Your mortgage broker in Oshawa.
I'm Garry Sidhu, a licensed mortgage broker with Akal Mortgages Inc.. First home, student rental or the family upgrade north of Taunton — I compare 88+ lenders so Oshawa buyers get the mortgage that fits.
5.0 on Google · 300+ Ontario families funded · Replies in under an hour
Value, students and a city on the way up
Oshawa anchors the east end of the GTA with something increasingly rare: attainability. First-time buyers priced out further west keep discovering that the numbers work here — and investors noticed long ago, especially around Ontario Tech University and Durham College, where student demand keeps legal rentals busy. Meanwhile the north end keeps growing, with newer communities like Windfields and Kedron drawing young families.
The files reflect that mix: 5%-down first purchases, rental properties where suite income does the heavy lifting, and older central-Oshawa homes where a little underwriting foresight — wiring, plumbing, oil tanks — prevents closing-week surprises. Different files, same approach: match the property and borrower to the lender who genuinely wants them.
I serve the rest of Durham too — Whitby, Courtice, Bowmanville and Pickering — along with the wider GTA and the corridor from Vaughan to Barrie.
Mortgage help for every Oshawa situation
First-time buyer mortgages
Oshawa remains one of the GTA's most attainable markets — start with 5% down options.
Learn more →Pre-approvals
Know your budget before you shop — free, fast, no credit check to start.
Learn more →Investment & student rentals
Near Ontario Tech and Durham College, rental income can do real work in your file.
Learn more →Renewals & switches
Compare 88+ lenders before you sign your bank's renewal letter.
Learn more →Refinancing & debt consolidation
Simplify high-interest debt into one manageable payment.
Learn more →Self-employed mortgages
Approvals on real income for trades and business owners.
Learn more →HELOC & home equity
Flexible access to your equity for renos or a rainy-day fund.
Learn more →Private & B-lender solutions
Credit challenges have options — with a plan back to prime.
Learn more →Run your Oshawa numbers
Two minutes to a full plan — or start with affordability and your payment.
Guides Oshawa buyers find useful
Canada Is the Hottest Country for Investment Right Now (Not the USA) – Here’s Why It Matters for Real Estate
Read the guide →Top Canadian Cities Getting the Most Government Funding & Infrastructure Investment (2026 Guide)
Read the guide →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 →Oshawa mortgage questions
Can rental income from a student rental near Ontario Tech help me qualify?
Often, yes. Many lenders count a portion of rental income from legal units, and Oshawa's student market keeps demand steady. Lender treatment varies a lot — some love these files, some don't — which is exactly why I compare.
We're looking at an older home in central Oshawa. Anything to watch?
Older housing stock can raise insurance and appraisal questions — things like dated wiring (knob-and-tube), galvanized plumbing or oil tanks. None are deal-breakers, but they can affect which lender and insurer make sense. Flag the age with me early and we'll plan for it.
Is Oshawa still the affordable corner of the GTA?
Generally it offers more home per dollar than most of the GTA, which is why first-time buyers and investors keep looking east. Prices move, though — I'll give you a current read as part of your plan rather than quoting a stale figure.
Do you help with new builds in north Oshawa?
Yes — communities like Windfields and Kedron come with builder deposit schedules and longer closings that deserve a financing plan up front, including making sure you'll still qualify when the home is ready.
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 first.
Let's find your Oshawa mortgage
Free, no obligation, no credit check to start — and a reply in under an hour.
