Every mortgage file starts
with a situation.
Not a rate. Pick the one that matches yours and get the playbook — capture form, real math, and a licensed broker who's handled that exact file before.
Most common
Declined by the bank
A rejection at your branch isn't a rejection at 45+ other lenders. Send us the decline letter, get a real answer in 24 hours.
Self-employed · bruised credit · new to Canada · high TDS
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Most common
Mortgage renewal
Your renewal letter is a starting bid. Understand the 120-day rate hold, blend-and-extend, and refi-at-renewal options.
2025–26 renewers · rate-shock avoiders
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Most common
Refinance / debt consolidation
Roll $60k of 22% credit card debt into 7.5% mortgage debt. Free side-by-side plan with break-even math on any penalty.
High-interest debt · HELOC add-on · equity take-out
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Specialty
Pre-construction closing
85% of 2020–22 GTA pre-con units are appraising below purchase price. Shadow appraisals, B-lender workouts, bridge financing.
Condo closings · appraisal gaps · interim occupancy
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Specialty
Investment property
1–4 unit rentals, BRRRR strategies, portfolio limits. Route across A, B, and DCR-based lenders for the right cash-flow structure.
Landlords · BRRRR · portfolio investors
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Getting started
First-time home buyer
Stack HBP + FHSA + LTT rebates + insured 30-yr amortization. Real qualification number, not a rate quote.
FTHBs · under 20% down · saving in RRSP/FHSA
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Getting started
New to Canada
Every Big 6 has a newcomer program with different underwriting. Route your visa + credit + down-payment profile to the fit.
PR · work permit · study permit · ITIN files
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Specialty
Reverse mortgage
Turn home equity into tax-free cash without moving out. No monthly payments, no requalifying — for Canadian homeowners 55+.
Homeowners 55+ · retirement income · aging in place
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Don't see your situation?
The general path still works
Every situation above eventually funnels into the same 15-minute broker conversation. If yours isn't listed — second homes, cottages, US real estate, commercial 5+ unit, private banking clients — start on the general apply page and we'll route from there.
General Apply →