Our Services, we cover all the bases!

1st Mortgage Financing for:

• 1st time Home Buyers.
• New Home Purchases / Investment Properties.
• Mortgage Renewals / Equity Take-out.
• Vacant Land.
• Commercial Properties.
• Rental Properties.
• Debt Consolidation.
• Auto Purchases.
• Special Programs for Self Employed Customers Who May Not Qualify at the Bank.
• We have Competitive Rates Depending on Credit Score and Income Qualifications.
• We also have Alternative Lenders or "B" Lenders whose lending guidelines are generally more flexible than most Chartered Banks and Credit Unions.
  These Lenders are normally not as restrictive with regards to credit score/types of income/slow credit and reason for borrowing.

Second Mortgages for:

• Debt consolidation / eliminate delinquent accounts / repair bruised credit / improve credit score.
• We can assist customers with poor credit history with the goal of repairing their credit in order for them to qualify for a new 1st mortgage in the near future.
• Liquidate Collection Agencies Accounts - we can act for you to settle your accounts favourably, often for a lower amount than what’s owing and stop those harassing calls and letters.
• Property Tax Arrears / Condo Fee Arrears - avoid any potential litigation / tax sales.
• Mortgage Arrears - catch up on any delinquent payments in order to minimize the threat of power of sale/ foreclosure. Get you back on track and in good standing with your lending institution.
• Judgments - clear off any liens or judgments before they exercise their ability to initiate the sale of your property / stop garnishments.
• Power of Sale / Foreclosure - we act quickly to halt actions to ensure you don’t lose your home and allow you to be in control of your property.
• CRA Arrears - avoid government liens and possible garnishment – Stop the calls and letters.
• Home Renovations - money is available for all home renovations / repairs / additions.
• Business Cash Flow - temporary solutions for disruption of income.

Secured Lines of Credit

Make use of the equity in your home for whatever and whenever you need it.

Secured Lines of Credit are subject to stricter credit / income qualification guidelines.

Advances are calculated based on your property value less any prior encumbrances.

Effective tool for reducing high interest credit card debt.

Quick access for any emergency.

Private Mortgage Lenders

We have access to a number of Private Mortgage Investors who typically will lend money based on the equity in your home - often in areas and on property types / condition that alternative lenders will not service.

Private mortgage lenders generally have fewer qualifications with regards to income / credit and reason for borrowing. There are no minimum credit score requirements.

Private lenders will often lend larger amounts than what may be offered via alternative lenders.

Mortgages can be arranged and closed quickly. They are designed to help those alleviate a temporary situation that may be caused by excessive debt load / poor credit / collections/ loss of income / layoffs/ change in marital status / legal actions / former bankruptcy.

Private mortgage money is available for primary residences, rental properties, vacation homes and vacant land as well as some small commercial complexes.

Secured Visas

Secured Visas are available to assist those with poor credit and allows them the flexibility of having access to a credit card while repairing their credit in the interim.