Akash Gaur - Mortgage Broker

Call Directions Contact the business

Akash Gaur - Mortgage Broker Mortgage broker specializing in residential loans offering creative solutions

MORTGAGE MYTH VS FACT — BAD CREDITMYTH: “My credit is damaged, so refinancing is impossible.”FACT: Credit matters — but ...
09/14/2026

MORTGAGE MYTH VS FACT — BAD CREDIT

MYTH: “My credit is damaged, so refinancing is impossible.”

FACT: Credit matters — but it is only one part of the file.

Depending on the situation, lenders may also consider your:

• home equity
• income
• payment history
• overall debt
• reason for the credit issues
• plan going forward

Poor credit can reduce your options and increase borrowing costs, but it doesn’t automatically mean there are no options.

DM me “EXIT” if you want to understand what may be available in your situation.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

Everyone asks:“What’s the lowest rate?”But rate is only one part of a mortgage.I also look at:✓ monthly payment✓ penalti...
09/14/2026

Everyone asks:

“What’s the lowest rate?”

But rate is only one part of a mortgage.

I also look at:

✓ monthly payment
✓ penalties
✓ lender fees
✓ amortization
✓ prepayment options
✓ qualification requirements
✓ your longer-term exit strategy

A slightly lower rate doesn’t help much if the mortgage itself doesn’t fit your situation.

The goal isn’t simply to find the cheapest mortgage.

It’s to find the right mortgage.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

Before recommending a private mortgage, one of the biggest questions should be:“What needs to happen for this borrower t...
09/12/2026

Before recommending a private mortgage, one of the biggest questions should be:

“What needs to happen for this borrower to qualify somewhere better?”

That could mean:

• improving credit
• paying down debt
• establishing stronger income
• filing taxes
• increasing equity
• allowing more time in the business
• restructuring the overall file

A private mortgage should ideally have a destination, not just an expiry date.

If your private mortgage is coming up for renewal, now is the time to start looking at the next move.

DM me “EXIT.”

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

Being self-employed doesn’t automatically mean you can’t qualify for a mortgage.The important question is how the lender...
09/10/2026

Being self-employed doesn’t automatically mean you can’t qualify for a mortgage.

The important question is how the lender is assessing your income.

Depending on the program and borrower, lenders may look at things such as:

• reported income
• allowable add-backs
• business stability
• business financials
• bank deposits/cash flow
• credit and equity

Different lenders can treat the same self-employed borrower very differently.

That’s why lender selection and file structure matter.

Self-employed and having trouble qualifying? Send me a DM.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

There’s nothing better than hearing that a client felt supported from start to finish.Mortgage files can be stressful, e...
09/09/2026

There’s nothing better than hearing that a client felt supported from start to finish.

Mortgage files can be stressful, especially when there are a lot of moving parts. My goal is always to keep the process clear, responsive and as smooth as possible.

Thank you, Zubaria, for the kind words and for trusting me with your mortgage.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

Getting out of a private mortgage doesn’t always mean going directly back to a major bank.Sometimes the path can look mo...
09/07/2026

Getting out of a private mortgage doesn’t always mean going directly back to a major bank.

Sometimes the path can look more like:

PRIVATE → B LENDER → A LENDER

A private mortgage can solve the immediate problem.

A B lender may become the next step while income, credit or debt improves.

And eventually, the goal may be returning to traditional lending when the file qualifies.

Not every borrower will follow this exact path — but the important part is having a plan instead of simply renewing the private mortgage every year.

DM me “EXIT” if you want to start building yours.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

A mortgage has to work after the approval.That’s why I care about cash flow.A great-looking rate with an unaffordable mo...
09/04/2026

A mortgage has to work after the approval.

That’s why I care about cash flow.

A great-looking rate with an unaffordable monthly payment still leaves the borrower under pressure.

When comparing options, look at the entire structure:

Payment. Rate. Fees. Penalties. Amortization. Exit plan.

The best mortgage is one you can actually sustain.

DM me if you’re trying to restructure your mortgage payments or consolidate debt.

Akash Gaur | Mortgage Broker
Northwood Mortgage Ltd. | Lic. 10349

JUST CLOSED ✅Purchase price: $369,000Renovation funds: $25,000AS IF improved value: $490,000The property was priced lowe...
09/03/2026

JUST CLOSED ✅

Purchase price: $369,000
Renovation funds: $25,000
AS IF improved value: $490,000

The property was priced lower because it didn’t have a rentable basement. Instead of overlooking the opportunity, we structured a Purchase + Improvements mortgage so the client could secure the funds needed to complete a basement apartment.

Once completed, the basement can generate rental income while increasing the property’s value.

Sometimes the best purchase isn’t the finished property—it’s the property with the right potential and the right financing strategy.

Buying a property that needs work? DM “RENOVATE” or call 416-732-3398.

A private mortgage isn’t always the problem. A private mortgagewithout an exit plan is.This client purchased a fixer-upp...
09/02/2026

A private mortgage isn’t always the problem. A private mortgage
without an exit plan is.

This client purchased a fixer-upper for $415,000. Because of the
property’s condition, no institutional lender was willing to finance
it.

We arranged 75% LTV private financing with additional collateral—and
planned the exit from day one.

Six months later:
• New property value: $625,000
• B-lender refinance: $500,000
• Rate reduced from 9.99% to 6.04%
• Private mortgage fully paid out
• Client recovered all invested funds

The property gained $210,000 in value, even in a declining market.

This is how you plan a private mortgage—and exit it successfully.

DM “EXIT” to discuss your exit plan.

Address

7676 Woodbine Avenue #100
Mississauga, ON
L3R2N2

Telephone

+14167323398

Website

Alerts

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

Contact The Business

Send a message to Akash Gaur - Mortgage Broker:

Shortcuts

Share

Category