MortgagesbyPankaj

MortgagesbyPankaj Mortgage Broker

01/02/2026

Feature Funding Friday

Purchase financing completed for $900,000 using the bank-statement business income approach.
Traditional tax returns only supported a $125,000 mortgage, so we restructured the file and presented a clearer picture of the client’s true earning capacity.

A clean structure and proper packaging made the approval possible.

Refinance completed with a clear goal; access equity to secure the next property without selling the current one.We stru...
11/27/2025

Refinance completed with a clear goal; access equity to secure the next property without selling the current one.

We structured the file at $1,200,000, released $570,000 in equity, and kept the ratios clean enough to support the new purchase.

Call today to book an appointment
Pankaj Bhardwaj
Mortgage Broker
778-636-3210

11/25/2025

The purchase price is what you agreed to pay.
The appraisal is what the market is willing to support.
Two very different things.

If you have questions about how appraisals impact your approval, reach out.
Pankaj Bhardwaj
Mortgage Broker

11/18/2025

I see this one often; clients assume all OT and bonuses go straight into qualification.
Lenders rely on averages and stability, not just the latest year.

If you want a proper review of what a lender will use from your income, call or message me

Pankaj Bhardwaj

11/14/2025

Refinance completed to access equity for the client’s next purchase.
Structured to keep the file clean, maintain strong ratios, and support their long-term plan

Pankaj Bhardwaj

11/13/2025

Every file starts the same way: with structure.

Before anything goes out, we define the goal, organize the numbers, and make sure the file tells a clear story.

This is the foundation behind every approval.

Workflow Wednesdays: giving you a look at how it’s done behind the scenes

Pankaj Bhardwaj

11/11/2025

Every lender looks at rental income differently; some use 50%, others 80% or 90%, depending on the file, property, and program.
It’s never just about the rent number. It’s about how the file is structured and presented.

Getting that right can be the difference between an approval and a decline.

Pankaj Bhardwaj
778-636-3210

10/31/2025

Featured Funding Friday
Another refinance successfully completed; structured to reduce debt, lower carrying costs, and create a cleaner financial setup.

For mortgage planning, refinancing, or strategic lending advice, reach out anytime:
📧 [email protected]
📞 778-636-3210

Pankaj Bhardwaj
Helping clients structure smarter, not harder.

Congratulations to our clients for their mortgage approval! We were able to help our clients remove subjects with a quic...
03/15/2024

Congratulations to our clients for their mortgage approval! We were able to help our clients remove subjects with a quick mortgage approval at a 5.24% 3 year fixed rate for the Rental Property.

Call us today for all your mortgage needs

Pankaj Bhardwaj
778 636 3210

We were able to use our self employed client’s income based on their income deposits in their bank accounts to consolida...
02/11/2024

We were able to use our self employed client’s income based on their income deposits in their bank accounts to consolidate their Credit Card debts, CEBA loan, and LOCs to reduce their monthly payments by $2150.

Pankaj Bhardwaj
Mortgage Broker
778 636 3210

Address

Unit 244, 8138 128 Street
Surrey, BC
V3W1R1

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm

Telephone

+17786363210

Website

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