Hello, I’m Tej Sandhu, a dedicated Mortgage Agent - Level 1 based in Vaughan, Ontario, proudly serving clients through ON Company. With over 25 years of experience in the financial and real estate sectors, I specialize in simplifying your mortgage journey by delivering the best rates, expert guidance, and a seamless, stress-free experience from start to finish.My educational background includes certifications as a Mortgage Agent and Realtor, complemented by my credentials as a Professional Engineer. This diverse expertise enables me to approach each client’s unique financial situation with analytical precision and industry insight, ensuring tailored mortgage solutions that align with your goals.Throughout my career, I have developed a strong suite of skills including mortgage renewals, refinancing, rate negotiation, pre-approvals, home financing, debt consolidation, lender comparison, and strategic planning. Whether you’re a first-time homebuyer, looking to refinance, or interested in investing in multifamily properties, I am committed to guiding you every step of the way with clarity and confidence.Outside of work, I have a passion for basketball and skiing, activities that keep me energized and focused. I am also deeply interested in finance, macroeconomics, cryptocurrency, commodities, real estate, and investing—areas that continually broaden my understanding of market trends and economic forces, benefiting my clients with up-to-date, well-informed advice.Fluent in both English and Punjabi, I take pride in connecting with a diverse client base and fostering lasting relationships built on trust and transparency.If you’re ready to navigate the complexities of home financing with a knowledgeable partner by your side, I’m here to help make your mortgage experience as smooth and rewarding as possible.