Avaljit Sandhu - Mortgage Professional- DLC Mainstream Mortgages

09/21/2025

09/07/2025

🇨🇦 You save at least 10% of your income🇨🇦 You pay off your credit card in full each month🇨🇦 Your debt-to-income ratio is under 40%🇨🇦 You’ve got 3+ months of expenses saved🇨🇦 You’re contributing to RRSP/TFSA regularly➡ Caption: If you check even a few of these boxes, you’re ahead of most Canadians 👏

08/24/2025

Mortgage payments are rising while home values have cooled in many markets. If your renewal is coming up, don’t wait for the lender letter—shop options 6–9 months early. We’ll compare switch vs. blend/extend, fixed vs. variable, payment + amortization strategies, and prepayment moves so you’re not hit with avoidable “payment shock.”
I’ll run your real numbers (income, debts, taxes, heat) and map a plan. DM “Start” for a free renewal check-up.

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08/22/2025

Your mortgage payments are about to rise significantly—at the same time your home’s value may be falling.

This puts a lot of retirement strategies at risk, especially for the 44% of Canadians planning to sell their home to fund retirement.

Here’s the reality:
• 60% of mortgages renew in the next 18 months
• Payments will jump 10–20% for most households
• CMHC forecasts national home price declines in 2025

Selling into a soft market isn’t a strategy—it’s a gamble.

That’s why I’ve built a step-by-step checklist that shows you your options before the market decides for you.

👉 Comment PLAN below and I’ll send it to you.

08/15/2025

💡 Want to save thousands on your mortgage? These 6 tips work for Canadian homeowners and first-time buyers alike.

🏠 Whether you’re just starting out or already have a mortgage, small changes today can mean big savings tomorrow.

📩 DM me if you want a personalized mortgage savings plan — I’ll run the numbers for you.

📍 Winnipeg Mortgage Agent | Helping Canadians save money and own their homes sooner.

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08/14/2025

🇨🇦 Canada’s housing crisis is no accident
We blocked foreign investment, tightened construction financing, and made it harder for buyers to qualify — while still promising to double housing production.

The result?
🚫 Fewer homes built
📉 Lower buyer purchasing power
💸 Rising prices that outpace incomes

Without policy change, the supply gap will keep growing — and affordability will get worse before it gets better.

💬 What’s the ONE thing you would change to fix the housing crisis?

08/11/2025

🌱 Small steps compound.
You don’t have to overhaul your life in a day.
Read 5 pages. Save $10. Walk for 15 minutes.
Do it again tomorrow. And the day after.
The results will feel like magic — but it’s just momentum.

#ᴍᴏᴛɪᴠᴀᴛɪᴏɴᴍᴏɴᴅᴀʏ

08/09/2025

Your mortgage approval isn’t just about your credit score — it’s about the story your documents tell. 📝💡
One missing detail can delay or derail your deal entirely.

I review files every day, and the difference between an easy approval and a stressful closing often comes down to:
✔️ Accurate job letters
✔️ Paystubs that match your income
✔️ Clean down payment history
✔️ Knowing what’s required for your status in Canada

Strong file = strong offer.
Weak file = problems.

If you’re buying in 2025, get your paperwork reviewed early so there are no surprises when you find your dream home.”