Have Any Questions?
(647) 526-7533
Have Any Questions?
(647) 526-7533
Fast. Fair. Flexible.

Mortgage Solutions You Can Trust: Across Ontario, BC & Alberta

Akal Elevate Mortgages helps first-time buyers, homeowners, and investors secure the right mortgage.

Core Values

Our values shape every decision, built on trust, simplicity, speed, accessibility, and personalized care.

Integrity

Honest advice first: always, not just a sale.

Client-First Service

Your goals shape every recommendation we make.

Clear Communication

No jargon, no surprises — just straight answers.

Reliable Service

Licensed, experienced, and here when you need us.

Mortgage Services

Our Featured Mortgage Services

Explore tailored solutions designed to meet your unique financing needs.

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Residential Mortgages
Purchase or renew your home loan with confidence.
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Commercial Mortgages
Financing built for business and investment property.
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Reverse-Mortgages
Refinancing
Access equity or get a better rate and term.
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Private Lending
Alternative options when traditional lending doesn't fit.
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Reverse-Mortgages
First-Time Buyers
Step-by-step guidance from pre-approval to closing.
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Self-Employed-Mortgages
Self-Employed Mortgages
Solutions built for non-traditional income.
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Book Your Free Mortgage Consultation
Call Us Anytime
(647) 526-7533

PROCESS

How It Works

Consultation

01

Review Options

02

Submit Application

03

Funding

04

Why choose us

Multiple Lenders

We compare top lenders to find your best fit.

Clear Communication

Honest updates, no jargon, every step of the way.

Customized Advice

Guidance tailored to your unique financial goals.

Professional Service

Licensed experts you can rely on, always.

Testimonials

What Our Clients Say About Us

5.0★★★★★43 Google reviews
★★★★★

Huge shoutout to Taj. I was honestly stuck and stressed, my previous mortgage guy completely messed things up and I didn't know where to turn next. Taj stepped in and literally saved the situation. He broke everything down, stayed patient the whole time, and found a solution when it felt like there were no options left. No pressure, no BS, just straight-up help when I needed it most.

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Aaliyah KGoogle review
★★★★★

Huge shoutout to Taj for helping us secure financing for a commercial property valued at around $8 million. This was a complex deal with a lot of moving parts, and he made it happen. Taj was knowledgeable, calm, and extremely responsive throughout the entire process. If you're looking for someone who truly understands commercial mortgages and can deliver on high-value deals, Taj is someone you can trust.

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Jack GopalakrishnanGoogle review
★★★★★

Appreciative of Tajwar and his relentless efforts in ensuring I had the best experience while getting my first mortgage. Tajwar is a strong communicator, reliable and honest. I definitely recommend working with him.

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Najiba SardarGoogle review
★★★★★

Tajwar provided exceptional assistance in securing pre-approval for our home purchase and obtaining a favorable mortgage rate. His responsiveness and proactive efforts significantly streamlined the home buying process. We highly recommend Tajwar for all your mortgage financing requirements.

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Hamza ShibliGoogle review
★★★★★

Tajwar was very helpful, friendly, and knowledgeable. He worked quickly and efficiently in helping us secure our mortgage with a very competitive rate. I would highly recommend his services to anyone looking for their next mortgage. Thank you, Tajwar!

H
Hassan SohailGoogle review
★★★★★

Great mortgage specialist — reliable, honest, and proactive. He made the entire process smooth and stress-free. We highly recommend him!

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Christina CaldasGoogle review
★★★★★

We had an amazing experience working with Taj on our mortgage, he answered all our questions and guided us dutifully. Highly recommended.

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Opuene Junior FiberesimaGoogle review
★★★★★

Exceptional experience! Time was of the essence, and Taj delivered impressively on short notice. Highly recommend!

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Fadi Matthew KazandjiGoogle review
Read all 43 reviews on Google
FAQ

Mortgage Questions, Answered

Quick answers to the questions we hear most from buyers and homeowners across Ontario, BC and Alberta. Want the full list? See all mortgage FAQs.

How much down payment do I need to buy a home in Canada?
For a home you will live in, the minimum is 5% of the first $500,000 and 10% of the portion between $500,000 and $1.5 million. Homes priced at $1.5 million or more need at least 20% down, and so do rental or investment properties. Anything under 20% requires mortgage default insurance. These are federal rules, so they apply the same way in Ontario, British Columbia and Alberta. Use our payment calculator to see how different down payments change your monthly cost.
What is the difference between pre-qualification and pre-approval?
The difference is verification. A pre-qualification relies on what you tell us; a pre-approval relies on documents a lender has actually checked. A pre-approval takes a little more effort up front, but it gives you a rate hold, a realistic maximum price and much stronger negotiating position when you make an offer.
Does using a mortgage broker affect my credit score?
Only minimally. We pull your credit report once and use that same report when we present your file to lenders, so you are not hit with a new hard inquiry from every bank you might have applied to on your own. A single mortgage inquiry typically moves a score by only a few points, and Equifax Canada groups mortgage-related inquiries made within a 45-day window so they count as one. Shopping through a broker is one of the gentler ways to compare lenders.
What happens if my bank declines my mortgage?
A decline from one bank is not the end of the road. Each lender has its own rules on income, credit and property type, and a file one bank turns down is often approved elsewhere with no change to the application. If needed, we can look at strengthening your file with a larger down payment, a co-signer or a short-term B-lender or private solution while you work toward an A-lender mortgage. Talk to us before you assume the answer is no.
Can self-employed borrowers qualify for a mortgage?
Absolutely. Self-employed clients across Ontario, BC and Alberta qualify every day, and the right approach depends on how your income is reported. A lenders generally look at a two-year average of your Notices of Assessment, while B lenders can use business bank statements or stated income supported by your invoices and contracts. We match your file to the lender whose rules work with the way you earn. Details on our self-employed mortgages page.
What happens when my mortgage is up for renewal?
Your lender will send a renewal offer, typically a few weeks before your term ends, but the first offer is rarely their best. Renewal is the ideal time to shop, and if you move to a new lender without increasing the balance or amortization, no stress test applies. We compare your lender's offer against the market, negotiate on your behalf and manage the switch if it saves you money. Ideally, contact us 4 to 6 months before your maturity date.

Residential Mortgages

Commercial Mortgages

Refinancing

Private Lending

First-Time Buyers

Self-Employed Borrowers

Residential Mortgages

Commercial Mortgages

Refinancing

Private Lending

First-Time Buyers

Self-Employed Borrowers

Ready to move forward?

Tailored mortgage solutions for first-time buyers, investors, and homeowners.

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