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My Rates

6 Months 6.09%
1 Year 4.84%
2 Years 4.39%
3 Years 4.04%
4 Years 4.39%
5 Years 4.19%
7 Years 4.75%
10 Years 5.10%
6 Months Open 9.75%
1 Year Open 9.75%
*Rates subject to change and OAC
AGENT LICENSE ID
M19002425
BROKERAGE LICENSE ID
10252
Bharat Batra Mortgage Broker

Bharat Batra

Mortgage Broker


Phone:
Address:
1305 Matheson Blvd E, Mississauga, Ontario, L4W1R1

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Bharat Batra

Mortgage Broker | Ontario

Your Mortgage - My Aim !

 

🏠 Mortgage Solutions for Self-Employed & Business Owners in Ontario

 

If you’re self-employed, a business owner, or an entrepreneur in Ontario and you’ve been told
❌ “you don’t qualify” — you’re not alone, and you’re not out of options.

 

🀝 Bharat Batra is the mortgage broker who listens first, understands your story, and builds a solution that works for your real financial life.

 

With πŸ•°οΈ over 20 years of experience in the financial sector, Bharat brings deep industry knowledge, strong lender relationships, and a calm, empathetic approach to every client interaction. He specializes in mortgage solutions for self-employed individuals and business owners whose income, credit, or structure doesn’t fit traditional lending models.

 


 

πŸ’Ό Mortgages Designed for Business Owners — Not Bank Checklists

 

Bharat understands that business owners don’t always pay themselves in neat pay stubs — and that doesn’t mean they’re not financially strong.

 

πŸ” Areas of Expertise:

🏒 Self-Employed & Business Owner Mortgages (Ontario)
πŸ“Š Low Personal Income / Strong Business Income Solutions
🧾 Stated Income & Bank Statement Mortgages
πŸ’³ Bruised Credit & Credit Rebuilding Strategies
πŸ’° Down Payment Support 
🏦 B-Side Mortgages with Excellent Rates & Flexible Terms
πŸ” Private Mortgages with Clear Exit & Long-Term Planning
πŸ”„ Refinancing, Equity Take-Outs & Debt Consolidation
⚑ Fast Approvals & Time-Sensitive Mortgage Solutions

 

Whether you’re purchasing a home, refinancing, or restructuring debt, Bharat focuses on
βœ… what can be done — not what can’t.

 


 

❀️ A Compassionate Approach Backed by Strategy

What sets Bharat apart is not just access to lenders — it’s how he advocates for his clients.

βœ” Empathetic, Judgment-Free Guidance
βœ” Clear, Honest Advice — No Pressure
βœ” Access to Prime, B-Lenders & Private Funding
βœ” Fast Turnarounds When Timing Matters
βœ” Long-Term Credit & Mortgage Planning

 

Many clients start with alternative or private mortgage solutions and
πŸ“ˆ strategically transition into stronger credit, better rates, and prime lending over time.

Every recommendation is made with your future in mind, not just today’s approval.

 


❌ Declined by the Bank? Let’s Talk.

 

If you’ve been told:

🚫 “Your income doesn’t qualify”
🚫 “Your credit needs work”
🚫 “Your business structure is too complex”
🚫 “You need more time before approval”

 

It doesn’t mean your goals are out of reach.
It simply means you need a mortgage broker who understands self-employed realities.

 


 

🎯 Your Mortgage. My Aim.

 

Bharat Batra combines experience, compassion, and problem-solving expertise to help Ontario’s business owners and entrepreneurs secure mortgages with confidence and clarity.

 

πŸ“ž Book a confidential consultation today and take the next step toward your mortgage solution.

 

 


BLOG / NEWS Updates

CMHC: Canadian Home Sales Begin 2026 on Ice as Snow Buries Central Canada

The number of home sales recorded over Canadian MLS Systems fell 5.8% on a month-over-month basis in January 2026. The monthly decline in national home sales was driven primarily by less activity in the Greater Golden Horseshoe and Southwestern Ontario, suggesting that the story was probably more about a historic winter storm than a downshift in demand, said Shaun Cathcart, CREAs Senior Economist. Notwithstanding the chilly start to the year, we continue to expect 2026 will ultimately be defined by pent-up demand from first-time buyers finally seeing a chance to enter the market. January Highlights: National home sales declined 5.8% month-over-month. Actual (not seasonally adjusted) monthly activity came in 16.2% below January 2025. The number of newly listed properties jumped 7.3% on a month-over-month basis. The MLS Home Price Index (HPI) fell 0.9% month-over-month and was down 4.9% on a year-over-year basis. The actual (not seasonally adjusted) national average sale price dipped 2.6% on a year-over-year basis in January 2026. Similar to what happened in January 2025, new supply jumped on a month-over-month basis in January 2026, rising 7.3% as sellers seemed eager to get the year started. The burst of new supply was driven by about two-thirds of local markets, and led by Montreal, Quebec City, Calgary, Greater Vancouver, and Victoria. Meanwhile, Central and Southwestern Ontario were far less prominent and, in many cases, recorded declines. This reinforces the view that winter weather was a primary factor in January in those regions, as it appears to have suppressed both demand and supply. https://www.crea.ca/media-hub/news/home-sales-in-canada-end-2025-quietly-2/

CMHC: Housing Market Outlook 2026

Canadas economy is expected to grow slowly in 2026, as the following factors weigh on demand: geopolitical and trade uncertainty, significantly lower population growth, soft labour markets and modest income growth. Growth is projected to improve slowly in 2027 and 2028. Housing demand is projected to gain momentum while sales stay below historical averages and prices show only modest gains after falling in 2025. New home construction is set to decline through 2028 as developers face high costs, weaker demand and more unsold homes. Condominium starts will be especially weak. Rental projects will continue to drive new supply but will moderate over the forecast period. Rental markets are moving toward balance from an overall national perspective as new supply eases pressure and rent growth slows, giving renters more flexibility before buying a home. Regional housing markets vary significantly. Construction and home sales in Ontario and British Columbia will be weaker than their 10-year averages while, in the Prairies and Quebec, they will remain above their historical averages. Ontario is the only region expected to see price declines in 2026. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook

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