THE PROCESS
Our 5-Step Mortgage Journey
01
Discover Call
We start with a friendly chat about your goals, your current situation, and any questions on your mind. No pressure. Just clarity.
02
Pre-Approval Confidence
Know exactly what you can afford before you shop. We’ll run the numbers, check your eligibility, and get you mortgage-ready.
03
Tailored Mortgage Match
We sift through the lenders, terms, and options to find what suits your lifestyle best - whether you want the lowest rate or the most flexibility.
04
Stress-Free Application
Apply with ease using our secure app! No confusing paperwork, no guesswork. Just a simple, step-by-step process you can complete anytime, anywhere. I'm here if you need me, every step of the way.
05
Keys (and peace of mind) in hand
I'll stay with you all the way to closing - and beyond. You’re not just getting a mortgage. You’re getting a long-term partner in your financial journey.
ABOUT
All about
Our Lender
Hi, I’m Paul Malandrino, a dedicated mortgage agent proudly serving Vaughan and the surrounding Ontario communities.
With over 30 years of business experience and a deep understanding of what real people need. I know how overwhelming mortgages can feel - the rates, the approvals, and fine prints.
That's why I created Our Lender. To make mortgages simple, honest, and stress-free.
Whether you’re buying your first home, refinancing to breathe easier, or just need straight answers, I’m here to guide you every step of the way.
This isn’t just another mortgage website. It’s your personal connection to someone who cares about your goals - not just your application.
✅ You’ll find tools here to apply, get pre-approved, and download my app.
✅ You can contact me directly any time — no gatekeepers, no gimmicks.
✅ And every offer I make is grounded in real-world advice, not bank scripts.
Let’s make your next move a smart one — together.
So happy you're here!
- Paul Malandrino
Mortgage Agent | FSRA #M25000307
The Mortgage Centre / GNE Mortgages
📲 416-891-8684
📧
APPROACH
My goal is to make mortgages feel simple, personal, and empowering-guiding you with honesty, care, and clarity through every step of your home journey.
Welcome to Our Lender - personalized mortgage guidance without the pressure. I’m here to make financing feel simple, honest, and tailored to you.
BENEFITS
Why work with me?
Mortgages made
Personal
Tailored solutions that fit
your life - not the banks.
Clarity over
Confusion
Simple, honest guidance so you always know what's next
Support that
sticks
You'll never feel alone - I'm here through every decision, every question, every step.
TESTIMONIALS
What our clients are saying
I had no idea where to start, but Paul made everything clear and stress-free. I felt supported from the first call to getting the keys.
Giulia Romano
Every question I had was answered with patience and honesty. It felt like I had a real teammate in my corner the whole time.
Sungwoo Choi
This wasn’t just a mortgage—it was a full experience of feeling understood, heard, and genuinely cared for. I’ve already recommended Paul to my family and friends.
Lauren Mitchell
FAQ
You're probably
wondering...
-
How much do I need for a down payment?It depends on the property price and your situation, but many buyers can purchase with as little as 5%. I’ll walk you through your options and what works best for you.
-
How much land transfer tax will I pay in Ontario?In Ontario, land transfer tax is based on the purchase price of your home. First-time buyers may qualify for a rebate of up to $4,000. If you’re buying in Toronto, there’s a municipal land transfer tax as well. Don’t worry - through my app it easily calculates it for you and explains it in plain English!
-
What’s the minimum down payment in Ontario?For homes under $500,000, the minimum down payment is 5%. I’ll help you figure out exactly what you’ll need-and how to get there comfortably.
-
What’s the typical closing timeline in Ontario?Most deals close in 30 to 90 days, depending on your offer and lender. Once you’re pre-approved, I’ll help you stay on track so everything moves smoothly from accepted offer to moving day.
-
Do I need a pre-approval before house hunting?Yes! Getting pre-approved helps you understand your budget, makes you a stronger buyer, and speeds up the process when you’re ready to make an offer. It’s your first step toward buying with confidence.
-
I’m self-employed. Can I still get a mortgage?Absolutely. I work with lenders who understand self-employed income, and I’ll help you gather the right documents to make your case strong.
-
Do I have to pay CMHC insurance in Ontario?If your down payment is less than 20%, yes you’ll need mortgage insurance (usually through CMHC or another insurer). This protects the lender, not you, but I’ll show you how it affects your monthly payment and what your options are.
-
How do I add a new question & answer?To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.
-
How do I edit or remove the 'Frequently Asked Questions' title?You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
-
Can I insert an image, video, or GIF in my FAQ?Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.
