Available

Pratik Pandya

Mortgage Agent · Mortgage Squad Advisors

Helping clients across the GTA win their best mortgage rate — backed by Mortgage Squad Advisors's 50+ lender network and Maya AI.

Pre-approval Purchase Refinance Renewal

Message Pratik Book a consult Pre-vet with Maya

Mississauga, ON| English · Gujarati · Hindi| FSRA-licensed

175+

Mortgages funded

across 5+ years

$113.8M

Career funded volume

and counting

$285/mo

Avg. client savings

vs. bank's first offer

28 days

Avg. close time

from offer to keys

Recognition

Awards & licensing

FSRA-Licensed Mortgage Agent

Financial Services Regulatory Authority of Ontario

FINTRAC-Registered · AML Trained

Mortgage Squad Advisors

Continuing Ed Member

Mortgage Squad Advisors Academy

About Pratik

Your mortgage, handled.

Mortgage Squad Advisors agents are FSRA-licensed mortgage professionals dedicated to finding their clients the best possible financing across Canada's 50+ lender network.

Whether you're a first-time buyer, renewing, refinancing, or building an investment portfolio, your advisor walks every step of the file with you — backed by Maya AI for after-hours questions and a senior underwriting team for complex deals.

Try the math · live

See your numbers, instantly.

Slide the inputs. Canadian semi-annual compounding. Real engine — same one Pratik uses on your file.

Monthly payment

$3,218

Loan amount

$600,000

Lifetime interest

$365,467

Mortgage-free year

2051

Property value$750,000

Down payment$150,00020.0% down

Rate4.19%

Amortization25 years

Get pre-approved with Pratik Full calculator Ask Maya about it

What’s your situation?

Find your starting point in 5 seconds.

Tap the tile that fits — Pratik surfaces the right program and the next step.

Pick what describes you above — I’ll surface the right program and the next step.

Mortgage 101 · the bits that matter

Four things every Canadian should understand.

Tap a card to read more. Each links into the calculator or glossary that goes deeper.

Specialties

Pratik works on files like yours.

Home purchase mortgages

Mortgage refinancing

Renewals

Investment properties

First-time buyers

Services I help with

Every mortgage product, one advisor.

Tap any tile to explore the product, or use the CTAs above to start an application routed to Pratik.

First-time buyer

FHSA + RRSP HBP planning

Renewal

Beat your bank's offer

Refinance

Unlock equity or rate-drop

HELOC

Up to 80% LTV combined

Self-employed

BFS + alt-A programs

New to Canada

5% down · no Cdn credit

B & private exit plans

Run the numbers

14 Canadian-correct calculators.

Same math Pratik runs on your file. No sign-up, no credit pull.

Payment Affordability Stress test CMHC insurance Land transfer tax Refinance HELOC Prepayment penalty Renewal comparison

See all 14 calculators

Reach Pratik

Every message and application from this page goes straight to Pratik — no central queue, no “someone will call you back.”

Message Pratik Start pre-approval with Pratik

FSRA-licensed · Privacy by design

Languages

English Gujarati Hindi

Don’t see your language? Maya translates live, or we’ll pair you with another MSA agent.

Maya · 24/7

Have a quick question?

Ask Maya in 50+ languages while you wait for Pratik.

Ask Maya

Working with Pratik

Three steps. No jargon. No pressure.

Quick intake

Pick a CTA above (pre-approval, purchase, refinance, renewal), or use the form below. Pratik reaches out the same business day — most within 4 minutes.

We shop your file

Across 50+ lenders — A, B, monoline, credit union, private. We bring you the 2-3 best options with side-by-side math.

Funding day

Sign at your lawyer's, get the keys, and start tracking your mortgage in our portal post-close. Renewal reminders 90+ days early.

Send a routed message

Work with Pratik directly.

Drop your contact and a one-liner about your situation. Mortgage Squad Advisors routes the request straight to Pratik — usually within 4 minutes during business hours. No bureau pull, no obligation, ever.

Free consultation
Rate-beat guarantee or $500
Available in English, Gujarati, Hindi
Maya on backup 24/7

Maya · 24/7 AI advisor

Have a question right now? Maya answers instantly in 50+ languages.

Chat Call

FAQ

Common questions about working with Pratik.

Is Pratik Pandya licensed?

Yes — Pratik Pandya is an FSRA-licensed mortgage agent at Mortgage Squad Advisors, Brokerage License #13737. All Mortgage Squad Advisors agents are individually licensed and FINTRAC-trained.

What does it cost to work with Pratik?

Nothing on standard residential files. The lender pays Mortgage Squad Advisors on funding — there's no broker fee on your closing statement. Specialty files (private mortgages, commercial, distressed) may carry a disclosed broker fee that you'd see in writing before agreeing to anything.

What languages can we speak in?

Pratik is fluent in English, Gujarati, Hindi. If you'd like to chat in another language, Maya (our AI advisor) translates live, and we can also route you to another Mortgage Squad Advisors agent who speaks your preferred language.

How quickly can I get pre-approved?

Ballpark numbers in 60 seconds via Maya, with no credit pull. Formal written pre-approval typically arrives within 24-72 hours of submitting documents.

Does Mortgage Squad Advisors work with my situation?

Almost certainly. Mortgage Squad Advisors's 50+ lender network covers first-time buyers, renewals, refinance, self-employed, newcomer to Canada, bad credit, alt-A, private, multi-unit residential, and commercial. Pratik specializes in: Home purchase mortgages, Mortgage refinancing, Renewals, Investment properties, First-time buyers.