1. Regulatory Oversight: Navninder (Nav) Mallhi is a Licensed Level 2 Mortgage Broker (FSRA #M08003405) operating under the sponsoring brokerage Real Mortgage Associates (FSRA #10464). We comply fully with the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA).

2. Disclosure of Costs: We believe in absolute transparency. Every client receives a written disclosure of all fees, commissions, and the total cost of borrowing before any commitment is made.

3. Conflict of Interest: Any relationship between the broker and the alternative or private lenders used in your strategy will be disclosed to you in writing.

4. Fair Treatment: We provide equitable service to all homeowners, focusing on providing a "Step-by-Step Bridge" to return clients to traditional bank financing.

5. Verification: Our license status can be verified at any time via the Financial Services Regulatory Authority of Ontario (FSRA) public registry.