Whether you're buying your first home, upgrading to a larger home, or refinancing your primary residence, we connect you with the right Canadian lenders at competitive rates. First-time buyer programs, CMHC guidance, and step-by-step support from application to keys.
Buying a home in Canada involves stress tests, CMHC insurance decisions, first-time buyer programs, and navigating dozens of lenders. We simplify the process and find you the best rate for your situation across 50+ lenders.
Guidance on CMHC insurance, the FHSA, the Home Buyers' Plan ($60K RRSP withdrawal), 30-year amortization for all first-time buyers and new-build buyers, and provincial land transfer tax rebates.
Access to Canada's top banks and credit unions with preferential rates for qualified borrowers. We shop your mortgage across 50+ lenders to find the best deal.
Financing in every province and territory. From Vancouver condos to Toronto semis to Halifax homes — we understand local markets and lender preferences.
When traditional banks say no, we work with alternative lenders and credit unions who evaluate your full financial picture, not just your credit score.
Specialized programs for business owners using stated income, bank statements, and alternative documentation to qualify for a primary residence mortgage.
Lower your rate, access your home equity, or consolidate debt. We analyze whether refinancing makes sense and find the best terms for your primary residence.
From first-time buyers to move-up purchasers and homeowners refinancing — comprehensive mortgage solutions for Canadians buying and owning their 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. We shop 50+ lenders to find the best rate for your specific profile.
Take advantage of Canadian first-time buyer programs including CMHC insurance, the FHSA, the Home Buyers' Plan ($60K RRSP withdrawal), and 30-year amortization for all first-time buyers and new-build buyers. We walk you through every program and find the right combination for your situation.
Lower your rate, access your equity, or consolidate debt. We analyze whether refinancing makes sense and find the best terms across our lender network.
Business owners and self-employed Canadians often face challenges with traditional banks when buying a primary residence. We have specialized programs using business financials, bank statements, and alternative documentation to help you qualify.
Access your home equity with a Home Equity Line of Credit. Use it for renovations, investments, or emergencies-pay interest only on what you use.
For Canadian homeowners 55+ who want to access their home equity without monthly payments. Stay in your home while converting equity into tax-free cash.
Staged construction financing for building your custom home or purchasing from a builder. We coordinate draw schedules and convert to permanent financing upon completion.
Consolidate credit cards, car loans, and other high-interest debt into your mortgage. One low monthly payment can save thousands in interest.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity's Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Everything you need to know about home buyer mortgage solutions.
Our team of experts is here to help you find the best financing solutions for your goals.
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