About Newcastle Financial
Your Home. Your Family. Your Future.
All Under One Roof.
Why Newcastle Financial Exists
Buying a home is one of the most exciting moments of your life — but let's be honest, it can also be one of the most stressful. You deserve a team that doesn't just find you a great rate and disappears. You deserve a team that stays until your family is truly protected.
We're a full-service mortgage brokerage serving Ontario — but we're not like other brokerages. We take a holistic approach to homeownership because we understand something most people overlook: the day you sign those papers, you're not just acquiring your greatest asset — you're also taking on the biggest liability of your lifetime.
That's why we don't just do mortgages. We also offer personal life insurance — so your mortgage and your protection live under one roof. We don't consider a transaction fully closed until you and your family are fully taken care of.
The Newcastle Difference: Masterminds, Not Shortcuts
Here's what happens when you work with us: your file doesn't sit on one person's desk. Our team holds collaborative masterminds — strategy sessions where we put our heads together on your specific situation to find the perfect lender and the smartest path forward.
Holistic Approach
We don't just find you a rate and disappear. Mortgages and life insurance under one roof — because your family's protection matters as much as your rate.
Collaborative Masterminds
Your file never sits on one desk. Our team holds strategy sessions on your specific situation to find the perfect lender and the smartest path forward.
40+ Lenders
With access to over 40 lenders and 25+ years of combined experience, we fight for the best rate, the best terms, and the best outcome for you.
Client-First
We treat every file like it's the most important one on our desk — because to you, it is. We stay in your corner from the first call to long after closing day.
Who We Serve
Whether you're a first-time homebuyer feeling overwhelmed, a seasoned investor looking for your next opportunity, or a homeowner ready to refinance — we simplify every step, answer every question, and stay in your corner from the first call to long after closing day.
First-Time Homebuyers
Step-by-step guidance from pre-approval through closing day. We help you navigate government programs, down payment options, and first-time buyer incentives.
Residential Mortgages
Purchase financing for houses, condos, and townhomes across the GTA. Fixed, variable, and hybrid rate options from 40+ lenders.
Commercial Mortgages
Financing for multi-unit residential, retail, office, industrial properties, land acquisition, and construction projects.
Mortgage Renewal
Don't just sign your bank's renewal letter. We shop 40+ lenders to find you a better rate and terms — often saving thousands.
Mortgage Refinancing
Lower your rate, consolidate debt, access home equity, or restructure your payments. We find the right refinancing solution for your goals.
New to Canada Mortgages
Specialized programs for permanent residents, work permit holders, and newcomers — even without Canadian credit history. Multilingual support available.
Self-Employed Mortgages
Specialized programs for business owners, freelancers, and contractors. Stated income and alternative documentation solutions that work with non-traditional income.
Bad Credit Mortgages
Approval options for credit scores as low as 500. We connect you with lenders who look beyond your credit score to approve your mortgage.
Debt Consolidation
Roll high-interest credit cards, car loans, and lines of credit into your mortgage at a fraction of the rate — simplify payments and save thousands.
Mortgage Pre-Approval
Get pre-approved in as little as 24-48 hours. Know your budget, lock in your rate, and shop with confidence.
Mortgage Agents & Brokers
We'll give you the mentorship, the tools, and the culture to help you build something meaningful.
Real Estate Agents & Partners
Professional partnership program with pre-approval tools, co-branded marketing support, and fast turnaround times to help you close deals faster.
5.0 on Google · 65+ Five-Star Reviews
What Our Clients Say
“Randall was super helpful in the mortgage process for my first property. He helped get the best rate possible, saving my time in doing the research. Communication was top tier as I could reach out at a moments notice and get the help I needed. I definitely recommend Newcastle Financial for anyone's mortgage needs.”
Sumit Mistry
Google Review
“Amit is the best!!! His dedication and care are unmatched. He genuinely wants the best for his clients. We had a complicated situation, but he patiently worked and guided us through every detail to help us secure the right mortgage.”
Haripriya Ramshankar
Google Review
“I've had a great experience working with Amit Mistry as one of my mortgage partners from New Castle. He's knowledgeable, responsive, and truly takes care of the clients I send his way. Communication is always clear.”
Raquel
Google Review
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Welcome to Newcastle Financial. Let's Build Your Future Together.
If you're a client: we'll treat your file like it's the most important one on our desk — because to you, it is. We'll fight for your rate, protect your family, and walk beside you every step of the way.