Fast approvals for residential and Commercial mortgages. Specialized in alternative financing
and power of sale relief across Ontario.
We provide tailored mortgage solutions for homeowners who don’t always fit traditional bank guidelines — including those who are self-employed, have bruised credit, or need fast access to home equity.
Flexible solutions for purchases, renewals, or switching lenders. With experienced mortgage experts helping you save!
Learn moreFlexible mortgage options based on your home equity — ideal if you’ve been turned down by the bank or need fast access to funds.
Learn moreCombine high-interest debts into one affordable monthly payment using your home equity.
Financing options for investment properties, multi-unit buildings, and commercial assets.
Use the equity in your home to consolidate debt, catch up on payments, invest, or cover major expenses with a second mortgage.
Learn moreAccess the equity in your home without monthly payments — ideal for homeowners 55+.
If you’re facing power of sale or behind on payments, we can help you explore fast financing options to protect your home and equity.
Learn moreTransition from renting to owning with structured programs designed to help you qualify.
I help homeowners across Ontario access clear, practical mortgage solutions — even in situations where the banks say no. Whether you’re self-employed, dealing with bruised credit, behind on payments, or facing tight timelines, my goal is to give you honest advice and options that actually make sense.
✔ over 25 Years of experience in mortgage lending
✔ Focused on complex and non-traditional situations
✔ Dedicated to clear communication and fast responses
★★★★★ Rated 5 Stars on Google
“Amazing service. Helped me get approved when the banks said no. Very professional, fast, and honest.”
-Shane S.
“Excellent communication. Helped with a second mortgage and debt consolidation — couldn’t be happier.”
Lynda B.
“Very knowledgeable and helpful from start to finish. Made the entire mortgage process much easier.”
Domenic V.
As the #1 alternative mortgage broker in Ontario, Centum CF helps homeowners find fast, flexible mortgage solutions when banks say no. Whether you’re dealing with bad credit, private lending needs, second mortgages, refinancing challenges, or power of sale pressures, our experienced team connects you with the best alternative lending options across Ontario. Whether you need to refinance your bank mortgage or need a second mortgage, private lending, or urgent power-of-sale support — we’re here to help.
Centum Chartered Finance
302-7300 Warden Avenue Markham Ontario
FSRA Brokerage Lic#12791 - Broker Lic#11002425
Phone: (800) 609-9830
Email: rick@chartered-finance.com
Helping Ontario homeowners access practical mortgage solutions with clarity and confidence.
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