Where Honest Advice Meets Smart Moves

Find it. Fund it. Live it.

A single, high‑tech team for Real Estate, Mortgages, Home Inspections & Renovation Consulting across Ontario. From start to keys‑in‑hand, we’re with you every step.

Get Pre‑Approved Explore Services Honest.Investors

FIN Mortgage — Mortgage Agent (Level 2) RE/MAX Elevate — Realtor® Home Inspector

Instant Snapshot

Pre‑approvals in hours, not days. Local market insights and AI‑assisted search.

5‑yr Fixed

from 3.24%

Cities Served

35+ Ontario

Client Rating

4.9★

One Call Engine

Smart Search: match budget + neighbourhood + commute
Mortgage Strategy: A/B/C lenders, variable vs fixed
Inspection‑first offers to protect your budget

Everything under one roof

We coordinate the entire journey so you don’t have to. One team, one plan, zero guesswork.

🏠

Real Estate

Private tours, comps, offer strategy & negotiation through RE/MAX Elevate.

Book a tour

🏦

Mortgages

Fast pre‑approvals, self‑employed solutions & refinance options via FIN Mortgage.

Start application

🛡️

Home Inspection

Certified inspections with thermal checks and moisture scanning.

Schedule Inspection

🛠️

Renovation Consulting

Plan ROI‑positive upgrades and financing strategies post‑close.

Plan my reno

Anojan Thangavel — Realtor, Mortgage Agent, Home Inspector

💼 Meet Anojan Thangavel — Your One & Only Mortgage & Real Estate Solution

Hi, I’m Anojan Thangavel, a multi-licensed professional proudly serving Ontario as a Realtor®with RE/MAX Elevate, Mortgage Agent (Level 1) with FIN Mortgage — Dominion Lending Centres, and Certified Home Inspector. I combine data-driven strategy, real-world experience, and human-first guidance to make every real estate journey simple, transparent, and stress-free.

Whether you’re buying your first home, refinancing for a better rate, or adding value through smart renovations, my mission is to guide you every step of the way — from dream to doorstep.

One honest call for all your 🏛️ Real Estate | 💰 Mortgage | 🔍 Inspection | ⚜️ Financial Needs

Professional & Trustworthy Warm & Friendly High-Tech Advisor All-in-One Expert

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Honest Investor — Pro Tools

Find it. Fund it. Live it.

Current Mortgage Balance ($) Current Rate (annual %) Months Left in Term Penalty Method Comparable Posted/Discount Rate (annual %) New Rate (annual %) New Amortization (years) Include Penalty in New Mortgage? Estimated Property Value ($) Goal Purpose

Estimated Penalty

Total To Refinance

New Payment (monthly)

Total Interest (full amort.)

Total Principal Repaid

LTV on Refi

Existing Mortgage Amount ($) Existing Rate (annual %) Existing Remaining Term (years) HELOC Add-On ($) HELOC Rate (annual %) Blending Method Amortization for Combined (years) Estimated Property Value ($) Compare vs Full Refinance? Full Refi Rate for Compare (annual %)

Blended Rate

0.00%

Combined Mortgage ($)

New Payment (monthly)

Total Interest (full amort.)

Equity & Limits

—

Full Refi (compare)

—

Leave monthly payment blank to auto-estimate (CC≈3%, LOC≈2%, Car≈1.75%, Other≈2% of balance). Uncheck to exclude a debt.

Credit Card

Balance ($) Rate % Monthly Payment ($)

Line of Credit

Balance ($) Rate % Monthly Payment ($)

Car Loan

Balance ($) Rate % Monthly Payment ($)

Other

Balance ($) Rate % Monthly Payment ($)

Existing Mortgage Balance ($) Existing Mortgage Rate (annual %) New Mortgage Rate (annual %) Amortization (years) Add to Mortgage? (sum balances) Estimated Property Value ($)

Current Debts: Monthly

New Mortgage Payment (monthly)

Cashflow Change

$0 / mo

New Total Mortgage Balance

Resulting LTV

Before vs After (visual)

Province First-time buyer? Property in Toronto? Applicants Gross Annual Income — Applicant 1 ($) Gross Annual Income — Applicant 2 ($) Other Monthly Debts ($) Down Payment (%) Rate (contract %) Amortization (years) Condo/HOA ($/mo) Property Tax ($/yr) Heating ($/mo)

Stress Test

Max(5.25%, rate+2%). Auto-applied.

Target Monthly Payment ($) — optional Target Home Price ($) — optional

Max Mortgage

Max Purchase Price

Stress Rate Used

0.00%

ON Land Transfer Tax (after rebate)

Toronto MLTT (after rebate)

—

Total LTT Due

If Target Payment → Est. Price