First-Time Buyers
A real walkthrough of pre-approval, down payment strategy (FHSA, RRSP HBP, gifted funds) and closing costs, so nothing catches you off guard.
Synergy Mortgage Group · Lic #13172
Your mortgage, done right. No runaround.
I'm Raffi Kaloustian, a licensed mortgage agent in Hamilton helping buyers, movers and renewers across Ontario find a mortgage that actually fits. Not just the first offer that lands in your inbox. Access to 50+ lenders, real answers, and a plan built around your budget.
The more Raffordable way to a mortgage.
50+
Lender network
Level 2
Licensed Mortgage Agent
M16000957
FSRA License #
✓
Pre-Approved
in as little as 24 hrs
Purchases
Refinances
Renewals
Self-Employed
Investment Properties
First-Time Buyers
Try it yourself
What could your payment look like?
A real Canadian mortgage calculation, semi-annual compounding included. Your actual numbers depend on your full application, but this gives you a starting point.
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Estimated monthly payment
$0/mo
Mortgage amount$0
CMHC insurance (est.)$0
This is an estimate only, not a rate quote or pre-approval. Actual payment depends on your full application, product and lender.
Get my real numbersHow I can help
Whatever you're doing with your mortgage, I've got you
Whether you're buying your first home or renewing your fifth, I'll shop your rate across dozens of lenders so you don't have to spend your weekend doing it yourself.
Renewals & Refinancing
Don't auto-renew at your bank's posted rate. I'll compare the market and negotiate on your behalf before you sign anything.
Self-Employed
Access to lenders who actually understand variable income, business owners and contractors. No runaround.
Investment Properties
Financing strategies for rental and investment purchases, structured to support your long-term portfolio.
Debt Consolidation
Roll high-interest debt into your mortgage and free up monthly cash flow with a plan built around your goals.
Pre-Approvals
Know your budget before you shop. Get a same-week pre-approval so you can make offers with confidence.
Commercial & Multi-Unit Financing
CMHC insured financing for apartment and multi-unit buildings
Commercial mortgages and CMHC multi-unit financing across Ontario. Purchases, refinances, and renewals for apartment buildings, mixed-use properties, and multi-unit residential deals, structured properly the first time, not bounced between departments.
- CMHC insured multi-unit financing. Purchase, refinance, or construction take-out.
- Apartment and mixed-use buildings. 5+ unit residential and commercial-residential mix.
- Commercial mortgage renewals. Compared against the market before you sign your bank's offer.
About Raffi
Hamilton born, licensed since 2016, still picking up the phone.
I work as an independent mortgage agent with Synergy Mortgage Group, which means I'm not stuck pushing one bank's rate. My job is to compare the market for you and build a mortgage around your actual situation, whether that's a first home, a renewal, or an investment purchase.
I keep it simple. We talk about what you're actually trying to do, I break everything down in plain English, and you make the call. No jargon. No runaround.
- Direct access to me. Call, text or email, no call centres.
- Rate comparisons across 50+ lenders, including banks, credit unions and monolines.
- Extra care for first-time buyers. It's usually where I get the best feedback.
From the feed
Real questions, answered on camera
A few honest, no-fluff explainers Raffi's already posted. More like this on @raffinances.
The process
Three steps to your mortgage
1
Book a call
Free call, real talk. We go over your goals, timeline and budget so I know what I'm working with.
2
Get your options
I take your file to my lender network and bring back real numbers, not just a rate sheet.
3
Close without the headache
I stay on top of your lender, lawyer and realtor so closing day is boring. In a good way.
What clients say
Backed by a 5.0 rating on Google
Raffi works out of Synergy Mortgage Group's Hamilton office, rated 5.0 out of 5 across 944 Google reviews.
5.0
944 Google reviews
Read reviews on Google
Great service and experience from start to finish.
I recommend their services for any family trying to get a new home.
Each and every transaction is always processed in an extremely timely manner.
Pulled from Synergy Mortgage Group's public Google Business profile.
Common questions
Frequently asked questions
Does it cost anything to work with you?
In most cases, no. I'm typically paid by the lender once your mortgage closes, so my advice and rate comparisons don't cost you anything.
How long does a pre-approval take?
Most pre-approvals get done within 24 to 48 hours once I have your documents, so you can shop with confidence.
Can you help if I'm self-employed?
Yes. I work with lenders who actually understand self-employed and variable-income applicants.
My renewal is coming up, can you help?
Absolutely. Reach out 3 to 4 months before your renewal date and I'll compare your options before your bank sends its offer.
Get started
Let's talk numbers
Fill out the form and I'll get back to you within one business day. Or skip ahead and book a time directly on my calendar.