Tissa Ratnayake
Existing home owners / First Time home buyers / investors
What I love about being a mortgage broker is that I’m not tied to a single bank. I can look across multiple lenders to find a solution that actually fits my client’s situation—whether they’re first-time buyers, self-employed, or going throu...
How to reach Tissa
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The story behind Tissa
What I love about being a mortgage broker is that I’m not tied to a single bank. I can look across multiple lenders to find a solution that actually fits my client’s situation—whether they’re first-time buyers, self-employed, or going through financial challenges. For me, it’s not just about getting a mortgage approved. It’s about helping someone move forward—buy their first home, invest in their future, or regain control of their finances. At the end of the day, I measure my success by how confident and comfortable my clients feel when they make one of the biggest decisions of their lives.
Client experience
What I love about being a mortgage broker is that I’m not tied to a single bank. I can look across multiple lenders to find a solution that actually fits my client’s situation—whether they’re first-time buyers, self-employed, or going throu...
Tissa's focus areas
I am specialized in First-time home buyers Self-employed clients New immigrants to Canada Investors (rental properties) Bad credit / private lendin
Communication style details are not listed on this profile yet.
Existing home owners / First Time home buyers / investors
Personal service notes are not listed on this profile yet.
re-financing and equity take out finding the best lender and the most suitable product
Core service values are not listed on this profile yet.
Coverage, availability, and process
Remote clients supported
Remote client support is available.
15+ years of experience • Programs covered: Fixed rate, Variable rate, Adjustable rate (ARM), Open Mortgage
Awards, licenses, and certificates
National Top 20 Best Achiever 2017 and 2018 and best 10 in Ontario
Licensed jurisdiction
Programs, language support, documents, and FAQ
- ✓ID -Driver’s license or passport
- ✓Income verification- Recent pay stubs (last 2–3) Employment letter (position, salary, length of employment) T4 slips (last 2 years) Notice of Assessment (NOA) from Canada Revenue Agency (last 2 years
- ✓For Self Employed -Last 2 years NOA from Canada Revenue Agency T1 General tax returns (last 2 years) Business financial statements Business license / registration (if applicable)
- ✓Other income-Rental income (lease agreements) Child support / alimony documents Pension income statements
- ✓Down Payment -Bank statements (last 90 days) Investment statements (RRSP, TFSA, etc.) Gift letter (if down payment is gifted) Proof of sale (if funds coming from another property)
- ✓Property Documents-Agreement of Purchase and Sale MLS listing (if applicable) Property tax details Condo documents (if buying a condo)
- ✓Debts and Liabilities -Equifax/ Transunion credit reports