Ahmad HajMortgage Agent Level 1 · Licence M26001713TMG The Mortgage Group Inc. · FSRA Brokerage Licence #10315

Ahmad Haj · Ontario Mortgage Agent Level 1

Mortgage guidance that feels clear.

For Ontario buyers and homeowners who want thoughtful guidance on purchases, renewals, switches, and refinancing—without the noise.

Run your numbers Meet Ahmad Haj ↗

Ontario-focused planning · Payment estimates · Closing-cost clarity

Ontario home and mortgage planning illustration

Built forOntario borrowers

Practical guidance for the decisions that matter.

How I can help

For the mortgage decisions people actually make.

Clear strategy should come before product selection. Every conversation starts with your situation, your comfort level, and the real trade-offs.

Buying your first home

Build a clear plan for approval, down payment, and Ontario closing costs before offer day.

Explore your options →

Renewals & switches

Compare your renewal offer with options that better fit your payment, plans, and flexibility.

Explore your options →

Refinancing & equity

Explore debt consolidation, renovations, and equity access with the long-term cost in view.

Explore your options →

Mortgage planning hub

Everything useful, without the endless scroll.

Choose the tool or guidance you need right now. Nothing is saved or sent from these planning tools.

Plan with more clarity

Three small tools for a better first conversation.

Private, on-page planning tools—nothing is saved or sent.

Mortgage readiness check

See what is already in place before you start a conversation.

0 of 4 readyI know my comfortable monthly payment.I have a clear down payment or equity plan.I have recent income and employment documents ready.I have kept major credit changes on hold while planning.

Your next three moves

Build your offer-day plan before you shop.

Set a comfortable monthly payment range.
Document your down payment and closing funds.
Review a property plan before writing an offer.

Use the calculator your way

Adjust purchase price, down payment, interest rate, amortization, and Ontario land transfer tax in one place.

Use the estimate as a planning starting point for your household conversation.

About Ahmad Haj

Personal guidance for better prepared decisions.

I’m Ahmad Haj, the licensed mortgage agent behind Rose City Capital. I help Ontario buyers and homeowners organize the numbers, documents, costs, and questions that matter before they commit.

Meet Ahmad Haj

Proudly Windsor-minded

Local starting points for Windsor-Essex.

Windsor mortgage guidance →LaSalle mortgage guidance →Tecumseh mortgage guidance →Amherstburg mortgage guidance →First-time home buyer guide →Mortgage renewal guide →