Our Services

Borrowed Down Payment

With all mortgages, you need to have at least a 5% down payment saved up. Don’t have it? Don’t worry. We have mortgages available so you can borrow the down payment from a loan or line of credit and still get the best rates available. We can even help you set up the line of credit.

This is a great way to take advantage of low-interest rates and housing prices without having to wait while you save up the down payment. The minimal amount of interest you would pay on the loan, compared to the potential higher difference in future interest rates and housing prices, puts you further ahead when you buy now. Contact us today to find out how we can help you get into your dream home.


Whether you are a first-time homebuyer or an experienced buyer, we can provide you with access to the best mortgage products and rates across Canada.

Let us educate you about no-down-payment mortgages, self-employment programs, rental purchase programs, vacation property programs, and other financing alternatives before you make your purchase. We can help you get into your new home much sooner than you expect.


For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better discount, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate.

Refinancing is also a good option to pull out equity for consolidating debt, home improvements, investments, college expenses, and more.

Commercial Mortgage

A commercial mortgage is a loan taken out on commercial real estate. The borrower is generally a company or business as opposed to an individual. The business may be either a partnership, limited company or incorporated.

We help many of our clients obtain these Mortgages every year, such Mortgages usually include different type of properties such as Storefront with Apartments, Residential/Commercial Mixed. Multifamily 5 or more units, Commercial plaza, Offices, Industrials and Farm Land.

B Lending

Alternative mortgage lenders consider whether it “makes sense”

The alternative mortgage lenders, also known as “B Lenders”, that we deal with are willing to look at each situation on a CASE BY CASE BASIS. Yes, they have criteria you need to fulfill, but they are more able to look at the overall “story”. For example, if there was a bankruptcy or bad credit in your past, they want to understand why. If you’re running your own business and your tax return shows a low income due to all the writeoffs you’re taking advantage of, they will consider documentation that you have which might more accurately reflect your real income. This approach allows more leeway for you, the borrower, to show that you do qualify for a mortgage. If you are newly Self Employed, These lenders will consider your income based on industry type and the type of business.

These lenders price their risk and the rates are usually higher then A lenders, However these Mortgages allow our clients to enter the market and we often take them back to A lender once credit or income improves.

Private Lender

A private mortgage is an alternative source of financing given to an applicant by a private lender. It is normally sought after when a bank or B lender will not approve a borrower for a mortgage or a home refinance loan. Loan are usually short-term interest-only loans ranging from 6 months to 2 years. At our office, our experienced mortgage team specializes in finding the best private lender who will offer you the right option based on your financial situation. We do First, Second and Third Mortgages.

Business Financing

Starting or growing a business takes a lot of planning, hard work and most importantly capital, to make it all happen. That’s where business loans come into play. There are plenty of reasons to apply for a loan. As a business owner, you may want to secure financing to maintain business operations, invest in new equipment, expand locations, or hire more employees. One main advantage of a unsecured business loan is that you it allows you to manage your cash flow via standard monthly payments vs. fixed daily payments such as those required by merchant cash advances. Another Big reason why you may need Business Financing is when you are purchasing and already established business, Our Team has helped many small business achieve their goals, Let us know how can we help you.

Mortgages for Self Employed

With nearly 20% of all income earners in Canada being self-employed. we often wonder why it is so difficult for this growing demographic to obtain a mortgage. The first issue is the fact that income is not always easy to prove. Also, many business owners are motivated to expense as much as possible in order to minimize their taxes payable, which is something many lenders do not recognize.

Whether these clients are purchasing or refinancing, We love working with clients, as we work with Various lenders in the country, there are many products available for such borrowers, Some of these lenders allow us to state your income based on your business deposits in your Business accounts or Based on just one year Tax returns or based on your Business Financials (even when personal Income is Low) etc……

Construction Financing

As exciting as starting a multifamily Project or building a home designed around your needs and preferences is, it’s not without its challenges. Buying land for construction is a more involved process than qualifying for a mortgage, after all, and often requires a bigger down payment.

You’re still getting a mortgage, but with a different structure and approach than standard home ownership Even then, you’ve still got options.

Whether you are experienced builder/developer or individual who is just looking to Build your home. Let us take a closer look.