Experience That Goes Beyond Mortgages

I’m Roger Nambiar, Principal Broker at Pro-Lending Mortgage Brokerage.
My career has given me the opportunity to see lending from both sides of the desk. I spent more than 22 years in the banking and lending industry, followed by approximately 18 years as a Principal Broker at Pro-Lending Mortgage Brokerage.

There is no one-size-fits-all mortgage solution.

A first-time home buyer has very different needs from a self-employed business owner. An investor purchasing another property requires a different strategy from someone approaching retirement. And a complex mortgage application may require considerably more analysis and planning than a straightforward renewal.

My job is to understand those differences and then determine the financing strategy, mortgage product and lender that may best fit your circumstances.

Financial Planning & Wealth Management Perspective

My experience extends beyond mortgage lending into financial planning and wealth management.

That broader background allows me to look beyond simply getting a mortgage approved. I can look at the overall financial picture, including cash flow, existing debt, assets, investments and longer-term financial objectives.

Where appropriate, I can also help clients understand how different financing strategies may interact with their broader financial and tax-planning considerations.

The objective is not simply to complete today’s transaction. It is to help you make an informed decision that makes sense within your overall financial picture.

Experience With Complex Financing

After decades in banking and mortgage lending, I’ve worked with clients across a wide range of circumstances, including:

First-time home buyers

Mortgage renewals and transfers

Refinancing and debt consolidation

HELOC and home-equity strategies

Self-employed and business-for-self borrowers

Real estate investors

Complex income and credit situations

Commercial and business financing

Construction and multi-residential financing

CMHC MLI Select financing

Some applications are straightforward. Others require a deeper understanding of lender policies, underwriting and how a deal should be structured.

That is where experience can make a significant difference

Today, I bring that experience to every client I work with.

My Approach Starts With Listening

When someone sits down with me, one of the first things I ask is:

“How can I help you?”

Then I listen.

Before I recommend a lender or mortgage product, I want to understand what you’re trying to accomplish, your income, your financial circumstances, your existing obligations and your longer-term goals.