About

Our Founding Story

Our story begins in the early 2000’s when our founder, Manzeel Patel, was working as an underwriter for one of the top mortgage lenders in Canada. As the individual ultimately responsible for approving or declining home loan applicants, he began to notice a shift in the needs of Canadian homebuyers.

Borrowers who were self-employed, showed low or no reportable income, or had bruised credit were repeatedly declined based on the bank's strict lending guidelines. The bank’s lending process was extremely time-consuming, challenging and exhausting, leaving many feeling frustrated, defeated and convinced that homeownership was “not for them.”

This is when he saw an opportunity to help. He wanted to be the one to help fulfill their goals rather than jeopardize them. So, in 2012, he retained as a Mortgage Broker and began working as an independent agent under the Everything Mortgages brand.

Four years later, he established Everything Mortgages as an independent brokerage. He recruited a team of highly experienced agents who shared a similar background in banking and mortgage underwriting.

Since then, Everything Mortgages has evolved into a team of over 20 agents with access to more than 35 lending institutions. Our team of experienced mortgage advisors have helped hundreds of happy homeowners get the right mortgage solution for their needs today and tomorrow.

The drive behind Everything Mortgages

We're in the business of helping Canadians achieve their goals.
What drives our motivation to succeed is not the loan we secure but the difference we make. Whether it’s helping the first-time home buyer purchase their first home, the small business owner looking for a better solution or the hardworking professional break free from high-interest debt, we work hard to help you become mortgage-free sooner and build wealth creation faster. It’s the people who would otherwise be denied, forgotten or refused that drive our motivation to succeed.
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Manzeel Patel
Mortgage Broker, LIC M11002628, Level #2
Manzeel Patel
Mortgage Broker, LIC M11002628, Level #2
manzeel@everythingmortgages.ca

Manzeel is an award-winning Mortgage Broker and the Owner of the Toronto-based mortgage, Everything Mortgages.

With 16 years of experience in the Canadian mortgage industry and a formal background in mortgage underwriting, Manzeel’s lending expertise gives him unique insight into whether a deal is feasible which empowers his clients to make more informed lending decisions faster.

He has been recognized as one of Canada’s Top 10 Mortgage Brokers by the national Canadian Mortgage Professionals (CMP) Association. Him and his team of 18 mortgage agents are proud to offer a mortgage experience that’s built on honesty, trust, and integrity. He prides himself on the brokerage’s dedication to deliver an excellent client experience throughout the entire home loan process from pre-approval to post-funding.

Since moving to Toronto in 1998, Manzeel has successfully launched and scaled several businesses from the ground up, ranging from a mortgage brokerage and a vast real estate investment portfolio to a private financing eCommerce platform. He continues to be a leader in the real estate industry as he uses his analytical expertise to seek new real estate investment opportunities.

As a tech junkie and avid sports enthusiast, when Manzeel’s not working with clients, you can find him  reading technology blogs, playing squash or watching tennis with his two boys.

What Our Customers are Saying…

Maryam Jabbari

I highly recommend Manzeel Patel for his professionalism and excellent service. Manzeel was able to address my very complicated and stressful situation in a very limited time. He was able to offer realistic solutions without any false promises. He is definitely trustworthy and I will absolutely recommend him to all my friends. Thank you so much Manzeel!

Pedro Lozano

Manzeel was profesional from day one. He helped us to get the best rate available in the market. All was clear from day one. Not surprises, nothing to worry just we had to wait for a call to sign our Mortgage. We highly recommend Everything Mortgages

Name Position Email
Marcus Besai Concierge & On-boarding Expert, Administrator marcus@everythingmortgages.ca
Sanam Bawa Mortgage Agent (Level 2), LIC M15001292 sanam@everythingmortgags.ca
Vipul Shah Mortgage Agent (Level 1), LIC M14001780 vipulom1966@gmail.com
Fawad Rabbani Mortgage Agent (Level 2), LIC M11002495 rabbanifawad@yahoo.com
Brijeshkumar Vora Mortgage Agent (Level 1), LIC M21001858 vorabrijesh@gmail.com
Anahita Shamei Office Manager & Mortgage Agent (Level 2), LIC M15002477 anahita@everythingmortgages.ca
Anuj Dhir Mortgage Agent (Level 1), LIC M25000439 anuj@everythingmortgages.ca
Brian Baldeo Mortgage Broker, LIC M10000600 416mortgages@gmail.com
Christos Sotirakos Mortgage Broker, LIC M08000350 chris@rightpathmortgage.ca
Chris Houseseas Mortgage Agent (Level 1), LIC M13002169 chris.housseas@rightpathmortgage.ca
Magdalena Petrangelo Mortgage Agent (Level 1), LIC M25002169 magda@everythingmortgages.ca
Kunj Patel Mortgage Agent (Level 1), LIC M23006134 mortgagewithkunj@gmail.com
Kiana Lewis Mortgage Agent (Level 1), LIC M25002017 kiana@rogers.com
Gelareh Moluki Mortgage Agent (Level 1), LIC M23005502 ela4168877718@gmail.com
Mastaque Chowdury Mortgage Agent (Level 2), LIC M16000027 mchow8711@gmail.com
Nicholas Karamitos Mortgage Agent (Level 2), LIC M16001408 nick@sgecapital.ca
Nickolas Berardi Mortgage Agent (Level 1), LIC M24001887 nickberardi123@gmail.com
Prashant Chaudhary Mortgage Agent (Level 1), LIC M24002655 mortgagewithprashant@gmail.com
Rasha Al-Naaj Mortgage Agent (Level 1), LIC M21003816 rashaa.alnaaj@gmail.com
Roberto Vita Principal Broker, LIC M12001470 vitamortgages@gmail.com
Rupal Shah Mortgage Agent (Level 1), LIC M20001076 vipulom1966@gmail.com
Sadaf Arshad Mortgage Agent (Level 1), LIC M24002804 sadaf_aamir2@hotmail.com
Seamus Smith Mortgage Agent (Level 1), LIC M25000131 seamus@everythingmortgages.ca
Shelley Middlebrook Mortgage Agent (Level 1), LIC M20002106 shelley@rightpathmortgage.ca
Sunil Vazhavilla Mortgage Agent (Level 2), LIC M12000954 sunil.angelus@gmail.com
Valerie Gerardi Mortgage Agent (Level 1), LIC M20003245 vgerardi@sothebysrealty.ca
Zachary Muir Mortgage Agent (Level 2), LIC M15001171 muir.zachary@gmail.com
Maksim Perevoshchikov Mortgage Broker, LIC M15001332 maksim@everythingmortgages.ca
Adelisse Lupsasca Administrator adelisse@everythingmortgages.ca

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Our Oscar Moment
Over the years we have not only built strong client relationships, but also garnered the recognition of our partners in the industry. We’re proud to be recognized by: *

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