York Region
Mortgage options in Markham, Ontario
Markham files frequently involve business owners, newcomers with strong assets but short Canadian credit histories, and households where income is earned across more than one entity.
We are licensed throughout Ontario and serve Markham clients remotely from our Toronto office.
Takes about two minutes. No obligation. No judgment.
Licensed in Ontario
Phil Cragg, Mortgage Agent, Licence #11000073 · Mortgage Outlet Inc., Brokerage #12628
Same day call back
We aim to return every enquiry the same day, by phone or email — whichever you prefer.
15 years, across Ontario
Office in Toronto. Clients across the province served by phone, video, and secure document handling.
Who we help in Markham
- Incorporated business owners with retained earnings
- Newcomers with substantial down payments and limited Canadian credit
- Households with income across multiple entities or sources
- Homeowners accessing equity for a business or family need
- Buyers requiring realistic capacity figures before offering
Local context that matters
Where income is earned through a corporation or across several entities, the documentation burden is heavier and the lender list narrows. Sorting out how the income will actually be presented is usually the most valuable part of the early review.
About our presence here
Questions from Markham clients
Can retained earnings in my corporation help me qualify?
Some lenders consider corporate income or retained earnings with full financial statements and an accountant's support. Many do not. It depends on the lender and the structure.
Do you work with newcomers in Markham?
Yes. Limited Canadian credit history is one of the more common situations reviewed, and several lenders operate programs for it.
Nearby areas
Information on this website is general in nature and is not a commitment to lend, an approval, legal advice, tax advice, or financial advice. Mortgage availability, rates, terms, fees, and approval depend on the applicant, the property, lender requirements, market conditions, and applicable law. An application and supporting documents may be required.