MKG Mortgages
Practical notes for homeowners across the GTA, led from the North York office, including Toronto, Vaughan, Mississauga, Brampton, Oakville, and Milton. Written by Micky Khaneka, licensed mortgage broker. New pieces are shared on LinkedIn first, then published here.
Guides
Micky Khaneka, licensed mortgage broker
A legal second unit can be financed when the city allows it and the lender can use the rent. This note covers Toronto and North York suites, and the CMHC refinance that funds the build.
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Micky Khaneka, licensed mortgage broker
A legal basement suite in the GTA can help a buyer qualify when a lender uses the rent. Here is how offset and add-to-income work, and what the rent does to the monthly cash you actually need.
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Micky Khaneka, licensed mortgage broker
The 2026 new-home HST rules are two different rebates. This note separates the first-time buyer GST/HST rebate from Ontario's enhanced new housing rebate, with the CRA pages checked on October 18, 2026.
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Micky Khaneka, licensed mortgage broker
Under $1.5 million, an owner-occupied purchase can still be insured. This note shows the down-payment math, the first-time programs, and where the stress test stops at renewal.
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Micky Khaneka, licensed mortgage broker
A low line on your notice of assessment does not end a GTA mortgage file. Here is how insured, conventional, and alternative programs read the business behind that number, using legitimate documents.
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Micky Khaneka, licensed mortgage broker
A self-employed mortgage in the GTA is built from notices of assessment, the tax return, business records, and bank statements that match. Here is the package lenders actually read.
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