The right mortgage, approved fast.
I'm Garry Sidhu, a licensed mortgage broker shopping 88+ lenders so you don't have to — better rates, straight answers, and approvals when the bank says no.
What are you trying to do?
Free · No credit check to start · Takes 60 seconds
One application. 88+ lenders competing.
Through Akal Mortgages I hold broker-channel access to Canada's big banks, mortgage-focused lenders, credit unions and alternative lenders. Your file goes where it wins.
Major banks
The names you know — with broker-channel pricing.
- Scotiabank
- TD Canada Trust
- BMO
- National Bank
- Manulife Bank
- B2B Bank
Mortgage-focused lenders
Mortgages are all they do — and they regularly beat the banks on rate.
- First National
- MCAP
- CMLS Financial
- RFA
- RMG
- Merix Financial
- Marathon Mortgage
Alternative lenders
Bank said no? These regulated lenders specialize in self-employed income, newer credit and new-to-Canada files.
- Equitable Bank
- Home Trust
- Haventree Bank
- Community Trust
- Bridgewater Bank
- Wealth One Bank
Credit unions & private
Flexible local options — plus vetted private capital when speed or story matters.
- Meridian
- DUCA
- Alterna Savings
- FirstOntario
- IC Savings
- Desjardins
- + 60+ private lenders & MICs
Example lenders from our broker network; availability varies by application and product, and all credit decisions are made by the lender. Lender names are trademarks of their respective owners — no endorsement is implied.
A lender for wherever you are
Whatever your goal, there's a program — and a lender — that fits. I find yours.
First-Time Buyer
Programs, incentives and pre-approval built for your first home.
Learn more →Refinance
Lower your rate, consolidate debt, or free up equity.
Learn more →HELOC
Flexible home-equity line of credit for when you need it.
Learn more →Renewal & Switch
Don't auto-renew — we shop 88+ lenders for a better deal.
Learn more →Self-Employed
Approvals designed around real business income.
Learn more →New to Canada
Newcomer mortgage programs, even with limited credit history.
Learn more →Investment Property
Financing for rentals and multi-unit investments.
Learn more →Private / B-Lender
Solutions when the banks say no — bruised credit, complex income.
Learn more →Four steps, zero stress
Understand your situation
A real conversation about your goals, timeline and numbers — no jargon, no pressure.
Compare lenders & strategies
I shop 88+ lenders and structure the strategy that actually fits you best.
Options in plain English
You see your choices clearly — rate, terms and trade-offs — and decide with confidence.
Managed through closing
I handle the lender, paperwork and details right through to your closing day.
Run your numbers first
No sign-up, no credit check — just clear answers, built on real Canadian mortgage rules.
Mortgage payment
Your monthly payment, with CMHC if under 20% down.
Open calculator →How much can I afford?
Your max price using real Canadian GDS/TDS rules.
Open calculator →Should I refinance?
See if breaking your mortgage actually pays off.
Open calculator →First-time buyer checklist
The free 12-month roadmap I give my own clients.
Get the checklist →Trusted by 300+ Ontario families
Ready when you are
Pick whatever's easiest — I typically reply in less than an hour, often sooner.
