Mortgages By Gurinder: Your Trusted Path To Home Ownership.
Mortgage Financing for Your Home Purchase
From pre-approval to closing day — I'll find the best mortgage rate and terms for your next home purchase, with support at every step of the way.
HOME PURCHASE FINANCING
Start Strong With the Right Mortgage
Buying a home is one of the largest financial decisions you'll ever make. Getting the right mortgage from the start — the right rate, right terms, and right lender — can save you tens of thousands of dollars over the life of your mortgage.
I do the legwork: comparing options from 100+ lenders, handling the application, communicating with lenders, and ensuring everything is in order for your closing date. You focus on finding the home you love — I'll make sure the financing is ready.
Who I help buy homes?
- First-time homebuyers anywhere in Ontario
- Buyers upgrading to a larger home
Downsizers purchasing their next property
- Investors buying rental or income properties
- Buyers purchasing with as little as 5% down
- Self-employed buyers with non-traditional income
- New Canadians buying their first home
- Buyers with non-traditional or mixed income sources
Mortgage Pre-Approval
Know your budget before you shop. A pre-approval locks in a rate for 90–130 days and signals to sellers that you're a serious, qualified buyer — a real edge in competitive markets.
First-Time Buyer Programs
Guidance on the First Home Savings Account (FHSA), Home Buyers' Plan (RRSP withdrawal), and insured mortgage options with as little as 5% down.
Rate Holds — Protection While You Shop
Pre-approval rates are guaranteed for the hold period — protecting you if rates rise while you're searching for your perfect home.
Closing Day Ready
I coordinate with your lawyer and realtor to ensure financing conditions are met on time — so your purchase closes without complications.
Down Payment Guide
How Much Do You Need to Buy?
5% Minimum Down
For homes up to $500,000, the minimum is 5%. Between $500K–$999K, it's 5% on the first $500K and 10% on the remainder. CMHC mortgage insurance applies — but you get access to the lowest available rates.
20% Down (Conventional)
A 20% down payment eliminates mortgage insurance and opens access to both insured and uninsured lender options — often providing greater flexibility on property type and financing structure.
Properties Over $1M
A minimum of 20% is required for homes at $1 million or more — not eligible for mortgage insurance. I have strong lender relationships in this segment and can source competitive terms.
THE PROCESS
Your Home Purchase Journey
Get Pre-Approved
Know your maximum purchase price and lock in a rate hold before you start shopping.
Find Your Home
Shop with confidence — you know your budget and you're ready to make competitive offers.
Final Approval
Once your offer is accepted, I finalize the application and secure full lender approval.
Closing Day
Funds advance through your lawyer and you receive the keys to your new home.
FREE PERSONALIZED STRATEGY SESSION
Secure Your Consultation with Mortgages By Gurinder
Take the decisive step with us toward optimizing your mortgage and real estate portfolio. In this complimentary, expert-led session, our licensed team will evaluate your current position and develop a tailored financial strategy built on trust and expertise.
- Zero obligation or hidden consulting fees from Mortgages By Gurinder
- Personalized rate and financing term analysis by our licensed brokerage
- Actionable, step-by-step mortgage portfolio roadmap tailored to you
Broker Lic. M22002006
Brokerage: Tango Financial Mortgage (ON) Corporation, Lic. #13691
Services
Private Mortgage
Commercial Mortgages
Residential Mortgages
Refinancing
Home Purchase
© 2026 Mortgages By Gurinder, a Licensed Brokerage. All rights reserved.
Privacy Policy | Terms of Service