“I consider him the best mortgage broker in the GTA. This was our second time working together, and both experiences were excellent.”
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Mortgage Solutions
Your Mortgage, My Aim
About Me
As an award-winning Mortgage Broker with 20+ years of financial sector experience, I specialize in mortgage solutions for self-employed clients, bad credit, private second mortgages, refinancing, and HELOCs at Mortgage Diligent Ltd.
I help families, entrepreneurs, and business owners navigate complex financing when banks say NO.
What I Do
- Self-employed mortgages using your overall financial profile
- Bad credit mortgage solutions with forward-looking plans
- Private second mortgages and equity access
- Refinancing and HELOCs for debt consolidation and financial needs
Why Clients Choose Me
Results-focused: I listen to your real story, analyze all details myself, and find the best solution for your needs. Easy to reach and well-versed in mortgage underwriting, I work with one goal:
Your Mortgage, My AimBook a Free ConsultationTrusted by homeowners
What Clients Say
Real experiences from clients who trusted Bharat with their mortgage journey.
“Absolutely outstanding experience working with my mortgage broker Bharat. The level of professionalism, knowledge, and dedication exceeded my expectations.”
“Working with Bharat was one of the best decisions we made during our home-buying journey. We truly felt like we were in good hands throughout the entire process. No stress at all from the start till the end of the process.”
“I shopped around for a mortgage with many brokers and banks, but no one came closer to what Mr. Batra offered us.”
“The advice and professional work saved me a lot of problems.”
“Happy with the results. This comes with many years of experience.”
“Bharat helped us get our mortgage approved in no time. He is highly motivated and dedicated to his clients. I will definitely recommend his services.”
“Awesome to deal with, highly professional, and he did a phenomenal job leading me through the process. Excellent guy and, of course, highly recommended!”
“Very courteous and professional, and makes sure that the job is done.”
“Great experience with Bharat. I am a first-time home buyer. Everything went smoothly, and Bharat guided me along the way.”
Helpful answers
Frequently Asked Questions
Select a question to view the answer.
How can I get a mortgage to buy my first home when the process feels overwhelming?
While many first-time buyers feel stressed by down payment confusion and a complex process, we offer step-by-step guidance to move you forward with clarity.
How can I manage high-interest credit card debt and fix my monthly cash flow?
If you are facing mounting debt and cash flow pressure, we can help you refinance your mortgage to consolidate those debts into one lower monthly payment and improve your cash flow.
Is there a way to access additional cash without losing my current low mortgage rate?
Life happens. For homeowners facing unexpected bills or expenses, a Home Equity Line of Credit (HELOC) offers flexible funds and interest-only options without requiring you to break your existing mortgage. We can help whether you are salaried or self-employed.
What are my options if a traditional bank has declined my request for urgent funds?
When you need urgent funds, a second mortgage offers a fast solution to unlock home equity in a lump sum without breaking your existing mortgage. We can help with fast approval and less paperwork.
Can I qualify for a mortgage as self-employed if my tax returns show low income?
Although self-employed professionals often struggle with traditional bank qualifications, we provide flexible income-based mortgage solutions that focus on your overall business strength.
Is it possible to secure a mortgage or additional funding if I have a bruised credit score?
Even if you have low credit, you can get a mortgage or additional funds based on your actual repayment ability.
How can I get a reverse mortgage to access funds without monthly payments or moving?
If you are 55 or older and live in your own home, a reverse mortgage lets you access tax-free cash from your home with no monthly principal or interest payments.
What should I do if I’m falling behind on property taxes or CRA payments?
Don’t panic. If you are facing arrears risk or financial stress, we provide emergency funding solutions to help you quickly unlock equity and meet your obligations.
How do I navigate the strict rules and complex documentation of commercial lending?
Business owners often face bank restrictions and slow approvals, but we can help you secure customized commercial solutions and business funding based on your revenue and property value.