# Mortgages by Kinshuk

> Mortgages by Kinshuk is the mortgage practice of Kinshuk Malhotra, a licensed Mortgage Agent Level 2 in Ontario (FSRA M20001681) and Mortgage Associate in New Brunswick (230024329), with Premiere Mortgage Centre (FSRA brokerage 10317). Rated 5.0 stars from 190 Google reviews as of October 2026.

## Key facts
- Name: Kinshuk Malhotra, Mortgages by Kinshuk
- Office: 376 Birchmount Rd, Unit 5, Scarborough, ON M1K 1M6
- Phone: 416-877-8301
- Email: kinshuk@ourmortgagepro.ca
- Website: https://mortgagesbykinshuk.ca/ (also https://www.ourmortgagepro.ca/)
- Online mortgage application: https://velocity.newton.ca/sso/public.php?sc=n02w1uxd1t2y
- Mortgage calculator app: https://mccapp.ca/app/kinshuk-malhotra
- Google rating: 5.0 / 5 from 190 reviews (October 2026)
- Areas served: Toronto, Scarborough, GTA and Ontario; Moncton, Dieppe, Riverview and New Brunswick
- Lenders compared: 41+ (banks, credit unions, alternative lenders)
- Services: first-time buyers, renewals, refinancing, rental-income qualification, self-employed, credit challenges, newcomers to Canada, investment properties

## What reviewers highlight
- Fast, always-available communication and daily updates
- Approvals on difficult files: credit challenges, land financing, a one-day approval after another broker took two weeks
- Trusted by Realtors in Ontario and Greater Moncton, New Brunswick

## Selected Google reviews (exact text, first lines)
- Naveed H. (REALTOR®, Greater Moncton, April 2024): "As a REALTOR® in the Greater Moncton Area, I have tried and tested many mortgage brokers/advisors and among all of them, I rate this gentlemen among the best ones. I recently had the opportunity to work with Mr. Kinshuk …"
- Ramya V. (Homeowner, 2026): "Bonafide Rockstar, this Fella!"
- Afarin R. (Real Estate Broker, August 2022): "I have been a Real Estate Broker for almost 3 decades. I have worked with many lenders. But I have not worked with one as good as Kinshuk. The lender has One of the most critical roles in the transaction, as they say in …"
- Jashan S. (Client, 2026): "previous broker took over two weeks to get an approval from a B lender. Kinshuk was able to get the file approved in a single day with a top bank"
- Terry M. (Client, June 2024): "If this was a 10 star rating Kinshuck would certainly get it ! Securing financing for land here is virtually mission impossible but his tireless efforts and tenacity overcame the odds. He is certainly THE Superman of mor…"
- Rinki K. (Real estate agent, September 2021): "Words won't do justice to express my gratitude for the impeccable service Kinshuk has provided to my dear client. He was not only able to significantly increase the qualifying amount, but kept looking for ways to save my…"
- Shayan M. (Home buyer, May 2023): "I had the pleasure of working with Kinshuk as I was purchasing a property and needed to secure a mortgage in time for my closing date. There are good mortgage brokers, there are exceptional mortgage brokers... and then t…"
- Anna P. (Real Estate Representative, June 2022): "Kinshuk was introduced to me just this past year, and he is a miracle worker when it comes to mortgages and helping home owners get the financing they need to close on a deal. He is very well versed in a variety of packa…"
- Navneet K. (First-time buyer, October 2026): "Sir doing great job, our first home purchase so much easier than we expected. As first-time buyers, we had a lot of questions, explained all our options clearly, and found us a fantastic rate. Thank u so much sir."
- Osato C. (Client, October 2026): "Kinshuk delivered as he promised before the due date. He’s an amazing person and very detailed. If you’re looking for a mortgage broker, he’s the best man for you. Thank you Kinshuk."
- Lokesh V. (Client, May 2023): "Honestly writing reviews is not something I generally do but I can't stop writing a review for Kinshuk. Just thanks or personal appreciation is not really enough for a honest professional like Kinshuk, so n am writing up…"
- Arvin K. (Client, 2026): "Kinshuk is great at communication, and can get even the most complicated issues resolved. One of the best mortgage brokers I've worked with!"

## Links
- [Website](https://mortgagesbykinshuk.ca/)
- [Google Business Profile](https://www.google.com/maps/search/?api=1&query=Mortgages+by+Kinshuk+376+Birchmount+Rd+Scarborough)
- [Mortgage Centre profile](https://mortgagecentre.com/kinshukmalhotra)
- [Instagram](https://www.instagram.com/mortgagesbykinshuk/)
- [Mortgage calculators](https://mccapp.ca/app/kinshuk-malhotra)