Personalized mortgage support you can trust

My team and I work with a number of lenders that we have close relationships with. We work with Chartered Banks and Monoline Banks (A Lenders), Credit Unions and Institutional Alternative Banks (B Lenders) as well as Private Lenders to ensure our clients have access to a variety of solutions for their unique situation.

We specialize in helping a number of different types of clients including:
1. Helping Self Employed Clients / Entrepreneurs / Commission Sales Executives,
2. Clients with existing and previous Bankruptcies and Consumer Proposals,
3. First Time Home Buyers,
4. Pre-Construction Closings,
5. Clients forced into a Power of Sale / Foreclosure,
6. Rent to Own Closings,
7. Estate Mortgages,
8. Older clients looking to leverage there equity by utilizing a Reverse Mortgage,
9. Quick / Tough Closings,
10. Clients with a low credit score (below 600),
11. Clients with Low Income,
12. Clients looking to increase their purchasing power and
13. Individuals looking for private mortgage options.

Yes! There are a number of ways for an individual to obtain a mortgage if they are currently in / previously had a consumer proposal or bankruptcy. If you are looking at purchasing a property, there are a number of lender programs that would allow you to proceed with 20% Down Payment or more (even with a credit score of 600 or less). Additionally, if you have completed your consumer proposal or bankruptcy and have 2 years of re-established credit history you would be eligible for a number of Chartered Bank Mortgage Programs.

Those who own a home would be able to refinance their homes and consolidate the bankruptcy or consumer proposal and any other debts they may have. We offer a number of mortgage lender programs that would allow individuals with bruised credit (sub-600 credit scores) to consolidate debt and put themselves in a better financial situation.

Typically a client would need to provide 2 most recent pay stubs, an employment letter, a picture of their drivers license and a mortgage statement and tax bill (if a refinance was required). More documents might be required based on the lenders conditions to provide the loan.

Please note, that we work with many equity and private lenders that do not need income verification. In these cases, the rates / fees might be higher depending on your situation.

Our team recommends to our clients that they start reviewing their mortgage options 90 – 120 days prior to their closing / renewal date. This provides clients the opportunity to take the best deal on the market and not feel pressured to take a last minute rate / mortgage option that might not be in a clients best interest.

Our team is currently licensed to complete mortgages all across Ontario. If you are interested in obtaining a mortgage outside of Ontario we have access to a number of Mortgage Co-Brokers in British Colombia, Alberta, Saskatchewan, Manitoba, New Brunswick, Newfoundland, and Prince Edward Island that we would be happy to connect you with.