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What Sets Us Apart

Toronto121 offers the best mortgage services tailor-made for the needs and demands of its customers. Take a look!

Home Purchase Mortgage

It is one of the most common forms of debt, and also one of the most advised. Read on to find out more about Toronto121 Home Purchase Mortgage Services.

Mortgage Renewal

When your mortgage term expires before you complete your mortgage repayments, it is considered a wise move need to renew that mortgage for at least one more term.

Mortgage Refinancing

The process of paying the existing mortgage and/or any other legal claims against the property and replacing it with a completely new mortgage.

Home Equity Loan

While you take a home equity loan after you have equity in the property, a traditional mortgage usually involves a mortgage to purchase the property.

Glossary of Terms

Before applying for a mortgage it is essential to know the basics and your financial conditions. Get familiar with the technical terms related to mortgage.

Reverse Mortgage

You feel free, clear and strong about some dreams that you’d like to start to fulfill. The professionals at Toronto121 Mortgage will sit with you!

Why Choose Toronto121

A great mortgage solution not only fulfils all your current financial requirements but equally ensures that you are not further burdened with any hefty payments. We at Toronto121 Mortgage are renowned for our lowest rates in the market, making sure that your next mortgage payment is well within your means.

Mortgage Calculators

Toronto 121 helps you to calculate, manage and monitor your finances and mortgage plans efficiently.

Mortgage Qualifier

  • How to determine whether or not you can qualify for a home mortgage or not based on your income and expenses?

Purchase Financing

  • A mortgage issued to the borrower by the seller of a home as part of the purchase transaction is defined as a purchase-money mortgage.

Payment Analyzer

  • This page helps you determine and manage your mortgages based on your amortization frequency, payment period, interest rate etc.

What Our Clients Say


We are very satisfied with our mortgage we received from Northwood Mortgage and have you to thank for it. You went out of your way to find and finalize the mortgage that was best suited for us.

- Emil Setareh

Words can not describe the level of gratitude we have for our incredible mortgage worker. Nirvina went above the required and beyond. She became a friend ,someone to trust. During these tough times it was hard enough to get an approval but thanks to Nirvina, the process was easier and more reliable. We love our new home and have her amazing people skills and experience to thank for. We will never forget all her efforts and we will always be grateful.

- Adriana

Hi Nirvina, Thank you so much for the time and effort you have taken in helping me better my financial outlook. You were available when I needed you and even went beyond to get my refinancing done quickly. I appreciate all of your help and can now breathe a lot easier in regards to financial matters. Thank you so much.

- Manique Hermoso

On behalf of my family I wanted to thank you ever so much for your dedication, hard work, persistence and friendly demeanour throughout the process of our working relationship. We are forever thankful for all your efforts, and we hope that this will see you to taking some time off in the very near future to enjoy the fruits of your labour. All the very best and well keep in touch. Thanks,

- Maureen Taylor Origoni

Just wanted to say thank God that there is someone like you out there to help the average person. You have made the dream of home ownership a reality for us. After speaking with other mortgage specialists and seeing what they had to offer and the promises that they could not fulfill we were somewhat dismayed. But once we sat with you and had a written pre-approval in our hands literally within a couple of hours we were thankful. We are recommending our friends and relatives to you for their mortgage needs. Keep up the good work and thanks again. Ps. You have a standing to our first barbecue.

- Robert and Michelle Gallimore

Dear Nirvina, I hope you are doing great. We have moved in our new home and are trying to settle in. I have mentioned it before and also would like to stress on the fact as how instrumental you were for that to happen. Isha and I would like to thank you for all you have done for us. I never had a feeling that I was only a client for you and with the personal touch you had it was an icing on the cake. I appreciate the passion and dedication you have towards your clients and would always recommend your advice for any of my family friends and relatives. Thank you very much for all you have done. Regards Ameet Pradhan Executive Chef, Canada York Central Hospital ,

- SodexoAmeet and Isha Pradhan

Your Mortgage Broker

Your professional financial expert who has made Toronto121 the best of Mortgage firms in Canada today


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With several years of experience in the mortgage industry, I am well aware of what your requirements might be. Different people have different needs and hence, in an effort to serve you better, I provide customized solutions to assist you with your mortgage process. From refinancing an existing mortgage, buying a new home or commercial property, or making available ready cash for emergencies - whatever be your need - We have an answer.

Nirvina Shamshudin, AMP

Mortgage Broker

Tel: 416-817-0291


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Our strategic tie-ups enable us to offer a wide range of customized mortgage services at the best rates

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