Mortgage services for every situation
Whatever you’re facing — buying, renewing, consolidating debt, or getting a “no” from the bank — there’s a path. Every page answers the real questions and shows the honest costs.
First-time buyers
Pre-approval
Refinancing
Renewal & switch
Debt consolidation
Home equity
Self-employed
Bad credit
New to Canada
Investment properties
Private & 2nd
Second mortgages
Third mortgages
Arrears & power of sale
Commercial
Reverse (55+)
Not sure which service you need?
Start with the question instead. The answer library covers the situations behind every service on this page — plain language, Ontario numbers, and no email required to read anything.
- A, B & Private Lending — what the tiers are, and which one fits you
- Credit & Mortgages — what your score decides, and what changes at 680
- Refinancing & Home Equity — how much you can borrow and what it costs
- Self-Employed — why a good business gets a bank decline
- Debt Consolidation & CRA Arrears — the debt banks won’t touch
- Costs & Fees — every fee, and who actually pays it
Where are you right now?
Pick whichever line sounds closest. I’ll tell you what usually matters most in that situation — then you can decide whether it’s worth a conversation.
Most of the useful work happens before you start looking. Knowing your real budget, what the stress test does to it, and what your down payment needs to look like on paper. A number from a calculator and a number a lender will stand behind are rarely the same.
A renewal is a financial checkpoint, not paperwork. The offer in the letter is rarely the only one available, and switching lenders is usually simpler than people expect. It is worth comparing before the date passes and the bank’s rate takes effect by default.
Often the issue is how the debts are structured, not only the rate. Consolidating can create real breathing room, but only if the new payment is sustainable and the fees do not outweigh the benefit. If the numbers do not help you, I will say so.
A decline usually comes down to one specific reason. Income documentation, debt ratios, credit, or the property itself. Once you know which one it was, you know whether a different lender or a different structure actually solves it.
Most self-employed clients do not have an income problem. They have a documentation problem. Your business may be strong while your declared income is not what a bank’s template expects. The fix is usually which lender and which documents — not a smaller price range.
How much you can borrow depends on the property, your credit and the lender tier. Worth getting the real number before you plan a renovation or a purchase around it — and worth comparing a refinance against a second mortgage rather than assuming one is cheaper.
No credit check to have a conversation, and no obligation. Rajiv Verma, Mortgage Broker · Mortgage Architects, FSRA Brokerage Licence #12728