Mortgage Solutions by Situation
The published rate assumes a clean salaried file with 20% down. Most files are not that. Pick the one that describes yours and see what actually applies — the lender requirements, the rate shelf it prices on, and the local numbers.
Self-Employed
Write-offs that save you tax cost you mortgage.
Bad Credit
A bruised credit file is not a decline, it is a different lender.
Mortgage Renewal
Roughly seven in ten Canadians sign the renewal letter their lender sends.
Refinance
A refinance cannot be default-insured in Canada, so it prices off the uninsured shelf — higher than the rate advertised for a purchase.
Debt Consolidation
Rolling credit cards at 22% into a mortgage at single digits is usually the cheapest money available to someone carrying balances.
First-Time Buyer
Minimum down payment, the land transfer tax rebate you are owed, and what income the stress test actually demands in Canada.
New to Canada
Permanent residents and work-permit holders can buy in Canada with as little as 5% down, without Canadian credit history, through newcomer programs at most major lenders.
HELOC
A home equity line gives you revolving access to your equity at a variable rate.
Private Mortgage
Private lending is equity lending: the property matters more than the borrower.
Rental Property
Non-owner-occupied property needs 20% down and prices on the uninsured shelf.
Not sure which one describes your file?
When you are ready to do something with these numbers, we will introduce you to a licensed broker who can put the file in front of lenders. Nothing here obliges you to.
Send us the file