Mortgage services crafted for visionary borrowers

We negotiate competitive rates and secure approvals quickly so you can shop with assurance. Expect full documentation support, rate holds, and advice on closing costs, insurance, and amortization strategies.

• Market-ready mortgage pre-approvalsLock-in rates up to 120 days with documentation packaged for real estate offers.
• Stress test coachingUnderstand how the OSFI stress test affects your approval ceiling and payments.

We simplify the approval process, explore down payment incentives, and forecast all costs so first-time buyers feel confident on offer day.

• Government incentive navigationMaximize RRSP Home Buyers’ Plan withdrawals, tax credits, and shared equity programs.
• Budget-friendly term selectionCompare fixed vs. variable structures with transparent break-even analyses.

Limited Canadian credit history doesn’t need to slow you down. We partner with lenders offering tailored newcomer programs and alternative documentation approval paths.

• Alternative credit reviewUse rental history, international banking, or employment letters when traditional credit is thin.
• Settlement supportGuidance on banking, insurance, and settlement service referrals to get you established quickly.

Whether renewing or refinancing early, we evaluate the numbers to see if consolidating debt, investing, or adjusting your amortization delivers meaningful savings.

• Penalty & break-even analysisUnderstand payout costs and how long it takes lower rates to produce net savings.
• Equity planningLeverage home equity to invest, renovate, or fund education with smart payback schedules.

Tap into revolving HELOCs or blended solutions that keep monthly payments manageable while delivering the funds you need to execute your plans.

• Second-position financingLayer a line of credit or second mortgage while preserving your existing first mortgage rate.
• Flexible repayment optionsInterest-only or accelerated principal repayment options aligned with your cash flow.

We negotiate special lending programs that recognize professional income trajectories, extended schooling, and partnership buy-ins.

• Preferred rate programsAccess lending tiers reserved for designated professionals with lower down-payment minimums.
• Income averaging strategiesPresent income in the most favourable light, including stipends, billings, and retained earnings.

We use bank statement and equity programs to represent your true earning power when traditional T4 income is unavailable.

• Bank statement underwritingLeverage 3–12 months of business deposits to demonstrate consistent revenue.
• Low-doc lender accessTap our network of institutional and alternative lenders comfortable with retained earnings and add-backs.

When timing is critical or circumstances are outside conventional guidelines, we structure private first or second mortgages with clear exit strategies.

• Fast closingsSecure interim financing in days, not weeks, to hold deals together or complete renovations.
• Defined exit planWe set timelines and milestones to transition you back to institutional lending as soon as possible.

We leverage lender appetite for pedestrian-friendly, income-diverse properties by highlighting zoning compliance and tenancy strength.

• Cap rate positioningBenchmark recent sales and NOI to justify target loan amounts.
• Tenant diversification analysisShowcase residential-retail mixes that stabilize cash flow for lenders.

We demonstrate covenant strength, long-term leases, and site improvements to secure aggressive loan-to-value ratios and amortization schedules.

• Environmental due diligenceCoordinate Phase I & II reports and mitigation plans to clear underwriting quickly.
• Special-use considerationsNavigate equipment-heavy or single-tenant risks with alternate exit scenarios.

Present occupancy histories, anchor tenant strength, and redevelopment plans to capture financing that keeps your plaza vibrant.

• Anchor tenant negotiationShowcase lease covenants and renewal options that underpin lender confidence.
• Value-add strategiesFinance façade, parking, or mix-use conversions with tailored draw schedules.

We build cases around diversified tenancy, covenant strength, and adaptive reuse to secure flexible covenants and rates.

• Absorption & renewal modellingDemonstrate cash-flow resilience through leasing pipelines and renewal histories.
• Transition financingAccess bridge funding while repositioning assets toward hybrid or flex-office concepts.

We source land loans based on appraised value, zoning status, and exit strategies, ensuring development timelines stay intact.

• Entitlement roadmapsAlign loan terms with planning milestones, servicing timelines, and lot release schedules.
• Servicing cost coverageIncorporate interest reserves and carrying cost budgets into lender proposals.

From infill homes to mid-rise projects, we manage budgets, appraisals, and cost-to-complete reporting to ensure every draw cycles on time.

• Detailed cost monitoringCoordinate with quantity surveyors to track spend, change orders, and contingency usage.
• Exit strategy alignmentPlan take-out financing early with institutional lenders or CMHC programs.

Blend cash-flow lending and collateral-backed facilities to cover equipment purchases, expansions, or inventory builds.

• Hybrid financingCombine term loans, revolving credit, and asset-backed facilities for complete solutions.
• Covenant supportForecast DSCR and EBITDA targets to negotiate covenants that match your business cycle.