Your mortgage, in your language
A mortgage is one of the biggest financial decisions your family will make. It's hard enough in your first language. It shouldn't be harder because the terms, the paperwork or the bank's rules are explained in a way that doesn't fit your situation.
I'm Farshid Azarang, a licensed mortgage broker and team leader with Mortgage Alliance, based in Woodbridge. I was born in Tehran, and I work with Iranian-Canadian families across Vaughan, Toronto and the GTA, in Farsi or English, whichever you prefer.
Who I help
Newcomers to Canada: buying a first home with a short Canadian credit history. Programs for newcomers may be available with some lenders, depending on your status, down payment and documents.
Self-employed professionals and business owners: whose tax returns don't show what the business really earns.
Homeowners facing a renewal: who want a second opinion, or whose renewal was declined.
Families who need to refinance: to consolidate debt, renovate or help their children.
Borrowers turned down by a bank: who may need an alternative or private lender, with a clear plan to get back to a regular mortgage.
Homeowners 55+: exploring a reverse mortgage, explained accurately, including interest and costs.
Why families work with me
Your language, your pace
We can talk through every number and every document in Farsi, including with parents or family members who want to be part of the decision.
Honest answers
If a deal doesn't make sense for you, I'll tell you. Approval is not the same as affordability.
Many lenders, one conversation
I compare options from banks, alternative lenders and private lenders instead of one bank's offer.
Full transparency on fees
On most bank mortgages the lender pays the broker, so you pay the broker nothing. When a fee applies, for example on a private mortgage, it's disclosed in writing and paid through your lawyer at closing. You should never pay anyone outside the written agreement.
How it works
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1. Free first conversation: by phone, WhatsApp or in person, in Farsi or English.
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2. Review: of your income, credit, down payment or equity, and goals.
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3. Options: I show you the lenders and programs that fit, with their costs, side by side.
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4. Application and closing: I handle the lender and work with your lawyer through to closing.
Frequently asked questions
Q: Can I get a mortgage as a newcomer to Canada?
A: You may qualify. Some lenders have programs for newcomers with limited Canadian credit history. Your status, income, down payment and documents all matter. Every file is subject to lender approval.
Q: Do I have to pay you?
A: On most bank and prime-lender mortgages, no. The lender pays the broker. Alternative and private mortgages may involve fees. If so, they're disclosed in writing before you sign and paid through your lawyer's trust account.
Q: Can my parents or spouse join the meeting?
A: Yes. Family members are always welcome. We can meet in person in Woodbridge or by video.
Q: Do you only work with Iranian clients?
A: No. I work with clients from every background, in English or Farsi.
Mortgage services are provided through The Mortgage Alliance Company of Canada, FSRA Licence No. 10530. All mortgages are subject to lender approval. Programs, rates and terms vary by lender and borrower profile. This page is general information, not personal financial advice.