Mortgage Financing for Canadians in Canada
Whether you're purchasing your first home, investing in rental properties, or refinancing existing mortgages, we connect you with the right Canadian lenders for your unique situation.
Strategy Call
Discuss your Canadian investment goals
Custom Solution
Access our network of Canadian lenders
Fast Approval
Get pre-approved in 24-48 hours
Canadian Mortgage Financing Made Simple
Navigating Canada's mortgage landscape requires expertise. We work with banks, credit unions, and alternative lenders to find financing that traditional brokers miss.
Self-Employed Solutions
Specialized programs for business owners using stated income, bank statements, and alternative documentation when traditional verification doesn't work.
Investment Property Experts
Financing for rental properties with DSCR loans, portfolio mortgages, and cash flow analysis for investors building wealth through real estate.
Competitive A-Lender Rates
Access to Canada's top banks and credit unions with preferential rates for qualified borrowers. We shop your mortgage across 50+ lenders.
Alternative Lender Access
When banks say no, we work with private lenders, credit unions, and alternative financiers who evaluate your full financial picture.
First-Time Buyer Programs
Guidance on CMHC insurance, First-Time Home Buyer Incentive, Home Buyers' Plan, and provincial programs to get you into your first home.
Coast-to-Coast Coverage
Financing in every province and territory. From Vancouver condos to Toronto semis to Halifax homes, we understand local markets.
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Complete Canadian Mortgage Solutions
From first-time buyers to seasoned investors, we provide comprehensive mortgage solutions for every Canadian financing need.
Primary Residence
Whether you're buying your first home or upgrading to your forever home, we connect you with Canada's best lenders for competitive rates and flexible terms.
Discuss this financing optionWhat's Included
- As little as 5% down with CMHC insurance
- Fixed and variable rate options
- Pre-approval in 24-48 hours
- Access to 50+ Canadian lenders
- First-time buyer program guidance
What Our Clients Say
Questions About Canadian Mortgages
Everything you need to know about mortgage financing in Canada. Can't find your answer? Book a call with our team.
Getting Started
For owner-occupied homes, as little as 5% down for properties under $500,000. For the portion between $500,000 and $1 million, you need 10% down. Properties over $1 million require 20% down. Investment properties typically require 20-25% down.
Yes, if your down payment is less than 20%, you'll need mortgage default insurance from CMHC, Sagen, or Canada Guaranty. The premium is added to your mortgage and ranges from 2.8% to 4% of the loan amount.
Canadian lenders use two ratios: GDS (Gross Debt Service) max 39% and TDS (Total Debt Service) max 44%. You'll also need to qualify at the stress test rate, which is the higher of your contract rate plus 2% or 5.25%.
Qualification & Approval
All federally regulated lenders require you to qualify at the higher of your contract rate plus 2% or the Bank of Canada's qualifying rate (currently 5.25%). This ensures you can handle rate increases.
Yes, alternative lenders and private lenders will consider applications with lower credit scores. Rates are higher (typically 6-12%), but we can often find solutions when banks say no.
Self-employed borrowers typically need 2 years of income history. We have access to stated income programs, bank statement programs, and lenders who use gross business revenue for qualification.
Rates & Terms
Fixed rates offer payment certainty, while variable rates are typically lower but fluctuate with prime. Historically, variable rates have saved money over time, but fixed provides peace of mind during uncertain rate environments.
5-year terms are most popular in Canada, but shorter terms (1-3 years) can make sense if you expect rates to drop or plan to move. Longer terms (7-10 years) provide maximum stability.
Rates change daily. A-lender rates for well-qualified borrowers typically range from 4-5%. Alternative lenders range from 5-12% depending on credit, income verification, and property type. Contact us for current rates.
Special Programs
The First-Time Home Buyer Incentive offers 5-10% of purchase price as shared equity. The Home Buyers' Plan allows $35,000 RRSP withdrawal tax-free. Many provinces also offer land transfer tax rebates for first-time buyers.
Generally no. Lenders want to see that your down payment comes from savings, gifts, or other acceptable sources. Borrowed down payments are typically not allowed for insured mortgages.
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