Every Mortgage Solution — Under One Roof
Eight dedicated playbooks — from first-time purchases to refinances, renewals, rental portfolios, B-lender bridges and reverse mortgages. Pick the path that matches your file.
First-Time Home Buyer
FHSA, HBP, the $1.5M insured cap, 30-year amortizations, LTT rebates and the federal tax credit — stacked into one downpayment strategy.
Explore SolutionTrade-Up & Downsize Buyer
Porting, blend-and-extend, bridge financing and Purchase Plus Improvements for buyers moving between homes.
Explore SolutionVacation & Secondary Property
Type A vs Type B cottage underwriting — winterized homes from 5% down, seasonal cabins from 10% with capped amortization.
Explore SolutionMortgage Renewal & Switch
The 9-month strategy window, the stress-test exemption on uninsured straight switches, and how to thrive in a falling-rate environment.
Explore SolutionRefinance & Equity Takeout
80% LTV refinances, the 90% LTV secondary-suite extension, prepayment penalty math and the equity-takeout decision framework.
Explore SolutionReal Estate Investment & Rental
20% minimum down, 50–75% rental income offsets, Schedule L appraisals, and portfolio stacking strategies for Ontario investors.
Explore SolutionAlternative & Private Lending
B-lender and private equity-based solutions for damaged credit, self-employed income or consumer proposals — designed as a 1–2 year bridge back to prime.
Explore SolutionReverse Mortgages & Retirement
For homeowners 55+: borrow up to 55% of your home's appraised value tax-free with no required monthly payments and a negative-equity guarantee.
Explore SolutionNot sure which solution fits your file?
Book a free 15-minute strategy call — we'll map the right program and send you a written game plan the same day.
Book Free ConsultationOntario Cities We Serve
Every solution above is delivered locally. Jump straight into a city playbook — real case studies, local lender fit and neighbourhood-specific strategy.