Residential Mortgages

Residential Mortgage Services

Whether you are buying your first home, renewing, or refinancing, we connect you with the right lender and the best rate for your situation.

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Quick Facts

Down PaymentAs low as 5%

Lender Network40+ lenders

Pre-Approval24-48 hour turnaround

ProvincesON, AB, MB

Our Services

Mortgage Solutions for Every Situation

From straightforward purchases to complex credit situations, we have a solution that fits your needs.

Mortgage Pre-Approval

Lock in your rate for up to 120 days and shop for your home with confidence. Know exactly what you can afford before you start looking.

Rate hold up to 120 daysKnow your budgetStronger offers

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First-Time Home Buyer

Take advantage of government incentives, the RRSP Home Buyers Plan, and programs designed to help you purchase your first property in Canada.

As low as 5% downRRSP HBP $35KLand transfer rebates

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New to Canada

Specialized mortgage programs for permanent residents, work permit holders, and newcomers. No Canadian credit history required with qualifying programs.

No Canadian credit needed5-10% downPR & work permits

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Refinancing

Access up to 80% of your home equity, consolidate high-interest debt, or lower your monthly payments by refinancing your existing mortgage.

Up to 80% LTVDebt consolidationLower payments

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Mortgage Renewal

Do not simply sign your bank's renewal offer. Let us shop 40+ lenders to find a better rate and terms when your mortgage comes up for renewal.

40+ lendersBetter ratesNo cost to switch

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Self-Employed Mortgages

Flexible income verification options for business owners, freelancers, and contractors. Stated income and alternative documentation programs available.

Stated incomeAlt documentationBusiness for self

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Bad Credit Mortgages

Options for borrowers with bruised credit, consumer proposals, or past bankruptcies. We work with lenders who look beyond your credit score.

Bruised credit OKPost-bankruptcyConsumer proposals

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Private Mortgages

Equity-based lending when traditional banks decline your application. Fast approvals based on property value rather than income or credit score.

Equity-basedFast approvalNo income verification

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Second Mortgages

Access additional equity from your home without breaking your existing first mortgage. Ideal for renovations, investments, or debt consolidation.

Keep first mortgageAccess equityFlexible terms

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The Broker Advantage

Why Work With a Mortgage Broker?

A bank offers you one option. We offer you the best option from across the entire market.

40+ Lender Network

We compare rates and terms from over 40 banks, credit unions, trust companies, and private lenders to find your best mortgage option.

No Cost to You

Our services are free for most residential mortgage transactions. The lender pays our fee when your mortgage funds, so you save without paying extra.

Personalized Service

Every borrower is different. We take the time to understand your financial situation and goals, then build a mortgage strategy tailored to you.

Licensed & Regulated

Gary Sidhu is a licensed mortgage agent (FSCO #12978) operating under the Mortgage Brokerages, Lenders and Administrators Act in Ontario.

Not Sure Where to Start?

Tell us about your goals and we'll recommend the best mortgage solution for your situation. No obligation, no cost.

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