Mortgage solutions
Ontario mortgage solutions for complex credit and income situations
Each page below explains who it fits, which lender categories may apply, the documents usually involved, and the trade-offs in plain language. None of it is a promise of approval.
Takes about two minutes. No obligation. No judgment.
All mortgage solutions
After a decline
Declined Mortgage Applications
Understand why an application was declined and which other lender categories may still consider your situation.
Who it fits: Buyers, homeowners, and renewers who received a decline from a bank or credit union.
Credit history
Bruised Credit Mortgages
Understand how past credit events affect mortgage options and what can realistically be done about them.
Who it fits: Applicants with missed payments, collections, a consumer proposal, or a discharged bankruptcy.
Business-for-self
Self-Employed Mortgages
For business owners, contractors, and commissioned earners whose declared income understates their capacity.
Who it fits: Sole proprietors, incorporated business owners, contractors, and commission-based earners.
Using home equity
Debt Consolidation and Equity Take-Out
Review whether consolidating high-interest debt into your mortgage genuinely improves your position.
Who it fits: Homeowners carrying credit card, line of credit, tax, or loan balances alongside a mortgage.
Beyond the banks
Alternative Mortgage Solutions
How alternative lenders assess files differently from banks, and what that flexibility actually costs.
Who it fits: Applicants whose income, credit, or property falls outside traditional bank guidelines.
Short-term, equity-based
Private Mortgage Solutions
Short-term, equity-based financing for specific situations — reviewed honestly, including the exit.
Who it fits: Homeowners with meaningful equity facing a time-sensitive or complex situation.
Restructuring
Mortgage Refinancing
Restructure an existing mortgage to access equity, consolidate obligations, or change terms.
Who it fits: Homeowners with equity who need to change their current mortgage arrangement.
At maturity
Mortgage Renewals
Review renewal options early — especially when income, credit, or the household has changed.
Who it fits: Homeowners with a mortgage maturing within the next six months.
Time-sensitive
Mortgage Arrears and Urgent Situations
Time-sensitive situations including arrears, closing deadlines, and enforcement pressure.
Who it fits: Homeowners facing arrears, a firm deadline, or enforcement action.
New to Canada
Newcomer Mortgage Options
For newcomers with limited Canadian credit history but genuine financial capacity.
Who it fits: Permanent residents, work permit holders, and recent arrivals with a short Canadian credit file.
Buying
Purchase Financing
Know your realistic financing capacity before making an offer, not after.
Who it fits: Buyers whose income, credit, or timing does not fit standard bank criteria.
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.