We help homeowners use their equity to solve real financial problems — even with bad credit or complex situations. Reach out Today to Speak to one of our Licensed Mortgage Specialist — Helping Homeowners in Ontario Since 1995. Secure, Fast, No obligation.
Flexible B-lender mortgage solutions for self-employed borrowers, credit challenges, newcomers, and anyone who doesn't qualify with the banks.
✔ Approvals in 24–48 hours
✔ Programs starting at 580+ credit
✔ Lower cost than private lenders
1️⃣ Flexible for Self-Employed
Bank statements, deposits, and alternative income accepted.
2️⃣ Credit-Friendly Options
Approvals for 580+ credit scores and rebuilding clients.
3️⃣ Faster Approvals
Get a decision within 24–48 hours.
You can use a second mortgage to:• Consolidate high-interest debt
• Pay off CRA or tax arrears
• Stop foreclosure or power of sale
• Fund home renovations or repairs
• Cover legal, medical or family expenses
• Improve cash flow without refinancing your first mortgageA second mortgage sits behind your first mortgage and allows you to unlock your home’s equity without disturbing your existing rate or terms.
Perfect If You Are…
Self-employed or business owner
New to Canada
Credit challenged (580+)
Recently declined by a bank
Carrying high debt
Dealing with inconsistent income
Need a short-term solution to get back to A-lender rates
Tell us your situation. No credit check, no obligation.
We pair you with a regulated non-bank lender who fits your profile.
Fast funding options for purchases, refinances, debt consolidation, or equity take-out.
Are non-bank mortgages safe?
Yes. These are regulated lenders — NOT private or unlicensed lenders.
Are rates higher?
Rates are mid-range and lower than private lenders.
Do I need perfect credit?
No. Many clients get approved with 580+ credit scores or recent issues.
Will this affect my credit?
No — your initial assessment does not require a credit pull.
We help homeowners across Ontario get fast, confidential approvals — even with bruised credit or urgent timelines. No credit check required to start.
