bhardwaj_co

Helping Edmontonians find their dream home is not just a job for us—it’s an honour!

We’re incredibly grateful for the trust our clients place in us, and we pride ourselves on being there every step of the way, offering guidance and support.

Whether it’s your first home or your next big move, we’re here to ensure the process is smooth and stress-free. 🏡

A special thank you to our clients who trust us with the biggest purchase of their lives! Your satisfaction means the world to us

You can read the full review here:

“Very professional, yet friendly and down-to-earth, with extremely friendly service. Prompt and thorough, yet willing to go the extra mile. Highly recommend. Used them twice now for real estate matters. Couldn’t imagine going anywhere else to be honest.”

Thank you for allowing us to be part of your home-buying journey! 😊💼

Before you sign your mortgage agreement, here are 5 tips you can’t afford to miss!

1. Fixed vs. Variable Rate: Choosing between a fixed-rate or variable-rate mortgage can drastically impact your finances. Fixed rates provide stability, but variable rates might offer lower initial payments. Be aware, though, that variable rates can increase over time, leading to unpredictable expenses

2. Prepayment Penalties: Planning to pay off your loan early? Not so fast—some loans come with prepayment penalties. These fees can take a chunk out of your savings, so check for them upfront to avoid surprises.

3. Mortgage Insurance: If your down payment is under 20%, mortgage insurance is likely required. While this helps you secure the loan, it adds to your monthly payment and could stay for years unless you plan to remove it strategically.

4. Hidden Fees: Don’t overlook the fine print! Loan origination, processing, and admin fees can add up. Ensure you know all the costs before committing to avoid unexpected financial stress later.

5. Grace Periods: What happens if you miss a payment? Some lenders offer grace periods, but others may impose harsh penalties or even start foreclosure. Understand your lender’s policies to protect yourself from long-term consequences.

Save this post for when you’re ready to buy, share it with someone preparing for a mortgage, or drop a comment if you have any questions about the process!

Joselyne Phan is the Office Manager at our Edmonton location. It’s because of Joselyne that both Puneet and Gary can focus on providing quality legal services to their clients. Whether it’s managing phone calls, coordinating the lawyers calendars, she’s the one that makes everyone at Bhardwaj+Co look good.

In addition to her responsibilities as an Office Manager she has also embraced the role as the firms Conveyancer and Corporate Paralegal.

Gurveer (Gary) Gill is an Associate at Bhardwaj+Co. He can assist in all matters related to Employment. If you have been recently fired you should speak with Gary immediately! He can review your severance package and advise you of your entitlement. If you were not provided severance he can also assist in negotiating on your behalf. Gary’s experience includes negotiating over 6 figure settlements in severance.

Gary also routinely assists businesses and business owners with their Employment Contracts. Lastly, Gary can be called upon if you require Civil Litigation for a broad spectrum of business disputes.