What are the opening hours?

Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8am - 6pm Friday 8am - 6pm Saturday 8am - 6pm Sunday 8am - 6pm

Kevin Singh Dhaliwal - Mortgages

Home
Canada
Mississauga, ON
Kevin Singh Dhaliwal - Mortgages

Call Directions Website Contact the business

Residential | Commercial | Business

11/02/2026

Think a reverse mortgage is only for one thing? Think again.

If you are 55+ and own your home in Canada, the equity you have built up does not have to just sit there. A reverse mortgage can help you:

Stay in your home instead of selling or downsizing
Boost retirement income and monthly cash flow
Help your kids with a down payment or a wedding
Renovate or age-proof your home
Pay off high-interest debt
Cover health costs, including in-home care
Travel more, even buy a second property

It is your equity, so the choice is yours. Just make sure you understand the costs and trade-offs first, because this product is not for everyone.

Curious if it fits your situation? DM me or call and we will walk through the numbers together.

Kevin Singh Dhaliwal
Mortgage Broker, GNE Mortgages (The Mortgage Centre)
FSRA Licence #10394
647-802-3738
ksdmortgages.com

10/30/2026

Small town property, limited comparable sales, and the bank passes. Now what?

This happens more than people think. When an appraiser can't find enough comps, a lot of banks walk away, even when the borrower and the property are solid.

That's where private lending can bridge the gap. Private lenders look at the property, the equity, and your exit plan, not just a checklist.

Got a rural or small town deal that got declined? Send me a message or call 647-802-3738 and let's look at your options.

Kevin Singh Dhaliwal (KSD), Broker, FSRA #10394
GNE Mortgages, The Mortgage Centre
KSD Mortgages | ksdmortgages.com
409 Matheson Blvd E, Mississauga, ON

10/27/2026

Your build is moving. Is your financing keeping up?

Whether you’re breaking ground, halfway through construction or planning a major renovation, let’s explore financing options for your project.

✔ New builds
✔ Mid-construction projects
✔ Major renovations
✔ Builder-occupied properties

DM “BUILD” to start the conversation.

Kevin Singh Dhaliwal | Mortgage Broker
ksdmortgages.com
[email protected]

GNE Mortgages | The Mortgage Centre | FSRA #10394
Financing subject to lender approval and property review.

MortgageBroker

10/27/2026

Should you break your first mortgage to borrow $50K–$100K? 🤔

It depends on:
🔹 How long is left on your first mortgage’s term?
🔹 What’s the term on a second mortgage?
🔹 How big are the penalties?
🔹 How long do you need the money for?

Sometimes refinancing your first is cheaper. Sometimes a line of credit or a second mortgage makes more sense. We run these scenarios every day.

📞 Run yours with us: 647-802-3738

10/25/2026

HELOC or 2nd mortgage? Pick wrong and you pay thousands more. 💸

Own a home in Ontario? You’ve got 2 ways to use your equity:

🏦 HELOC
• Revolving: draw, pay down, draw again
• Pay interest only on what you use
• Fully open, usually no penalty
• ⚠️ Variable rate, and the bank can freeze, cut or call it

🏠 2nd Mortgage
• Lump sum, full cash on day one
• Certainty: no surprise freeze mid-term
• Bruised credit or bank-statement income? Often still possible ✅
• Funded fast, then exit to the bank later

📊 $100K, interest-only:
HELOC at 7% ≈ $583/mo
Private 2nd at 9% ≈ $750/mo

After 3 years you still owe $100K either way. Your real rate depends on your equity, your credit and the deal itself.

👉 Comment “EQUITY” or call/text 647-802-3738 and I’ll tell you which one fits your situation.

10/25/2026

Got your appraisal back? Here's what actually matters.

The number on that report isn't random. Appraisers look at three things: recent comparable sales, how recent those sales are, and the adjustments made for size, condition, lot and upgrades. If your value came in low, that's exactly where you start asking questions.

A low appraisal doesn't automatically kill your deal. You may be able to challenge the comps, adjust your down payment, or go with a different lender. That's where having a broker in your corner matters.

Buying, refinancing, or stuck on a low appraisal in Brampton, Mississauga or the GTA? Send me a DM or book a call at ksdmortgages.com

Kevin Singh Dhaliwal, Mortgage Broker, FSRA #10394
GNE Mortgages, The Mortgage Centre, Lic # 10394
409 Matheson Blvd E, Mississauga, ON | 647-802-3738

10/23/2026

Bank said no in Ontario? Here’s how private mortgages and private HELOCs actually work.

If you’re self-employed, have credit issues, or your income on paper doesn’t match your real income, a bank turndown doesn’t mean you’re out of options. In this video I break down how a private mortgage and a private home equity line of credit work, what flexible terms look like (fully open, interest only, from a short 12-month bridge up to 2 to 3 years), and what it really costs once you add rate plus fees.

As a mortgage broker in Ontario, I work on residential, commercial, business and private deals every day. You’ll learn:

✅ Why banks say no
✅ How private lenders look at equity and exit first
✅ The 3 questions to ask before you sign, so the structure works for you and not against you

This isn’t for everyone. Private financing only makes sense once you’ve used up your other options and have a clear exit: refinancing back to a bank or selling.

📞 Call or text 647-802-3738. Send me your property value, what you owe, and your goal, and I’ll tell you straight whether private makes sense.
🌐 ksdmortgages.com

Kevin Singh Dhaliwal, Mortgage Broker | GNE Mortgages, The Mortgage Centre | Lic. #10394
Approval, rates and loan-to-value depend on your property’s LTV, location, credit and the full application. This video is general information, not financial advice.

10/22/2026

Getting a second mortgage? The lender will ask: who’s in FIRST? 🥇🥈

🔸 Is the first mortgage with a private lender? Many lenders won’t sit second behind a private first.
🔸 Have any payments on the first been missed?
🔸 Are you replacing a private first with another private first?

These can drop your max LTV to 65–70%.

📞 Specific questions? Call or text 647-802-3738

10/22/2026

Buying a brand new home in Ontario? You could get up to $130,000 back in HST.

Here's the breakdown:
• Full 13% HST rebate on new homes up to $1M (max $130,000)
• Stays at $130,000 up to $1.5M, then phases down to $24,000 at $1.85M+
• Open to ALL buyers, not just first-timers
• Must be your primary residence, with the agreement signed between April 1, 2026 and March 31, 2027

Most buyers don't realize how this changes their down payment and mortgage math. Let's run your numbers before you sign.

DM me or book a call at ksdmortgages.com
Call/Text: 647-802-3738

Kevin Singh Dhaliwal, Mortgage Broker
GNE Mortgages, The Mortgage Centre | FSRA Lic. #10394

Eligibility is set by the CRA and the Province of Ontario. Conditions apply. Not tax advice.

10/21/2026

Own a small business in Ontario? The Government of Canada's Small Business Financing Program (CSBFP) can help you access up to $1M toward commercial real estate, and up to $1.15M in total financing for property, equipment, leasehold improvements and working capital.

Loans are issued by participating lenders and partially guaranteed by the government, which can mean better terms than you'd get on your own.

Buying your building, expanding, or upgrading equipment? Let's talk about your options.

Call/Text: 647-802-3738
Email: [email protected]
Web: KSD Mortgages | ksdmortgages.com

Kevin Singh Dhaliwal, Mortgage Broker, FSRA #10394
GNE Mortgages, The Mortgage Centre, Lic # 10394
409 Matheson Blvd E, Mississauga, ON

All financing is subject to lender approval and program eligibility. Terms and conditions apply.

Address

409 Matheson Boulevard East
Mississauga, ON
L4Z2H2

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 6pm
Sunday	8am - 6pm

Telephone

+16478023738

Website

http://www.ksdmortgages.com/

Alerts

Be the first to know and let us send you an email when Kevin Singh Dhaliwal - Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.