Disclaimer
Last updated: April 20, 2026All content published on abhishekgangal.ca ("the Website") is provided for general informational purposes only.
Not Financial, Legal, Tax, or Accounting Advice
Nothing on the Website should be interpreted as financial, legal, tax, or accounting advice, or as an offer, solicitation, or recommendation of any specific mortgage product. Borrowers should obtain advice appropriate to their personal circumstances from qualified professionals (including a mortgage agent, lawyer, tax advisor, or accountant as applicable) before making any mortgage-related decision.
No Guarantee of Approval or Terms
Mortgage approval is not guaranteed. All mortgage products, interest rates, terms, conditions, amortization periods, and loan amounts are subject to:
- Satisfactory credit, income, and property qualification;
- Lender underwriting criteria and policy limits;
- Federal mortgage stress-test requirements (generally qualifying at the greater of the contract rate plus 2% or 5.25%, subject to change);
- Default-insurer guidelines where applicable (CMHC, Sagen, Canada Guaranty);
- Verification of down-payment source under FINTRAC rules;
- Applicable federal and provincial laws and regulations.
All mortgage products referenced are offered "On Approved Credit" (OAC). Rates, programs, fees, and availability change frequently and may not be current at the time you read them.
Illustrative Rates & Calculators
Any interest rates, payments, amortization figures, or affordability ranges shown anywhere on the Website are illustrative only. They do not represent a specific offer or pre-approval, and they do not account for closing costs, property taxes, insurance, condominium fees, early-payout penalties, or lender / broker fees unless expressly stated. Your actual rate and qualification will be determined by a lender after a full application.
Third-Party Information
The Website may reference or link to third-party websites, lenders, government programs, news articles, or services. Such references are provided for convenience only and do not constitute endorsement. We do not control and are not responsible for the content, accuracy, availability, or privacy practices of third-party sites.
Testimonials
Any testimonials appearing on the Website represent the individual experience of the client at a specific point in time. They are not a guarantee, warranty, or prediction of your results. Outcomes depend on your specific financial situation, lender policies at the time of application, and market conditions.
Commercial & Private Lending
Commercial, alternative, and private mortgage products carry higher interest rates and often include lender or broker fees that will be disclosed in writing before you commit. These products are intended for situations that do not fit traditional prime-lender guidelines and should be evaluated carefully alongside a suitable exit strategy.
Subject to Change Without Notice
Product availability, lender policies, qualification standards, government programs, and regulations can change without notice. The Website may not always reflect the most current version. For up-to-date information specific to your situation, please contact us directly.
Regulatory Information
Abhishek Gangal is a licensed Mortgage Agent Level 1 in Ontario, operating through Dominion Lending Centres FC Funding (Brokerage Licence #10671), which is independently owned and operated under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) and regulated by the Financial Services Regulatory Authority of Ontario (FSRA, fsrao.ca).
Contact
Abhishek Gangal
Mortgage Agent Level 1 · DLC FC Funding (Licence #10671)
Email: mortgages@abhishekgangal.ca
Telephone: 289-834-9099