Your mortgage broker in Newmarket.
I'm Garry Sidhu, a licensed mortgage broker with Akal Mortgages Inc.. From a first townhome off Davis Drive to the family upgrade in Stonehaven, I help Newmarket buyers and homeowners compare 88+ lenders — and pick the mortgage that actually fits.
5.0 on Google · 300+ Ontario families funded · Replies in under an hour
Where family budgets meet York Region prices
Newmarket sits in an interesting spot: more attainable than Aurora or Richmond Hill to the south, better connected than most towns its size — with the Newmarket GO station, Highway 404, and Southlake Regional Health Centre anchoring thousands of local jobs. That mix shapes the mortgage conversations I have here: first-time buyers stretching into a townhome or semi, growing families upgrading within town, and long-time owners with serious equity deciding what to do with it.
The housing stock has real variety too — century homes around Main Street, mature crescents off Mulock, newer builds in Stonehaven and Woodland Hill, and condos rising along the Yonge and Davis corridors. Each can be financed well; the trick is matching the property and your situation to the lender who prices it best. That's exactly the comparison a broker does that a single bank can't.
I also serve the surrounding communities buyers naturally compare — Aurora, East Gwillimbury and Holland Landing, plus Bradford just up Highway 400 and Vaughan to the south.
Mortgage help for every Newmarket situation
First-time buyer mortgages
Townhomes and semis are Newmarket's classic first step — get in with as little as 5% down.
Learn more →Pre-approvals
York Region moves quickly — know your number and hold a rate before you offer.
Learn more →Renewals & switches
Renewing? Compare 88+ lenders before signing your bank's letter.
Learn more →Refinancing & debt consolidation
Put years of Newmarket equity to work — lower payments, one simple bill.
Learn more →Self-employed mortgages
Approvals on real income for business owners and contractors.
Learn more →Investment & rental properties
Finance a rental or count legal-suite income toward qualifying.
Learn more →HELOC & home equity
Flexible access to your home's equity, when you need it.
Learn more →Private & B-lender solutions
Turned down by the bank? There's usually another route.
Learn more →Run your Newmarket numbers
Build a full plan in two minutes, or estimate your closing costs and affordability first.
Guides Newmarket 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 →Newmarket mortgage questions
Do you work with buyers in Newmarket?
Every week. I serve Newmarket and all of York Region by phone, video and in-person by appointment — documents and signatures are handled securely online, so most clients never need to drive anywhere.
We both commute — one to Toronto, one locally. How does that affect our application?
It doesn't hurt it. Lenders qualify you on income and debts, not your commute. Newmarket's GO line and Highway 404 make split-commute households common here — where it matters is budgeting realistically, which we'll do together.
Can income from a basement apartment help us qualify?
Often, yes. Many lenders count a portion of legal secondary-suite income, and Newmarket has plenty of homes with registered basement units. The percentage counted varies by lender — one of the clearest cases for comparing options.
Is an older Main Street-area home financed differently than a new subdivision build?
The mortgage works the same way, but older homes can raise appraisal or insurance considerations (wiring, plumbing, heritage features), while new builds have builder deposit and closing-timeline quirks. Knowing which lender is comfortable with which property saves headaches.
What does working with you cost?
On most standard residential mortgages the lender pays the broker's compensation — typically no direct cost to you. Any exception is disclosed in writing up front.
Let's find your Newmarket mortgage
Free, no obligation, no credit check to start — and a reply in under an hour.
