About Simran
Simran loves helping first-time buyers, newcomers to Canada, and families looking for the right home. She also works with homeowners who are renewing or refinancing. Buying a home is one of the biggest milestones in a person's life, and Simran wants the journey to feel less overwhelming. She's a licensed mortgage broker in Nova Scotia, with several years of customer service behind her. That background built her strengths in communication and problem-solving, and in really listening to what each client needs. Based in Halifax, Simran works with clients in Halifax and communities across Nova Scotia. She's also happy to meet virtually, so the process stays easy and convenient. Her approach is friendly, approachable and client-focused. She takes the time to understand each person's situation and explains options clearly and patiently, so clients feel informed, confident and supported in their decisions. Outside work, Simran enjoys fashion, beauty, exploring new places, basketball, and time with family and friends. She speaks English, Punjabi and Hindi.
Credentials & office details →Frequently asked questions
Does it cost anything to work with a Team Active Mortgage broker?
For standard residential mortgages, brokers are typically paid by the lender when the mortgage funds, so there is usually no fee to you. Some files, such as private or certain alternative lending, can involve fees. Any fee is disclosed to you in writing before you commit.
What documents will I need?
Usually government-issued photo ID, proof of income (recent pay stubs and an employment letter, or two years of tax returns and Notices of Assessment if self-employed), proof of your down payment, and details of debts and assets. Your broker will confirm the exact list for your situation.
How does switching lenders at renewal work?
When your term ends you can move your remaining balance to a new lender instead of signing your current lender's renewal offer. You re-qualify with the new lender, and the switch is arranged to take effect at maturity. Start the conversation a few months before your renewal date.
Run the numbers with Simran
Mortgage payment calculator
Monthly payment
Enter a rate
Mortgage amount
$405,000
Illustrative only — not a quote or approval. Semi-annual compounding.
Affordability calculator
Max purchase price
Enter a rate
Illustrative only — not a quote or approval.
Latest from the blog
October 25, 2026
Plan for changing mortgage rates without betting on a forecast
Build payment scenarios, review fixed and variable contract features and use rate holds carefully without predicting future borrowing costs.
Read →October 25, 2026
Competing offers: set your financing boundaries before the pressure arrives
Prepare a firm budget, understand conditional financing and coordinate deposit deadlines without assuming an offer needs fewer protections.
Read →October 25, 2026
Using an FHSA or the Home Buyers’ Plan? Plan the withdrawal as well as the savings
Coordinate home-buying savings, withdrawal requirements and possible repayment obligations without relying on outdated program limits.
Read →