Sayed Najibi MortgagesSayed NajibiEarn Trust Before BusinessGet Pre-Approved

Your home and your mortgage — one team, one simple process.

Share your details once. Sayed Najibi's team handles the home search and the financing together — turning a fragmented process into one stream, with real numbers so you can decide right away.

Quick affordability check
Estimated max home price—
See which lenders would approve you — 2 min →
1,000+Deals funded
$700M+Funded by the team
30+Lender partners
24hrTypical pre-approval turnaround
8Free calculators, no email required
All in one place

One stop for real estate and mortgages

Buying a home usually means juggling a realtor, a mortgage broker, and a bank — each asking for the same paperwork. Here it's one team and one conversation, start to finish.

Share onceTell your story one timeNo repeating your details to a realtor, then a bank, then a lender. Share your information once and the whole team works from the same file.
One teamReal estate + mortgage, togetherThe home search, the financing, and the closing are handled by one team that talks to each other — not three offices you have to coordinate yourself.
One streamA fragmented process, made simpleOne stream instead of three offices saves you weeks and eliminates the stress of chasing updates. You see the whole journey with your team — so you know exactly what you're getting, at every step.

“Real estate and mortgage expertise in one channel — so you save time, get the information you need, and plan your next move efficiently and with confidence.”— Sayed Najibi

The Pre-Approval Engine

Every other site gives you a payment figure. This one runs the actual adjudication — debt-service ratios, the federal stress test, loan-to-value, credit and income type — and tells you which tier of Canadian lender would approve you, at what amount, and exactly what is holding your number down.

—  Four lender tiers scored against your actual numbers—  Self-employed, commission and newcomer income handled properly—  A ranked list of what would raise your approval amount—  No credit check, no email gate, nothing submitted
Sample output
A-Lenders (major banks)Up to $712,000
Likely approved
BC Credit UnionsUp to $784,000
Likely approved
B-Lenders (alternative)Up to $640,000
Borderline
Private lenders & MICsNot needed
Skip

Built differently, for how you actually decide

TransparentReal rates, right nowNo teaser rates or gated quotes — see current term-by-term pricing on the Rates page before you talk to anyone.
Plain languageNo jargon, everStress tests, CMHC insurance, GDS/TDS — explained the way you would explain it to a friend.
FastPre-approval in a daySelf-serve calculators first, then a focused call — most clients have a pre-approval within 24 hours.

Eight calculators, zero email gates

See all calculators →
CalculatorMortgage PaymentSee your monthly payment by rate and amortization.CalculatorDown Payment & CMHCSee if you need mortgage insurance and what it costs.CalculatorRefinance & RenewalSee what switching rates saves before you renew.CalculatorSelling: Net ProceedsSee what you keep after commission, payout and penalty.

What clients say

“Ruby helped us secure the best mortgage available for our first home. She was incredibly supportive, responsive, and knowledgeable throughout the entire process.”
Reza M.First-time buyer · Google review
“We bought our first home with Sayed who was highly recommended to us. We initially went to his mortgage and homes seminar and it convinced us to finally invest in our first home. He met with us and personalized our experience while home hunting.”
Joanne L.First home purchase · Google review
“I had an excellent experience working with Ruby. She not only presented great options but she took care in understanding my personal situation and financial goals. Ruby is highly responsive, and diligent - I highly recommend her professionalism and expertise!”
Shafraz A.Mortgage client · Google review
“Ruby was an absolute pleasure to work with on my mortgage. She genuinely cared, kept me informed every step of the way, and made the whole process feel easy and stress-free.”
Nabeel Z.Mortgage client · Google review

Ready to see real numbers, not a rate teaser?

A 15-minute call with Sayed gets you a clear picture of what you qualify for and what it will actually cost.

Book a free consultation