Your mortgage broker in Aurora.
I'm Garry Sidhu, a licensed mortgage broker with Akal Mortgages Inc.. Aurora is a move-up town — bigger homes, bigger mortgages, and more riding on the structure. I compare 88+ lenders to get yours right.
5.0 on Google · 300+ Ontario families funded · Replies in under an hour
A move-up market where timing is everything
Aurora sits in the sweet spot of York Region: the all-day GO service and Highway 404 for commuters, a charming heritage downtown along Yonge, well-regarded schools that draw families from across the region, and streets that range from starter semis near Bayview to executive homes in Aurora Estates and the Hills of St Andrew.
Most of my Aurora files aren't first purchases — they're upgrades. And upgrades are where mortgage structure earns its keep: bridge financing when the buy and sell dates don't line up, porting a good existing rate instead of breaking it, and navigating the uninsured rules that kick in on larger purchases. Done well, these moves are smooth; done casually, they get expensive. My job is the "done well" part.
I also serve the neighbouring communities — Newmarket next door, King and Richmond Hill, and the wider corridor from Vaughan up to Bradford.
Mortgage help for every Aurora situation
Move-up & next-home purchases
Aurora is a classic move-up market — finance the upgrade without stumbling between closings.
Learn more →Pre-approvals
Know your ceiling before you compete — Aurora's best streets move fast.
Learn more →Renewals & switches
Larger Aurora balances make renewal shopping worth real money.
Learn more →Refinancing & debt consolidation
Unlock years of Aurora equity for renovations or simpler finances.
Learn more →Self-employed mortgages
Approvals on real income for professionals and business owners.
Learn more →Investment & rental properties
Income properties and legal suites, financed properly.
Learn more →HELOC & home equity
Flexible access to substantial equity — on standby when you need it.
Learn more →Private & B-lender solutions
Complex files and bank declines still have options.
Learn more →Run your Aurora numbers
Two minutes to a full plan — or start with affordability and closing costs.
Guides Aurora buyers find useful
Beyond Toronto: Top 5 Ontario Cities for First-Time Buyers in 2026
Read the guide →Barrie First-Time Buyer Tips: Navigating Mortgage Pre-Approval in 2026
Read the guide →5 Best GTA-Area Cities for First-Time Homebuyers in 2026
Read the guide →The Ultimate First-Time Buyer Checklist for Ontario (Updated 2025)
Read the guide →First-Time Home Buyer Programs in Ontario (2026 Update): Everything You Need to Know
Read the guide →Bradford First-Time Homebuyer Guide: 5 Practical Tips to Save for Your First Home
Read the guide →Aurora mortgage questions
We're buying a bigger Aurora home before selling ours. How does that work?
This is the most common Aurora conversation I have. Depending on your equity and timing, options include bridge financing between closings, porting your existing mortgage, or qualifying to carry both briefly. The right structure depends on your dates — bring me the timeline and I'll map it.
Do executive homes in Aurora Estates finance differently?
Larger purchases often cross the $1.5M line where mortgage insurance isn't available — meaning at least 20% down and uninsured lending, where rates and policies vary more between lenders. Exactly the territory where comparing 88+ lenders pays off.
Is the GO train relevant to my mortgage?
Not to qualifying — but Aurora GO's all-day service is a big reason commuting households choose the town, and it shapes realistic budgeting. Lenders care about income and debts; I help you make sure the payment fits the life around it.
We're stretching for a school catchment. Any advice?
Buy the payment, not just the house. A pre-approval tells you your true ceiling, and a stress-tested budget makes sure the catchment move doesn't crowd out everything else. No credit check to run the numbers.
What does working with you cost?
On most standard residential mortgages the lender pays the broker's compensation — typically no direct cost to you. Anything different is disclosed in writing before you commit.
Let's find your Aurora mortgage
Free, no obligation, no credit check to start — and a reply in under an hour.
