Align Mortgage Corporation Mortgage Lender Profile
Generally for Ontario borrowers whose credit or debt ratios rule out a bank, and who can document how the mortgage will eventually be repaid.
Who they are
Align Mortgage Corporation is a mortgage fund and administration company based in Ottawa, and it also operates a licensed brokerage. It holds FSRA mortgage administrator licence 13453 and mortgage brokerage licence 13550. The company does not publish a founding year. Its money comes from qualified investors, who buy Trust Units on a private placement basis under an offering memorandum, and Align lends that capital out as mortgages it originates and then administers itself. It says it started in residential lending and later added customised and commercial mortgage solutions. Its published activity is centred on Ontario, and it runs a dedicated broker channel.
What they lend on, and who for
Align lends on first and second mortgages, on both residential and commercial property, in major centres and in urban and rural markets. It describes its approach as logic-based lending. There is no minimum credit score and no GDS or TDS ratio requirement, but it expects a documented exit strategy beyond simply refinancing. Payments can be structured as interest only, or with an interest reserve where payments accrue, and blanket mortgages are available. Align will also lend behind a collateral charge mortgage or a CHIP reverse mortgage. It handles both the lending and the ongoing administration in house.
How to approach Align Mortgage Corporation
You can contact Align Mortgage Corporation yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private · MIC |
| Registered as | Align Mortgage Corporation |
| Head office | 1900 City Park Drive, 3rd Floor, Ottawa, ON K1J 1A3 |
| Website | alignmortgage.ca |
| Phone | 613-590-7100 (also 1-888-848-1878) |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Align Mortgage Corporation
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Align Mortgage Corporation?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Align Mortgage Corporation
Is Align Mortgage Corporation a real mortgage lender?
Yes. Align Mortgage Corporation is a private (mic) based in Ontario. Its own site is alignmortgage.ca.
What kind of lender is Align Mortgage Corporation?
Private — categorised in our directory as MIC/Private. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Align Mortgage Corporation directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Align Mortgage Corporation regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Align Mortgage Corporation approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Align Mortgage Corporation lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Align Mortgage Corporation take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file