Six products, one file

Whateverthe situation,there is a route.

Purchases, equity take-outs, term ends, speed, credit repair and self-employment. Six products, all placed across the same network of 50+ lenders, with partners in Ontario, British Columbia, Alberta and Saskatchewan.

See if I qualify Or call 416 230 2920 →

01Purchase

Home purchase

A pre-approval tells you what you can actually spend, holds your rate while you shop, and makes your offer credible to a seller. It takes about a day and costs nothing.

5% Minimum down payment on the first $500,000 of the price
550 Conventional mortgages available with credit scores from here
40 yr Amortization options where the lender and product allow

02Equity

Refinance

Refinancing replaces your existing mortgage with a new, larger one and hands you the difference. Done for the right reason it clears expensive debt and lowers what you pay every month.

80% Maximum loan-to-value on a refinance in Canada
1 Payment, replacing however many you are juggling now
2nd And third mortgages can be rolled into the new first

03Term end

Renewal

Over 65% of Canadians sign whatever their lender mails them. On a $500,000 mortgage, half a point of rate is worth roughly $13,000 over a five-year term.

65% Of Canadians renew without questioning the rate offered
120 d Free rate protection before your maturity date
30 d Notice most lenders give you — barely enough to shop

04Speed

Private mortgage

Private lending looks at the property first and the paperwork second. Approval turns on equity, not on a score — and it closes fast, because that is usually the entire point.

90% Of property value available on some private files
1st & 2nd Position lending against Ontario real estate
Days Not weeks, when the file and the exit are clean

05Recovery

Bad credit

Bankruptcy, a consumer proposal, a rough year — none of it makes you unfinanceable. It changes which lender you belong to, and what the road back looks like.

24 h Typical turnaround on a complete file
Equity Weighs more heavily than the score
12 mo A realistic path back to conventional lending

06Income

Self-employed

Your accountant minimizes your taxable income and your lender reads that same line as your income. Stated-income and bank-statement programs exist precisely because that is a bad measure of a business.

2 yr Of business history most programs want to see
6–12 mo Of bank statements can stand in for tax returns
Gross-up Applied to declared income by many lenders

Not sure which one you need?

Most people arrive certain they need one thing and leave with another. Someone convinced they need a private mortgage often qualifies with an alternative lender at half the rate. Someone asking about refinancing sometimes just needs to renew properly.

That is the conversation, and it costs nothing. Fifteen minutes on the phone establishes which of these six you actually belong in — and whether there is a deal at all.