Refinancing
Put Your Home Equity to Work Your mortgage doesn’t have to stay exactly the way it was when you first set it up. As your…
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We start with a quick conversation to understand your goals and where you currently stand financially.
We’ll review:
- your timeline and priorities
- your current mortgage (if applicable)
- what you want to achieve (purchase, renewal, refinance, investment)
Based on your situation, we compare the best options available and explain the differences clearly so you can make an informed decision.
We review things like:
- interest rate options
- lender terms and restrictions
- penalties and fees
- prepayment options and flexibility
Once you’re ready to move forward, we guide you through the paperwork and make sure everything is submitted correctly and efficiently.
We’ll help you with:
- income and employment documents
- credit and debt review
- down payment / equity confirmation
- lender requirements
Once approved, we walk you through the approval details so you know exactly what you’re signing and what to expect next.
This includes:
- conditions and timelines
- commitment details
- rate hold (if applicable)
- closing requirements
We coordinate with the lender, lawyer, and other parties to ensure everything closes smoothly and on time.
You’ll have clear communication throughout, so nothing feels confusing or last minute.
Our relationship doesn’t end once your mortgage closes. We stay in touch and remain available for questions, future planning, renewals, and refinances.
Are you a First Time Home Buyer?
Explore the programs and incentives available to help you save, plan and buy with confidence.
Repeat Buyer
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Credit Challenges
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Business Owners
Your Income May Look Different. Your Mortgage Options Should Reflect That. Owning a business comes with flexibility, opportunity and a very different financial picture than…
First Time Home Buyers
Your First Home Starts With a Plan Buying your first home is exciting — but there’s a lot to figure out along the way. How…
Our Lenders
We’ll make sure that you get your mortgage from a trusted lender that will serve you best!
The lenders displayed below represent a curated selection of our lending network and do not constitute a complete list of our partners. Availability of specific lenders varies by loan type, qualification, and region. Contact us to learn more.
B2B BANK
B2B Bank firmly believes that as a socially aware company, their corporate goals and objectives should align with the priorities of all their clients, employees and community partners.
CHIP REVERSE MORTGAGE
The CHIP Reverse Mortgage® (once called The Canadian Home Income Plan) is 100% Canadian, provided by HomeEquity Bank, a Federally regulated, Schedule 1 Canadian Bank. Serving Canadians for over 30 years.
COMMUNITY TRUST
Whether you’re looking for a mortgage, a safe place for your savings, a loan or a registered investment account, our team members pride themselves in finding creative solutions.
EFFORT TRUST
The Effort Trust Company specializes in Financial Services, Real Estate and Asset Management. Effort Trust is entrepreneurially driven and continuously strives for excellence and quality service for all of our clients.
EQUITY FINANCIAL
We are an Alternative Mortgage Lender that deals exclusively with mortgage brokers and their clients. Our goal is to be the first choice for brokers & borrowers in the non/near prime mortgage market.
FIRST ONTARIO CREDIT UNION
More than 118,000 Ontarians choose FirstOntario for their financial needs – from chequing and savings accounts to loans and mortgages and highly qualified investment advice.
HOME TRUST
Whether it’s helping you to buy your first home, consolidate higher-interest loans and credit cards to save you money, or renovate your dream house, we’ve got the flexible alternative solutions to help you meet your goals.
ICICI BANK
ICICI Bank Canada is a wholly-owned subsidiary of ICICI Bank Limited which has its headquarters in Mumbai, India. ICICI Bank Limited is India’s largest private sector bank by consolidated assets.
MANULIFE
Manulife Financial Corporation is a Canadian multinational insurance company and financial services provider headquartered in Toronto, Ontario, Canada.
MERIDIAN
Meridian is are committed to our communities and helping communities across Canada by improving financial literacy, investing in our communities, engaging our employees, contributing to a healthier environment and supporting a strong co-operative sector.
NEW HAVEN MORTGAGES
New Haven Mortgage Corporation is a non-bank lender in Ontario that excels in the alternative mortgage market, a market place in which institutional lenders do not commonly participate and where the real estate is often overlooked due the current state of repair and/or rurality.
RMG MORTGAGES
RMG offers excellent interest rates and the industry’s most attractive mortgage options geared to helping you maximize your cash flow over a five-year term or a longer amortization period.
STREET CAPITAL
Founded in 2007 as Street Capital Financial Corporation, the company proudly operated as a successful residential mortgage lender for almost ten years before receiving approval to convert into a Schedule I bank.
BRIDGEWATER BANK
A Canadian Schedule I chartered bank with a portfolio of over $2.3 billion representing over 34,000 accounts across Canada. Established in 1997, Bridgewater Bank is a wholly owned subsidiary of the Alberta Motor Association (AMA).
CMLS FINANCIAL
CMLS Financial is one of Canada’s largest, independently owned mortgage services companies. Founded in 1974, we are proud to be Canada’s Mortgage Company™ for over 40 years.
CWB OPTIMUM MORTGAGES
Optimum Mortgage is a full service lender, providing personalized borrowing solutions. Offering a variety of products, including flexible solutions for clients who may not fit within traditional guidelines.
EQUITABLE BANK
Equitable Bank manages over $27 billion in assets and is a wholly owned subsidiary of Equitable Group. It was founded in 1970 as The Equitable Trust Company and has become Canada’s ninth largest Schedule I bank.
FIRST NATIONAL
On both the residential and commercial sides of First National’s business, they have grown and evolved, yet have maintained true to their values – trust, transparency, delivery, ingenuity, responsiveness and partnership.
FISGARD CAPITAL
Fisgard Asset Management (FAMC) is a well-established, independent management company and the Manager of both Fisgard Capital Corporation and Fisgard Capital II Corporation.
HOMEQUITY BANK
HomeEquity Bank makes retiring easy. As a Schedule 1 bank, we prioritize your security and comfort. Both the CHIP Reverse Mortgage and our Income Advantage offer flexible ways of supplementing your income.
MAGENTA MORTGAGES
Established in 1994, Magenta Capital Corporation (MCC) is one of Canada’s oldest and largest Mortgage Investment Corporation (MIC) managers with current mortgage assets under administration exceeding $300 million.
MCAP
MCAP is one of Canada’s largest independent mortgage financing companies, with over $71 billion in assets under administration. Operating residential and commercial mortgages & development finance.
MERIX FINANCIAL
MERIX Financial has an enviable record of building strong partnerships with leading Originators across the country. The Originators we partner with are committed to delivering the highest level of service standards. Providing residential mortgages to over 200,000 Canadians.
RADIUS FINANCIAL
Radius Financial is an approved lender with the largest Canadian mortgage insurers – Canada Mortgage and Housing Corporation (CMHC), and Genworth Financial. Their approved lender status allows us to offer products that meet a broad range of mortgage needs.
SCOTIABANK
Scotiabank offers personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets, through their global team of approximately 90,000 Scotiabankers.
TD CANADA TRUST
Serving more than 13 million customers nationally, TD Canada Trust provides a full range of financial products and services through its retail branch network, mobile app, telephone, Internet banking, and ‘TD Green Machine’ automated banking machines.