Got a mortgage question? I'll answer it today.
“I was fortunate to have met Garry during our house shopping days and through proper guidance, excellent industry resources, I was able to secure a prime mortgage rate with Garry.”
“I highly recommend Garry as a mortgage broker. He consistently works in the best interest of my clients, offering prompt and clear answers to any questions that arise throughout the process.”
“Anyone looking for any service- Garry is your man! I’ve known Garry for years and he displays professionalism, consistency and shows results in his work.”
“Really happy with the service. Garry explained everything clearly and helped us get the right mortgage. Had a great experience working with Garry.”
“started working with Gary and he helped me close my property very quickly. Not only that, he also helped me find a really great property.”
“He help us for first house in Bradford. Always answering call and guiding. Very happy. Thank you very much.”
“Garry Sidhu Mortgages made our recently purchased home so easy and stress-free. Garry explained everything clearly, got us an amazing approval, and guided us through every step.”
“I had the pleasure of working with Garry while helping my first-time home buyer clients and the experience was not only professional but also exceptional!”
“Garry really helped me understand what I need to do. He showed me how to stay organized and get ready to buy a home in 2026. I feel more confident now. Thank you, Garry”
“Well learned professional. Never misguides. No challenges will be faced when you work with Garry.”
“Garry is incredible to work with. As a realtor, I need a mortgage partner who is fast, reliable, and clear with communication. Garry delivers every single time.”
“Gary Sidhu is an outstanding, charismatic, and always brings out the best in people. He’s very approachable, easy to talk to, and makes everyone feel welcome. Couldn’t recommend him more!”
Call now and you'll get me, not a queue — most questions are answered on the spot.
What are you trying to do?
Type it — the AI answers instantly, day or night.
✨ Instant answers — English or any language you prefer
Free · No credit check to start · Takes 60 seconds
Meet Garry → 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 Ontario families
Let's talk right now
Call and you'll get me, not a queue. Most questions are answered on the spot.


