Your Trusted Mortgage Broker in Ontario
Bank Mortgage Rejection? Get Approved with Licensed Broker Abhishek Gopinath – Specializing in Alternative Mortgage Solutions Across Ontario.
Expert Brokers for Homeowners, Homebuyers & Investors
Looking for the best mortgage rates in Ontario? Whether you’re a first-time buyer, an investor needing private lending, or refinancing in Kitchener-Waterloo, we’re your trusted partner. Homeowners can also leverage their equity through refinancing or a HELOC—we’ll find you the most cost-effective way to access cash while keeping your payments manageable. As top-rated mortgage brokers in Ontario, we negotiate low rates from 850+ lenders—including banks, credit unions, and private mortgage lenders—so you save thousands.
Discover Tailored Mortgage Solutions at Mortgage with Abhishek
At Mortgage with Abhishek, we’re more than just mortgage brokers – we’re your dedicated partners in home financing. As locally-owned experts serving Kitchener-Waterloo, and communities across Ontario, we combine deep market knowledge with personalized service to help you secure the ideal mortgage solution.
Our mission is simple: to remove the stress and confusion from the mortgage process while saving you money. Whether you’re a first-time homebuyer navigating Ontario’s down payment requirements, a self-employed professional seeking flexible financing, or an investor needing private lending solutions, we have the expertise and lender relationships to make it happen.
What truly sets us apart is our commitment to education and transparency. We take the time to explain all your options in clear terms, ensuring you make informed decisions about one of life’s biggest financial commitments. With access to exclusive rates from major banks, credit unions, and private lenders, we work tirelessly to find the perfect balance of competitive rates and flexible terms for your unique situation.
Backed by years of experience and hundreds of satisfied clients, we’ve built our reputation on integrity, results, and putting your needs first. Let us guide you through Ontario’s dynamic real estate market with confidence – your dream home deserves nothing less
Our Services
Home Equity Loans
Unlock the equity in your home to access funds for home repairs, investments, or debt consolidation. Benefit from flexible terms and fast pre-approval to get the cash you need
Purchases & Pre-approval
Get a pre-approved mortgage to gain a competitive edge in the market. Feel confident in your budget and attract sellers with a strong, pre-approved offer
Mortgage Renewals & Refinancing
Refinancing your mortgage can help you secure a lower rate, reduce your loan term, or access your home equity. Let us guide you to the best refinancing options tailored to your financial goals
Alternative and Private Mortgages
Alternative and private mortgages offer flexible solutions for unique financial situations. Whether you’re self-employed, have less-than-perfect credit, have high debts or need a variety of options, we’re here to help you find the right fit.
Bad Credit or Low Income
Don’t let bad credit stand in the way of owning your dream home. Our team specializes in helping people with challenging credit secure the loans they need to buy a home
First time home buyer mortgage
Tailored to help first-time buyers achieve homeownership with flexible down payment options, competitive rates, and guidance through the mortgage process.
Second mortgage
Unlock the equity in your home with a second mortgage, offering additional financing for renovations, debt consolidation, or other major expenses
Self employed mortgage
Designed for self-employed individuals, these mortgages feature flexible income verification and customized solutions to meet unique financial needs.
Vacation or second home mortgage
Finance your dream getaway or investment property with tailored mortgage options for second homes or vacation properties.
Your Simple 4-Step Path to Mortgage Success in Ontario
At Mortgage with Abhishek, we make getting the best mortgage in Ontario straightforward and stress-free. Whether you’re a homeowner, first-time homebuyer, investor, or need private mortgage lending in Ontario, our proven process ensures you get the right financing—with expert support every step of the way.
Personalized Consultation
We start by understanding your unique needs—budget, timeline, and goals. Whether you’re exploring low down payment options or need fast private financing, we’ll explain all your choices in plain language.
Mortgage Pre-Approval
Get pre-approved in as little as 24 hours with competitive rates from our 850+ lender network (including banks, credit unions, and private lenders). Know exactly what you can afford before house hunting.
Property Search & Offer Support
As local mortgage experts in London & Kitchener-Waterloo, we help you:
✔ Evaluate homes within your budget
✔ Structure offers with financing in mind
✔ Navigate Ontario’s competitive market confidently
Smooth Closing & Move-In
We handle the final details—paperwork, lender coordination, and last-minute hurdles—so you can focus on your new home. Even after closing, we’re here for refinancing advice or future purchases.
Why Choose Abhishek for a Mortgage?
When you need a mortgage agent in Ontario who puts your needs first, Mortgage with Abhishek delivers better rates, faster approvals, and personalized service—whether you’re buying your first home, investing, or need private mortgage lending.
Get Your Mortgage Approval Plan in 24 Hours
Trusted by Homeowners Like You
Frequently Asked Questions
You’ll typically need:
✔ Proof of income – (pay stubs, tax returns, or business financials if self-employed).
✔ Government-issued ID – Details of your down payment if purchasing. Mortgage statement and property tax certificate if taking out equity from your home.
✔ Information about debts and assets – Property details (if you’ve already found a home)
Our mortgage agents help gather everything – just ask!
Yes! As alternative and private mortgage specialists in Ontario, we work with lenders who consider more than just credit scores. Even with:
✔ Low credit scores
✔ Self-employed income
✔ Past bankruptcies
We can often secure alternative and private mortgage solutions when banks say no.
A mortgage pre-approval:
✔ Shows sellers you’re a serious buyer
✔ Locks in an interest rate for 90-120 days
✔ Reveals exactly what you can afford
✔ Makes your offer more competitive in Ontario’s housing market
Nothing! We’re paid by lenders, not you. You get:
✔ Free rate comparisons
✔ Expert advice
✔ Better deals than going directly to a bank
✔ 5% for homes under $500,000
✔ 10% for the portion between 500 , 000 − 500,000−1.5 million
✔ 20% for homes over $1.5 million We’ll explain all your down payment options, including gifts and RRSP withdrawals.
Some private mortgages can close in 5-7 days vs. weeks for banks. Speed depends on your situation, but we prioritize urgent cases.
We shop 850+ lenders (banks only offer their own products)
✔ Better rates and exceptions
✔ Knowledge of local Ontario markets
✔ Personalized service from start to finish
