Your Mortgage Lifeline

03:05 22 Apr 26

Just excellent, highly-qualified. Thank you

03:05 22 Apr 26

Just excellent, highly-qualified. Thank you

16:08 18 Mar 26

5-Star Client Review for Suman Shahi at sHelto Mortgages
Suman at sHelto Mortgages provided exceptional support throughout our entire mortgage journey, handling every process with professionalism and care. From initial documentation to securing a better rate, his expertise ensured we closed the deal on time and received our commitment well within the conditional term.
He patiently explained all terms and conditions in simple language, making complex details easy to understand. Suman also offered valuable guidance on future financial plans, aligning perfectly with our goals as homeowners in the Greater Toronto Area.
We highly recommend Suman Shahi and sHelto Mortgages for anyone seeking reliable, efficient mortgage services in Ontario.

16:08 18 Mar 26

20:49 21 Jan 26

Highly recommend Shelto Mortgages. Mr. Suman Shahi provided clear advice and excellent service. Mr. Shahi was proactive, transparent, and delivered exactly what was promised.

20:49 21 Jan 26

Highly recommend Shelto Mortgages. Mr. Suman Shahi provided clear advice and excellent service. Mr. Shahi was proactive, transparent, and delivered exactly what was promised.

04:46 20 Jan 26

I had an excellent experience working with Shelto Mortgages (Mr. Suman Shahi), for my mortgage. From start to finish, Mr. Shahi was extremely knowledgeable, responsive, and supportive.
What truly stood out was his honesty, professionalism, and commitment to getting the best possible solution for my needs. He was proactive at every step and made the entire mortgage process seamless. I highly recommend Shelto Mortgages and Mr. Shahi to anyone looking for trustworthy and expert mortgage advice.

04:46 20 Jan 26

01:58 30 Dec 25

Very good service, very nice workplace

01:58 30 Dec 25

Very good service, very nice workplace

Khalid Raza

22:29 23 Dec 25

I had an excellent experience with Shelto Mortgage. Viraj and Furqan were very professional, knowledgeable, and supportive throughout the process. They handled everything smoothly and made the mortgage process stress-free. I truly appreciate their dedication.

Khalid Raza

22:29 23 Dec 25

Paul Salisbury

21:19 06 Dec 25

Working with Shelto Mortgages was an exceptional experience from start to finish. Rajan Sharma provided expert guidance, clear communication, and a level of professionalism that truly stands out in the industry. He carefully evaluated our needs, presented the best mortgage options, and ultimately secured an unbeatable mortgage rate that exceeded my expectations.

The entire process was smooth, efficient, and completely stress-free. If you want trusted advice, dedicated support, and the confidence of knowing you’re getting the best possible rate, Rajan Sharma of Shelto Mortgages is the person to go with. Highly recommended!

Paul Salisbury

21:19 06 Dec 25

Kumarie shivgobin

22:55 05 Dec 25

Absolutely the best mortgage service I’ve ever experienced!
Rajan Sharma of Shelto Mortgages along with mentor Mandy made the entire process smooth, transparent, and stress-free. They took the time to understand our needs, explained every option clearly, and worked tirelessly to secure the best mortgage rate available. Their responsiveness and expertise truly set them apart from others.

If you’re looking for excellent service, honest advice, I highly recommend Rajan Sharma of Shelto Mortgages. They go above and beyond!

Kumarie shivgobin

22:55 05 Dec 25

viraj joshi

20:42 30 Oct 25

Working at Shelto Mortgage has been an incredibly rewarding experience. As a mortgage agent here, I’m proud to be part of a team that truly puts clients first. The leadership is supportive, the tools and training are top-notch, and there's a strong culture of integrity and collaboration. Whether you're a first-time homebuyer or refinancing, I can confidently say we go above and beyond to find the best solution for every client. If you're looking for a trustworthy, client-focused brokerage—or thinking of joining the team—I highly recommend Shelto Mortgage.

viraj joshi

20:42 30 Oct 25

Mista Benz

15:54 19 Dec 24

Very professional. Great experience dealing with Furqan Iftikhar. He is very helpful and makes the process very easy to make your deal successful.

Mista Benz

15:54 19 Dec 24

Very professional. Great experience dealing with Furqan Iftikhar. He is very helpful and makes the process very easy to make your deal successful.

14:41 18 Dec 24

Had a pleasure working with sHelto Mortgage during the home buying process. Furqan Iftikhar provided support each step of the way, from initiation to loan closure. Would highly recommend their services for home buyers.

14:41 18 Dec 24

11:51 18 Dec 24

Suman is very knowledgeable with mortgage products and guide his clients thoroughly with his experience in the process of mortgage approval from lenders .

11:51 18 Dec 24

Suman is very knowledgeable with mortgage products and guide his clients thoroughly with his experience in the process of mortgage approval from lenders .

05:20 18 Dec 24

Had a great experience with them specially Furqan he treats you like a family not a client.

05:20 18 Dec 24

Had a great experience with them specially Furqan he treats you like a family not a client.

04:51 18 Dec 24

Very professional and knowledgeable team to work with. Absolutely recommend.

04:51 18 Dec 24

Very professional and knowledgeable team to work with. Absolutely recommend.

Rajiv Arora

03:51 15 Dec 24

Shelto is a MUST go place to get solutions for your financing challenges whether it is mortgage, heloc, last minute rush . You will experience a knowledge powerhouse with a focus to share and explore every possible solutions . Staff, Agents and Principal broker always available to answer your concerns and love to go Extra Mile for their valued client to find perfect option for clients. If you wish to join as Mortgage Agent then this is the place to equip yourself with all tools and resources to surf the challenges of mortgage industry. Highly recommended.

Rajiv Arora

03:51 15 Dec 24

Chetan Ananthula

14:56 01 Nov 24

Me & my wife, we recently had the pleasure of working with Mandy as my mortgage agent, and I couldn’t be more grateful for her exceptional service and expertise. From the very beginning, Mandy took the time to understand my financial situation, future goals, and all the nuances that come with securing a mortgage. She patiently guided me through every step of the process, answering all my questions in detail and ensuring I felt comfortable with each decision.

Chetan Ananthula

14:56 01 Nov 24

Priyamsha Padiga

14:53 01 Nov 24

Working with Mandy was not only a professional experience but also an emotional relief. Her warmth, patience, and expertise helped ease the stress of the mortgage process. She truly cared about my needs, taking time to explain every detail and finding options that perfectly suited my situation. Mandy’s dedication and professionalism made me feel supported and confident from start to finish. I couldn’t recommend her more highly—she’s the kind of agent who goes above and beyond, both personally and professionally

Priyamsha Padiga

14:53 01 Nov 24

Narasimha Velichety

00:02 31 Aug 24

I had an incredible experience working with sHelto. They made the entire mortgage process smooth and stress-free. Their team is knowledgeable, responsive, and truly dedicated to finding the best rates and terms for their clients. I couldn’t be happier with the service I received!

Narasimha Velichety

00:02 31 Aug 24

Moe MOE

23:53 29 Aug 24

Great service, Mohsin and Furqan helped me with my refinance and buying an investment property. Mohsin is very dependable ,easy to get a hold of and patient. He made this stressful process very easy-going for me. although I had many questions, He always carved out time to answer all of my questions and explained why. I was very hesitant at first to go with these guys however, now I am glad I did and I met Mohsen. I truly believe these guys can help anybody in any situation for their mortgages. They became a one stop shop for me. I did not have to contact anybody. They did all the work for me. I highly recommend Mohsen. ThankYou guys for helping me in this process two thumbs

23:53 29 Aug 24

5.0

04:46 20 Jan 26

01:58 30 Dec 25

Very good service, very nice workplace

22:29 23 Dec 25

21:19 06 Dec 25

22:55 05 Dec 25

20:42 30 Oct 25

15:54 19 Dec 24

Very professional. Great experience dealing with Furqan Iftikhar. He is very helpful and makes the process very easy to make your deal successful.

14:41 18 Dec 24

11:51 18 Dec 24

Suman is very knowledgeable with mortgage products and guide his clients thoroughly with his experience in the process of mortgage approval from lenders .

05:20 18 Dec 24

Had a great experience with them specially Furqan he treats you like a family not a client.

04:51 18 Dec 24

Very professional and knowledgeable team to work with. Absolutely recommend.

03:51 15 Dec 24

14:56 01 Nov 24

14:53 01 Nov 24

00:02 31 Aug 24

23:53 29 Aug 24

Our Lender Partners

Enabling you with 35+ Trusted A, B, and Alternate Lenders – Personalising Your Financing Journey!

How it Works

Fill out a short application

Phone consultation and application assessment

Application submission and approval

Not sure about your goals?

Our experts can help you define & achieve your goals

Know which mortgage suits you?

Our experts can help you define & achieve your goals

Our Rates

3-Year Fixed Rate

Insured Mortgage

3.99%

5-Year Fixed Rate

Insured Mortgage

3.79%

5-Year VRM Rate

Insured Mortgage

3.60%

E&OE, O.A.C. T&C Apply
Rates are subject to change without prior notice

The sHelto Advantage

Leveraging our extensive industry knowledge and strong lender relationships

Help you identify best mortgage options

Guide you through end to end process

We deliver On-time closings for your goal

sHelto Varsity

The knowledge hub for borrowers, offering valuable insights and resources to
make informed mortgage decisions with confidence.

How to Navigate the Mortgage Process as a Self-Employed Individual

June 25, 2026

As a self-employed individual, applying for a mortgage can seem daunting due to the different

The Difference Between Mortgage Pre-approval and Pre-qualification

June 25, 2026

When you’re starting the home-buying process, you’ll likely encounter two terms: mortgage pre-qualification and pre-approval.

New Mortgage Reforms in Canada: What Homebuyers Need to Know

June 22, 2026

The Canadian Federal government has passed some significant mortgage reforms in recent times. This will

The First-Time Homebuyer’s Guide to Understanding Mortgages

June 22, 2026

Purchasing your first home is an exhilarating journey, but it can also be overwhelming without

Reviews & recommendations

Praise Pour In : Clients Share Their Delightful Experiences and Stellar Recommendations

sHelto Mortgages

5.0

03:05 22 Apr 26

Just excellent, highly-qualified. Thank you

03:05 22 Apr 26

Just excellent, highly-qualified. Thank you

16:08 18 Mar 26

16:08 18 Mar 26

20:49 21 Jan 26

Highly recommend Shelto Mortgages. Mr. Suman Shahi provided clear advice and excellent service. Mr. Shahi was proactive, transparent, and delivered exactly what was promised.

20:49 21 Jan 26

Highly recommend Shelto Mortgages. Mr. Suman Shahi provided clear advice and excellent service. Mr. Shahi was proactive, transparent, and delivered exactly what was promised.

04:46 20 Jan 26

04:46 20 Jan 26

01:58 30 Dec 25

Very good service, very nice workplace

01:58 30 Dec 25

Very good service, very nice workplace

22:29 23 Dec 25

22:29 23 Dec 25

21:19 06 Dec 25

21:19 06 Dec 25

22:55 05 Dec 25

22:55 05 Dec 25

20:42 30 Oct 25

20:42 30 Oct 25

15:54 19 Dec 24

Very professional. Great experience dealing with Furqan Iftikhar. He is very helpful and makes the process very easy to make your deal successful.

Mista Benz

15:54 19 Dec 24

Very professional. Great experience dealing with Furqan Iftikhar. He is very helpful and makes the process very easy to make your deal successful.

14:41 18 Dec 24

14:41 18 Dec 24

11:51 18 Dec 24

Suman is very knowledgeable with mortgage products and guide his clients thoroughly with his experience in the process of mortgage approval from lenders .

11:51 18 Dec 24

Suman is very knowledgeable with mortgage products and guide his clients thoroughly with his experience in the process of mortgage approval from lenders .

05:20 18 Dec 24

Had a great experience with them specially Furqan he treats you like a family not a client.

05:20 18 Dec 24

Had a great experience with them specially Furqan he treats you like a family not a client.

04:51 18 Dec 24

Very professional and knowledgeable team to work with. Absolutely recommend.