Bank Said No? Let's Talk.

An alternative lender is a regulated financial institution that offers mortgage products with more flexible qualifying criteria than traditional banks — such as lower credit score requirements, alternative income documentation, and higher loan-to-value ratios. They are fully regulated and insured, making them a reliable option for borrowers who don't meet the strict guidelines of major banks.

Yes. Many alternative lenders accept stated income applications, meaning you can qualify based on reasonable income declarations rather than traditional T4 slips or Notices of Assessment. We work with lenders who understand that self-employed individuals often show lower taxable income on paper than they actually earn. We'll match you with the right lender based on your specific situation.

We finance a wide range of commercial properties including multi-family residential buildings (5+ units), mixed-use properties (commercial on the ground floor with residential above), retail spaces, office buildings, and light industrial properties. Whether you're purchasing, refinancing, or expanding, we can structure the right commercial mortgage for your needs.

A reverse mortgage allows homeowners aged 55 and older to access up to 55% of their home's appraised value in tax-free cash — without making any monthly mortgage payments. The loan is repaid when you sell the home, move out, or pass away. You retain full ownership and can continue living in your home. It's an excellent option for supplementing retirement income, covering healthcare costs, or helping family members financially.

No. Your initial consultation with us does not involve a credit pull. We only check your credit with your explicit permission if you decide to move forward with a formal application. The consultation itself is completely free and has no impact on your credit score.

Alternative lender rates are typically slightly higher than traditional bank rates — usually 0.5% to 2% more, depending on your credit profile, property type, and loan-to-value ratio. However, the qualifying criteria are much more flexible. For many borrowers, an alternative lender mortgage is a stepping stone: improve your credit or financial situation over the term, and then transition back to a traditional bank at renewal for a lower rate.