Disclaimer

This website is operated by Abhi Bathla, a licensed Mortgage Agent Level 2 (FSRA Lic. #M16001438) with Dominion Lending Centres National Ltd. (FSRA Brokerage Lic. #12360), independently owned and operated. The information below explains the limits of what this website, and the Mortigator AI assistant featured on it, provide.

1. Not Professional Advice

All content on this website — including responses generated by the Mortigator AI assistant — is provided for general informational and educational purposes about private and alternative mortgage financing in Ontario. It does not constitute, and should not be relied on as, financial, mortgage, legal, tax, investment, or insolvency advice. Your circumstances are unique — speak with a licensed professional before acting on anything you read or are told here.

2. No Offer, Pre-Approval, or Guarantee of Financing

• Nothing on this website, and nothing communicated by Mortigator, constitutes an offer to lend, a pre-approval, a commitment to lend, or a promise that financing will be available.
• Every mortgage solution is subject to lender criteria, underwriting, property appraisal, and applicable law.
• Eligibility, availability, and the terms of any mortgage depend on a full review of your situation by a lender — not on this website or its AI assistant.
• Submitting the assessment survey, chatting with Mortigator, or contacting us does not create a broker-client relationship until expressly agreed in writing.

3. About “Mortigator” — the AI Assistant

“Mortigator” is the name of the AI assistant featured on this website. It is not a mortgage brokerage, a licensed individual, or a trade name of any brokerage. Mortigator is a software tool that answers general questions and gathers preliminary information from visitors on behalf of Abhi Bathla. All mortgage brokering activity referenced on this site — including advice, applications, and lender submissions — is carried out personally by Abhi Bathla, a licensed Mortgage Agent Level 2, through Dominion Lending Centres National Ltd. (FSRA #12360). Responses from Mortigator are automated, may be incomplete or occasionally inaccurate, and should not be relied upon as a substitute for a conversation with a licensed mortgage professional.

4. Estimates & Calculators Are Illustrations Only

Any figures generated by tools on this website — including the equity calculator — are simplified illustrations based solely on the inputs you provide. They are not quotes, appraisals, or offers, and the amount any lender will actually advance may be materially different. These tools do not account for your full financial picture, the lender's requirements, or the results of a professional property appraisal.

5. Private & Alternative Lending

Private and alternative mortgage solutions are designed for borrowers whose needs fall outside traditional bank lending. They are generally intended as short-term, bridge solutions, and the overall cost of borrowing is typically higher than that of traditional financial institutions. Abhi Bathla works with each client toward a realistic exit strategy back to mainstream financing where possible. The suitability of any solution depends on your individual circumstances and will be discussed with you directly before you commit to anything.

6. Third-Party Links, Lenders & Service Providers

This website may reference or link to third-party lenders, services, AI/automation providers, or resources. We do not control and are not responsible for the content, products, policies, or practices of any third party. References to lenders or lender types are for general information and are not endorsements or guarantees of availability.

7. Testimonials & Results

Any testimonials, case studies, or examples referenced on this website reflect individual experiences and results. Past results do not guarantee or predict similar outcomes for any prospective client — every file is evaluated on its own merits by the lender.

8. Accuracy & Changes

We work to keep this website and the Mortigator AI assistant accurate and current, but make no warranty that the information provided is complete, error-free, or up to date. Mortgage products, lender criteria, and regulations change frequently. Content may be updated or removed at any time without notice.

9. Regulatory Information

Mortgage brokering activities in Ontario are regulated under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) and overseen by the Financial Services Regulatory Authority of Ontario (FSRA). Abhi Bathla is a licensed Mortgage Agent Level 2 (FSRA Lic. #M16001438) operating through Dominion Lending Centres National Ltd. (FSRA Brokerage Lic. #12360), independently owned and operated. All mortgage transactions are arranged through the licensed brokerage.

10. Contact

Questions about this Disclaimer? Reach out:
Abhi Bathla, Licensed Mortgage Agent Level 2 — Lic. #M16001438
Dominion Lending Centres National Ltd., FSRA #12360 · Independently Owned & Operated
Email: info@mortigator.com
Phone: (416) 735-4552