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Honesty Please provide all important details to us. To process any credit application we will need to review your history. Lenders may understand negative items, but will surely reject an application with wrong information. Full disclosure is the best policy. Loyalty We work hard to assist you and strive to offer a high level of personal service. If you find a more competitive rate elsewhere, please let us know. Simply backing away following lender negotiations may jepoardize our relationships for the next client. Please maintain your integrity, loyalty and confidence in our service!

Mortgage Loan

Emergency Mortgage Toronto

85 Pulse – Emergency Homeloans

This ground-breaking new initiative allows our customers access to second mortgages for homeowners and emergency mortgage loans. For over 4 years, the “85-Pulse” program has been helping those in Ontario make it through some of the most difficult and stressful financial difficulties in their lives. The idea was very simple, provided that you are alive and kicking, our team would work to give you a home equity loan, for the value of 85 per cent of your property. You do not need to have proof of employment and bad credit is not a problem.

PUNEET GARG MORTGAGE ADVISOR is able to offer this type of emergency Mortgage loan without the usual checks and paperwork due to the source of our funds being private lenders. The major banks are unable to provide such great terms due to legislation and other concerns. The private lenders we represent are very interested in not only making a profit, but also helping those who have nowhere else to turn financially. This has helped a great many people get back on their feet after a period of unemployment or circumstances outside of their control. The success of the program has been phenomenal. We heartily encourage you to get in touch with us today to learn how we can help you.

We spoke to some of the people who have benefitted from the “Pulse 85” Program. One very grateful customer, Anita P. felt a huge relief after utilising the amazing service we offer to save her house. When we asked her about how she plans to make the payments on her mortgage when she has no income, Anita said, “We were four months behind on our mortgage and they saved our house. My husband has been unemployed for nine months. He won’t be unemployed forever. We used the 85-Pulse loan to pay off all our debts. We also had $25,000 leftover that we put in the bank for emergencies. And to make life easy, they worked it out so we have no mortgage payments for 12 months.” Anita P’s story is not unique; we help countless people in similar situations every day. We our proud that what we do can help people out of some of the direst financial circumstance to one of prosperity and comfort.

For more details on the ”85-Pulse” program, contact:



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