Our Mortgage Services

Get pre-approved and know exactly how much you can borrow before you start shopping for your dream home. Our fast, confidential pre-approval process gives you the confidence to make competitive offers and demonstrates to sellers that you're a serious buyer. We'll analyze your financial situation, credit profile, and income documentation to determine your maximum borrowing capacity. With pre-approval in hand, you'll be prepared to move quickly when you find the right property.

Refinancing allows you to replace your existing mortgage with a new one on better terms. Whether you want to lower your interest rate, reduce your payment period, consolidate debt, or switch lenders, we help you navigate the refinancing process strategically. We compare options across our extensive lender network to ensure you're getting the best rate available. Refinancing can save you thousands over the life of your mortgage—let us show you the potential savings.

If you've built up equity in your home, you can access it for major life expenses—renovations, education costs, investments, or other financial goals. We structure equity take-out mortgages that convert your home equity into usable funds while optimizing your mortgage terms. Our team ensures the process is smooth and that you understand the long-term implications of accessing your home equity. Whether you need funds for a kitchen renovation or to finance your child's education, we can help unlock your property's potential.

A Home Equity Line of Credit (HELOC) or mortgage-based line of credit offers flexible access to funds based on your home's equity. Unlike a traditional mortgage, you only pay interest on the amount you actually use, giving you maximum flexibility for unexpected expenses or planned investments. These credit lines typically offer lower interest rates than unsecured options because they're backed by your property. We help you establish a line of credit that fits your financial situation and gives you peace of mind knowing funds are available when needed.

Don't automatically renew with your current lender when your mortgage comes due—you may be leaving significant savings on the table. We review your mortgage renewal strategically, comparing rates and terms across Canada's top lenders to ensure you get the best deal available. Many borrowers don't realize they have negotiating power at renewal time. Our expertise and lender relationships allow us to secure rates often lower than what lenders initially offer. Start renewal conversations well in advance to maximize your options and savings.

If you're juggling multiple debts—credit cards, personal loans, car loans, lines of credit—consolidating them into a single mortgage payment can simplify your finances and reduce your overall interest costs. Mortgage debt typically carries lower interest rates than consumer debt, potentially saving you thousands annually. We structure consolidation mortgages that roll your debts into your home financing, creating one manageable payment. This strategy improves cash flow, simplifies budgeting, and helps you regain control of your financial situation. We'll calculate your exact savings before proceeding.

Whether you're financing office buildings, retail spaces, industrial properties, or multi-residential investments, our commercial lending expertise covers the full spectrum of commercial real estate. We navigate the more complex underwriting requirements of commercial mortgages, including detailed financial analysis, property appraisals, and cash flow projections. Our lender network includes banks, credit unions, and private lenders with specialized commercial portfolios. We help investors maximize leverage while maintaining sound financial ratios. Commercial financing requires specialized knowledge—let us guide you through the process.

Growing your business often requires significant capital equipment investments. Equipment financing allows you to acquire essential machinery, vehicles, technology, or production equipment without depleting your cash reserves. The equipment itself serves as collateral, often enabling better terms than unsecured business loans. We structure equipment financing to match the useful life of your equipment and coordinate with your other business financing needs. Whether you need a single piece of equipment financed or managing an ongoing equipment acquisition strategy, we can arrange competitive terms.

Mergers and acquisitions require specialized financing to fund purchase prices, working capital needs, and integration costs. We partner with lenders experienced in M&A transactions, including acquisition financing, seller take-back arrangements, and mixed financing structures. Our expertise in deal structuring helps you optimize financing to preserve equity while achieving your acquisition goals. Whether you're acquiring a competitor, expanding your product lines, or buying out a partner, M&A financing requires careful planning and coordination. We handle the financing complexity so you can focus on the business opportunity.

Businesses often face cash flow challenges despite being profitable—seasonal fluctuations, inventory buildup, or extended payment terms from customers can strain working capital. Working capital financing provides short-term or revolving credit to bridge these gaps and maintain smooth operations. Options include lines of credit, invoice factoring, and inventory financing—all designed to support operational needs without requiring long-term debt. We help you identify your working capital requirements and structure financing that supports growth without creating excessive debt burden. Strong working capital management is essential for business stability.

Asset-based financing allows you to borrow against your business assets—equipment, inventory, accounts receivable, real estate, or other valuable business property. This approach is particularly valuable for businesses with substantial assets but lower profitability or newer businesses without extensive operating history. The asset base, not just cash flow or credit score, determines borrowing capacity. We work with asset-based lenders to maximize your borrowing power while maintaining manageable debt service. This financing method is particularly useful for acquisitions, expansion, or cash management needs when traditional bank lending is difficult to access.

Financial guarantees backing supplier relationships strengthen business relationships and improve credit terms with your vendors and suppliers. We arrange guarantees that demonstrate your creditworthiness to suppliers, enabling you to negotiate better payment terms, larger credit limits, or extended payment windows. These guarantees can improve your operational flexibility and cash management. Supplier guarantees are particularly valuable in import-export businesses, manufacturing with significant raw material needs, or wholesale operations where supplier relationships are critical. We structure guarantees that work for both you and your suppliers.