Mortgage AgentAryan KaliwalLocation WhitbyLicense M19000211Phone (647) 209-2792Fax (416)
A Mortgage Professional That Cares!


Hello and welcome to my page! Please take this opportunity to explore and learn as much about how you can benefit from my services and that of Pegasus Lending as a whole! There are a great deal of details involved in a mortgage. Many people are unaware that there are professionals in the industry who are on the consumer's side. We are such professionals. I hope to speak to you soon!

Professional Experience

If there is one thing I always want my clients to take away from our experience working together is the sense of reliance. I have the knowledge and the means of providing you with suitable mortgage options whether you are a first time home buyer, a repeat buyer or an investor. Not only do I share my insight about successful mortgage routes, I also help those who have credit challenges or have been declined by the banks. Having graduated from University of Toronto with Project Management qualification, my skills in client management has enabled me to provide you with fiduciary duty. My goal is to get to know your mortgage needs, educate you about the available mortgage solutions and present you with suitable options for you to consider.


I enjoy spending time with my family and friends. Traveling to different countries and learning about their cultures has always been a big part of my life. I am also a big sports enthusiast and enjoy both playing and watching various sports. In order to stay on top of mortgage trends in Ontario and Canada, I regularly read the business section of newspapers and am a subscriber to the Canadian Mortgage Professional Magazine.


Aryan Kaliwal

Pegasus Company Profile

Our story began in a small area of Toronto, Canada. Our principal broker incorporated the company and opened its doors to the public in August 2008.

Credit Solutions

Credit does not have to be a hassle. Our professionals are committed. . .

Mortgage Solutions

When dealing with a bank you are only negotiating with one lender, and. . .

Secured Visa

Build or re-build your credit, even if you've had credit difficulties in the past. . .

Debt Consolidation

Being in debt can be overwhelming and may seem like the amount. . .

Investment Solutions

Private Mortgage Lending as an Investment vehicle is a very popular. . .

The Pegasus Story!

Our Mortgage Rates

Our story began in a small area of Toronto, Canada. Our principal broker incorporated the company and opened its doors to the public in August 2008. During that time, we were a one-person brokerage.

We had a tough beginning. In October 2008 Canada entered into an official recession which was led on by the Global Financial Market crash. However, that did not hinder our growth! We persevered through the dark days of the recession and started growing slowly and steadily.

Pegasus founders developed a business model based on providing professional and impartial advice to our clients. It is a business model which offers an excellent and ethical customer service experience. Our model grew based on strong support and training of our agents and staff. It developed further to ensure skilled and knowledgeable services are provided to our clients.

Over the years, Pegasus became a leader in the mortgage industry by providing proficient mortgage advice and financial solutions to our valuable clients.

Term Posted Pegasus
1 Year3.591.84
2 Year3.741.54
3 Year3.991.54
4 Year3.941.79
5 Year4.991.99
Variable Rate1.30
Home Equity Line Of Credit2.70
Prime Rate 2.45
Qualifying Rate5.25

Our Partners & Our Roots!

Pegasus has grown and established new, strong and lasting working relationships with our lending and business partners.

Today, our staff and agents continue to offer sound advice and keep their clients’ interest as first priority.

Proud Sponsor of

Applications Processed
Happy Customers
Combined years in business


Saves you time and Money - A One Stop Shop!

It could take weeks for you to organize appointments with competing mortgage lenders -- and we know you’d probably rather spend your time house-hunting! We work directly with dozens of lenders and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

Access to Lender Discounts and Promotional Rates & Industry advice

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.

We Negotiate For You with our knowledge and experience!

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you

Single Credit Check Means Less Hits On Your Credit!

We do a single credit check for you which we use to shop around with multiple lenders for you and obtain the best solution, ensuring your credit score is not negatively impacted by repeated credit checks by multiple lenders.

We work for you and not the bank

As independent mortgage brokers we're not tied to any lender or range of products. Our goal is to help you successfully finance your home or property. They do not work for any particular bank or lender. A branch officer has the interest of their institution at heart. We have our clients best interest at heart!

No cost to you

There's absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on our customers.

Preapproval Guaranteed and Same Day Preapprovals!

Whether you are shopping for a new home or deciding to refinance the existing home, we can help you shop for a preapproved mortgage which will lock the rate for a period of up to 120 days. Once we have met with you and reviewed your financial profile, we will forward your application to many lenders that will suit client preferences. Once we receive a commitment from the lender we can make an informed decision as to the product and rate.

Get a quote

Pegasus Mortgage helped me through a difficult financial situation. They are knowledgeable and sympathetic staff made the entire process a lot less stressful. I highly recommend them!

Bruno Kaminski
Pegasus Mortgage Lending Center Inc
Based on 78 reviews
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Noor Kharrat
Noor Kharrat
20:21 12 May 21
I worked with Ketul Patel and he helped me SAVE money! Not only that, he was... very patient and listened to all my concerns; he was available whenever I called him or texted him through Whatsapp and provided the best advice for me with no pressure what so ever. He explained to me every step on the way and even negotiated with big banks to provide me with an even better rate than advertised! If you you have any mortgage or refinancing needs, I highly suggest you work with more
Akhtar A.
Akhtar A.
16:37 05 May 21
Had the pleasure of working with Ishan Mody for a refinance deal and he was... awesome to work with. He told me everything upfront, kept me in the loop throughout the process and was very helpful when we ran into complications. Highly recommendedread more
Sachin Shah
Sachin Shah
00:16 02 May 21
Pegasus is having very good training modules and very good process for Mortgage... agents training and development. Staff is also very responsive and more
19:50 01 May 21
Administrative and backend support is very good. Very responsive in closing the... more
pedro speedway
pedro speedway
12:01 05 Apr 21
Good service very responsible easy to contact,very Professional I want to say... thank you to MR.RAZI for help me to buying new home very very nice man and helpful for every thing. Thank you one more time. GOD BLESS more
Luisa Cancelli
Luisa Cancelli
03:23 04 Mar 21
Love the help I receive. Great continuing education and knowledgeable team... leaders!read more
Sunny Hajatri
Sunny Hajatri
05:51 27 Feb 21
Very professional service Always give you right advice and help to get right... mortgage. Great serviceNeelu Hajatriread more
Tejas Shah
Tejas Shah
16:17 01 Feb 21
I have been with Pegasus for sometime and the Support, Training and Knowledge... Sharing is at its peak. Having an awesome experience working with them. Everything is so streamlined. Recommending to all to join more
Ab Sana
Ab Sana
20:05 25 Jan 21
If you need your mortgage done correctly and fairly then you should go to this... place the founder Razi is the best put my mind at ease the second I spoke to him and got me approved for the best rate given my circumstances thanks Pegasus Mortgageread more
Laura Smiley
Laura Smiley
11:40 25 Jan 21
I recently purchased another property and Anthony Basciano was my trusted... mortgage broker. His knowledge, insight, resourcefulness, professionalism, advocacy and understanding of how I wanted to approach this process were helpful and bar none. If you are considering buying a property, he is your guy. He secured me an all-time low rate and worked with me through the entire process. Thanks agent Bas!read more
22:09 22 Jan 21
I highly recommend Pegasus to anyone who is struggling to secure Mortgage... financing . Working with Baptiste Kagemana was awesome and I'm so grateful for everything .read more
Mervyn Angelo
Mervyn Angelo
00:12 19 Dec 20
Nick Patel is very professional in his work. He has satisfied my needs in... regards to my renewal. I would highly recommend him to anyone for his more
Robert Ryczak
Robert Ryczak
13:57 05 Nov 20
Very reputable and amazing at helping obtain a mortgage and rebuilding your... credit, no scams or gimmicks, very modest interest rate and fee, nothing like private lenders that can cost you an arm and a leg. The best decision we could have made working with them!read more
Babar Hamid
Babar Hamid
15:49 27 Aug 20
When I passed my exam, I was actively looking to join a brokerage. I... interviewed few brokerage firm and finally decided to work with Pegasus Mortgages. So far I see very Cooperative staff and helpful management team. I appreciate all management team and staff they are giving huge support.I personally Thank to all Pegasus team in advance!!!!read more
Tucker Bousquet
Tucker Bousquet
14:54 15 Aug 20
I have only recently started my career with Pegasus Lending but I can truly say... that it has so far been one of the best experiences an employer and company can give an employee. From the organization of documents to the quick and detailed email responses, I have been very happy with how Pegasus has handled my hiring and I look forward to years of working with them!read more
Gurdeep Singh
Gurdeep Singh
03:12 03 Aug 20
I wold say a wonderful organization to start your carrier in the Mortgage... industry. Very well organized management structure, great training & learning opportunities. I would highly recommend for mortgage agents looking to join a mortgage brokerage to build a strong foundation for a Prosperous more
Ender Topuz
Ender Topuz
22:29 02 Aug 20
Pegasus is great Brokerage company and more professional , because they make a... point of continuous training .I have an experience before the another brokerage that is my only reason the change.Ender Topuzread more
Kamlesh Vyas
Kamlesh Vyas
23:06 01 Aug 20
Positive: Professionalism, ValueAfter doing a lot of research and trying out... at multiple brokerages came across Pegasus and have not been disappointed at all. Great support and lots of hands on training available. Very happy with my more
mail 2me
mail 2me
18:37 01 Aug 20
I was working with a brokerage but was lacking practical exposure to mortgage... industry nuances. When the time was right to move on with a new brokerage I interviewed 5 brokers and decided to join Pegasus, I must say that mentor support, training quality and content is very elaborative to cover all areas of mortgage industry. They have regular trainings, seminars, workshop to equip every agent become successful, no one is left behind. This knowledge goes along for rest of your career if you get it right from beginning. They help you get running not only as mortgage agent but also help you groom into supporting clients do financial investment more
Bhulesh Shah
Bhulesh Shah
15:45 01 Aug 20
After passed my exam, I was actively looking for a brokerage to join. I... interview lots of brokerage firm and finally decided to work with Pegasus Mortgages. My license was issued within 2 working days. Lighting fast...They are providing excellent product training and client support. Cooperative staff and very helpful management team. Thank you for giving me more
Bairavi Ravindran
Bairavi Ravindran
14:22 02 Apr 20
After doing a lot of research and trying out at multiple brokerages came across... Pegasus and have not been disappointed at all. Great support and lots of hands on training available. Very happy with my more
Ender Topuz
Ender Topuz
19:09 03 Feb 20
Hi all,I joined the Pegasus Feb 2019. During the year I got very professional... services they provided such as intensive seminars and workshops, very interactive and useful brokerage portal as more
Mehedi Hassan
Mehedi Hassan
19:45 01 Nov 19
After I complete my brokerage course, I had meet with many brokerage house &... found that many brokerage house concentrate to appoint agent for the monthly fee in order to cover their overhead. I found Pegasus is very organized & professional in terms of many other brokerage house. Ever since I start work with them, I learned many things to market myself. Excellent place to work with and they are continuously keep educating agents to become competitive in market place & successful. All the trainings & workshops are very interactive & easy to follow. What I understood very well that Pegasus believe in quality & more than quantity which is make them unique in the more
Jessica Chand
Jessica Chand
17:33 01 Nov 19
After doing my research with couple of brokerages, I had happened to join... Pegasus 3 years ago as a mortgage agent and so far it has been a pleasant working experience with them. The professional training and the endless support has definitely enhanced my career. Best place to bring my clients in and discuss their mortgage needs with so many better products and competitive rates. Excellent mortgage more
Nasir Ahmad
Nasir Ahmad
17:08 01 Nov 19
I have been with Pegasus for over 5 years and I have nothing but amazing things... to say about them. I have worked in many corporate culture and I found Pegasus to be one of the best...the main reason is that they are always willing to get the best out of the Mortgage agents and always coach and guide them to do the same for their client. Pegasus growth in positive direction speaks for itself.I highly highly recommend Pegasus as the best place to join as mortgage agent as you will learn the industry in the most professional way and become successful. I also highly highly recommend Pegasus for all mortgage needs as they have best products and always take client's suitability in the mind. I wish to be with them for many more years to come and proud to build my clients under the umbrella of Pegasus.Thank you team Pegasus!!!!read more
Aditya Mishra
Aditya Mishra
23:11 01 Aug 19
It's a very nice brokerage to work with, especially for new agents. The weekly... training sessions and lender seminars are very helpful. I joined as a new agent and thanks to training sessions and seminars I was able to get up to speed very quickly. The agent support is amazing and there is a WhatsApp group for getting quick responses to your queries. Offices are very nice and beautiful; my clients are always impressed walking more
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Toronto(Head) Office
1457 McCowan Rd, Suite 202 Toronto ON M1S5K7
Mon - Friday: 10:00 AM to 6:00 PM Evening & Weekend appointments are available upon request