Mortgages by Aftab Singh Ladhar

03/30/2026

Most self-employed people aren’t getting declined because they don’t make enough…

They’re getting declined because of how their income looks on paper.

I see this all the time. Strong earners showing low income after write-offs, and the bank just says no.

But that doesn’t mean the deal is dead.

There are ways to structure these files properly and get approvals done.

If you’re self-employed and not sure what you qualify for, send me a message and I’ll point you in the right direction.

03/17/2026

Two hurdles, two approvals. 🏠✅
Whether you’re dealing with a past bankruptcy or a lower credit score, there is a path to homeownership and financial freedom.
Swipe to see:
1️⃣ The Fresh Start: An $865K purchase approved even with a bankruptcy within the last 7 years.
2️⃣ The Cash Flow Win: An $830K refinance that consolidated debt and saved the client $2,700 per month.
My job is to find the “Yes” when others say “No.” Stop guessing and start planning. 📈
DM me to review your scenario! 📩

03/12/2026

Found this video I recorded back in 2015
Was travelling from Stadium Chinatown to Patterson station
Interesting to see how real estate has developed all across Vancouver in the last 11 years

03/01/2026

01/30/2026

Struggling to get a mortgage as a self-employed borrower?

Major banks want 2 years of tax returns but your taxed income might be lower than your real earning power.
B lenders can help with 6 months of bank statements and approve you based on your gross income.
DM me to learn how you can get approved faster and for more.

01/27/2026

Thinking of buying a condo like this? Here’s what your mortgage payment could look like ☝️

2 bed, 2 bath modern condo in Downtown New West 🏙️ Floor-to-ceiling windows, EV parking, rooftop amenities & steps to SkyTrain

Monthly payments mentioned in the video
DM for mortgage information

12/25/2025

Merry Christmas & Happy Holidays 🎄🎅

12/23/2025

Grateful for an incredible year made possible by amazing clients, trusted referral partners and supportive lenders. Thank you for the trust, collaboration and celebration along the way. Another successful and amazing year ended. Looking forward to 2026 with great positivity and endless opportunities ✨💫

10/21/2025

Consumer price Index - Inflation rose 2.4%

🥪Food Prices increased 4%
🏠 Rent rose 4.8% nationwide
⛽️ Gas prices rose 1.9%

All these factors make it very favourable for a decrease in the interest rate on October 29th rate announcement.

DM me for more details

08/20/2025

Another purchase approved! 🎉 High-ratio mortgage locked in at just 3.69% ✅
Closing in 30 days and putting less than 20% down?
Unlock this great rate!

08/08/2025

3 Approvals in the first week of August ✅
1 Purchase 🏠 + 2 Second Mortgages 💵

The market is balanced right now - A great time for buyers and homeowners to explore their options.
Whether you’re looking to purchae or tap into your equity, approvals are happening.

Let’s connect and see how we can make things possible 📲📲