Mortgage Services
Where to start
Sixteen pages, grouped below by the situation you are actually in rather than by product name. Almost nobody arrives knowing whether they need a second mortgage or a home equity line of credit, and you do not have to. Pick the group that sounds like you. If none of them quite fit, tell us the situation and we will point you at the right one.
You are buying
Whether it is a first home or a fifth, the work is the same: establish what you can genuinely borrow, then make sure nothing between the offer and the closing date undoes it.
Purchases and Pre-Approvals
Start here. A real budget, not a website estimate.
Read more →First-Time Buyers
Every program you can claim, and the order to use them in.
Read more →New to Canada
Buying with a short Canadian credit history.
Read more →Vacation and Second Homes
Where the property matters more than you do.
Read more →
You already own
The two most expensive mistakes homeowners make are signing the renewal letter that arrives in the post, and leaving equity sitting idle while paying much higher rates elsewhere.
Your income does not fit a bank form
Being declined by your own bank tells you very little about the wider market. Lenders differ enormously in how they treat income that is not a simple salary, and that difference is most of what a brokerage is for.
Self-Employed
When write-offs make a good business look thin.
Read more →Bad Credit and Alternative
B-lender routes, and how to get back to an A lender.
Read more →Private Mortgages
Short term, asset based, and genuinely expensive.
Read more →Second and Third Mortgages
Borrowing behind an existing first mortgage.
Read more →
The property is the complication
Some files turn on the borrower. These turn on what is being financed, which means a narrower pool of lenders and a longer lead time. Talk to us before you write the offer rather than after.
How working with a brokerage differs from a bank
A bank can only offer you its own products. If you do not fit them, the answer is no, and nobody tells you which lender would have said yes.
We are not a lender. One application reaches chartered banks, credit unions, monoline lenders, alternative lenders and private funds, and we take the file to whichever of them fits it. On a straightforward salaried application that usually means better terms. On a complicated one it is frequently the difference between an approval and a decline.
Everything is handled online across Ontario. You apply from home, upload documents through a secure portal, sign electronically and speak to us by phone or video. All approvals are on approved credit, and we do not publish rate figures anywhere on this site.
Not sure where you fit? Tell us the situation, or run the numbers first with our calculators. If you would rather know who you are dealing with first, read about the brokerage.
Where we work
Everything here is available across Ontario. These pages cover the things that change from one city to the next, land transfer tax above all.
- Mortgage broker in TorontoTwo land transfer taxes, condos and pre-construction closings.
- Mortgage broker in MississaugaOne land transfer tax, and a mix of freehold and condo stock.
- Mortgage broker in BramptonMulti-generational households and self-employed income.
- Mortgage broker in VaughanNew builds, custom homes and construction financing.
- Mortgage broker in MarkhamNewcomers, work permits and foreign income.
- Mortgage broker in ScarboroughFirst-time buyers and older housing stock.
Start with a conversation, not an application
No obligation and no credit check to begin. Serving Ontario entirely online.