Mortgage with Hardik

Mortgage with Hardik I'm Hardik - A mortgage agent ( ) for Home Owners & buyers in KWC, Burlington, Hamilton, and across Ontario.
( #13476)

05/12/2026

Two scenarios. Same couple. Same income. $231K difference in what they can buy.

The secret? GDS and TDS ratios.

Different lenders look at your income ratios differently. Not only that, some lenders may approve mortgages for higher ratios.

Does it come with a higher interest rate? - Yes, it does. However, when structured correctly, you might end up paying the same in interest as a lower initial rate.

Stretching your ratios is an exception, not the norm!!
Please consult a licensed mortgage agent (like me) before you make such decisions.

If you have a mortgage question, DM or connect with me on (519)721-6114

Hardik Khatri - Mortgage Agent lvl1
Orbis Mortgage Group FSRA13476

04/29/2026

In its latest policy rate announcement, held the rate at 2.25 percent.

Let’s see how it translates to the mortgage rates within next few hours/days.

Most likely scenario is next to no impact on variable rates side.

However, if bond market reacts either way, we might see some change in fixed rates.

Buying a new construction home in Ontario? Read this before you sign anything.Everyone's talking about the $130K GST/HST...
04/16/2026

Buying a new construction home in Ontario? Read this before you sign anything.
Everyone's talking about the $130K GST/HST rebate, and yes, it's a big deal for new construction buyers in Ontario. But here's what nobody in the room is telling you:

Lenders haven't caught up yet.

Most buyers think they only need to qualify for the purchase price minus the rebate. That math sounds great — but right now, lenders are still building their policies around this, and most are treating it case by case.

The wording in your Agreement of Purchase & Sale matters more than you think.
Swipe through to understand exactly what's happening, and what to do before you commit.

Are you a first-time buyer or investor looking at pre-construction in Ontario?
Drop your questions below! I read every comment.

📌 Save this post if you're planning a new construction purchase in Ontario. You'll want it before your APS meeting.

04/11/2026

Renting Vs Buying has been a question as long as mortgages have existed.

Lately, people have started making these reels about buying a house if you're paying similar in rent anyways.

Here's the real deal.

When paying rent, that's the maximum for that month; outside of the utility bills.
If something breaks, it is the landlord that pays for it - NOT YOU!

When you're the homeowner, you're not only paying the mortgage, but property taxes too. If something breaks, you have to get it fixed! So add those costs too when you're comparing the two options.

What are your thoughts on these Rent Vs Buy videos popping up lately in Ontario?

If you want to discuss your specific case, reach out in DM or call on (519)721-6114

Hardik Khatri
Mortgage Agent level 1 - M25002600
FSRA - 13476

04/08/2026

Just lost a client over $7. 🤯

Only to find out, the client didn't end up getting the thing that was so important to them - 20% prepayment limit.

In the pursuit of finding the 'Good Deal', don't fall for the shiny object!

Comment "details" for my top 3 must-checks before signing.

Have any mortgage questions? reach out to me via DM or call (519)721-6114

Hardik Khatri - Mortgage Agent lvl1 (M25002600)
FSRA 13476

04/04/2026

Don’t be a first-time homebuyer making critical mistakes!!!

Get pre-approved before house hunting to avoid frustration.

Get smart, start your journey right!

If you have question on how to get pre-approved, reach out in DM or whatsapp on (519)721-6114

Hardik Khatri - Level 1 mortgage agent (M25002600)
( #13476)

03/31/2026

Curious about whether you should go with Fixed or Variable rates?

Right now, Variable rates start at 3.45%, where 5-yr fixed is hovering around 3.90%

That is quite a bit of difference right away. Add the current domestic and global economic conditions, and variable just feels a much better option.

What do you think?

Have any mortgage questions? reach out to me via DM or call/whatsapp on (519)721-6114

03/29/2026

Go for those open-houses and put offers,

But First - Get Pre-approval!

03/28/2026

Confused between Mortgage Renewal and Refinance?

Here's a quick explainer that'll help you.

For any mortgage questions - Reach out via DM!

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Cambridge, ON
N1R6C1

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+15197216114

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