Been turned down? I specialise in finding Yes.
Life doesn't always fit a bank's spreadsheet. Through a 140+ lender network of prime, alternative, and private capital — I build mortgage solutions for real-world situations.
● Confidential. No credit pull to start. No judgment.
When your tax return doesn't show the real you
Smart business owners write expenses off — which shrinks your reported income and frustrates bank underwriters who only look at Line 150. There are lenders who read the whole story.
- Stated-income programsEstablished self-employed, good credit, strong down payment.
- Bank statement programs12 months of business deposits as income proof.
- Alt-A & B-lender optionsWhen your NOAs tell a tighter story than reality.
A path forward — no judgment
Missed payments, collections, a past consumer proposal or bankruptcy? These don't lock you out of homeownership forever. Alternative and private lenders underwrite your story, not just your score.
- B-lender mortgagesShort-term bridges to rebuild and refinance back to prime.
- Post-bankruptcy & post-proposal programs1-2 years of discharge + re-established credit often qualifies.
- Credit repair guidanceI'll tell you what to pay down first to move the needle fastest.
Homeownership without a Canadian credit file
Newcomers to Canada don't need years of local credit history to buy a home. CMHC and Sagen both have newcomer programs supporting up to 95% LTV with minimal Canadian credit — when structured properly.
- Up to 95% LTV newcomer programsWith as little as 5% down for qualifying purchases.
- International credit reports acceptedFrom select countries in lieu of Canadian bureau.
- Permanent residents & work-permit holdersDifferent programs for each immigration status.
From multiple payments to one manageable one
Credit card debt at 22%+ piling up alongside car loans and lines of credit? Using home equity, we can roll it all into one mortgage-rate payment — and free up hundreds or thousands in monthly cash flow.
- Refinance + consolidateUp to 80% LTV on residential properties.
- Second mortgage for consolidationWhen you don't want to break your existing first.
- Break-even analysis includedI show you the real math, penalty and all.
When the timing or file doesn't fit a bank's box
Private mortgage lenders focus on property equity — not personal income or credit. They're faster, more flexible, and priced to match the risk. Used as short-term bridges while a longer-term strategy is put in place.
- First & second position private mortgages1-2 year typical terms.
- Fast funding (often 1-2 weeks)Right when you need to close urgently.
- Exit-to-prime strategy includedI don't park clients in private mortgages indefinitely.
Confidential guidance through moments of change
Recent separation and need to buy out or refinance? Just started a new role? Moved to commission income? These transitions rarely fit a bank's 2-year-history template — but lenders exist for exactly this.
- Spousal buy-out refinancesUp to 95% LTV insured, specifically for matrimonial separations.
- New-job & probationary employmentCertain lenders accept offer letters and waive probation.
- Commission / bonus incomeTreated as income by the right lenders when averaged properly.
Every situation has a path forward.
Tell me what's happening. I'll tell you what's possible — honestly, confidentially, and without judgment.