in a potentially long-standing relationship. But even with a mortgage, you will need to raise the money for a down payment. The down payment is that portion of the purchase price you furnish yourself. The amount of the down payment (which represents your financial stake, or the equity in your new home) should be determined well before you start house hunting. The larger the down payment, the less your home costs in the long run. With a smaller mortgage, interest costs will be lower and over time this will add up to significant savings.

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Reach out anytime for a no obligation conversation to see if we are right for you. Always happy to chat!

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