Residential Mortgage Financing
Residential mortgages for primary residences, investment properties, and vacation homes across Canada, the U.S., and Mexico. Whether you're a first-time buyer, self-employed, or an investor with multiple properties, we find financing solutions that work.
Strategy Call
Discuss your homeownership or investment goals
Custom Solution
We find the right mortgage for your situation
Fast Approval
Get pre-approved in 24-48 hours
Residential Financing For Every Situation
Traditional banks reject many qualified borrowers. We work with a network of specialized lenders willing to evaluate self-employed borrowers, investors with multiple properties, or buyers with non-traditional income.
Self-Employed Specialists
Specialized programs using stated income, business financials, and alternative verification for self-employed borrowers.
Cross-Border Expertise
Seamless financing across Canada, USA, and Mexico. We help Canadians buy in the U.S. and international buyers purchase in Canada.
Fast Pre-Approval
Get pre-approved within 24-48 hours for straightforward applications so you can shop with confidence.
Alternative Lender Access
When traditional banks say no, we work with alternative lenders who evaluate your full financial picture-not just your credit score.
First-Time Buyer Support
Programs with as little as 5% down, plus guidance on down payment assistance programs and government incentives.
Investment Property Focus
Financing for rental properties with cash flow analysis and DSCR options for investors building portfolios.
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Complete Residential Financing Solutions
From first-time buyers to seasoned investors, we provide comprehensive mortgage solutions for every residential financing need.
Primary Residence
Competitive rates for home purchases across Canada, the U.S., and Mexico. Whether you're buying your first home or upgrading, we find the best mortgage for your situation.
Discuss this financing optionWhat's Included
- As little as 5% down with insurance
- Fixed and variable rate options
- Pre-approval in 24-48 hours
- First-time buyer programs
- Competitive A-lender rates
What Our Clients Say
Questions About Residential Mortgages
Everything you need to know about home financing. Can't find your answer? Book a call with our team.
Getting Started
We finance single-family homes, condos, townhouses, duplexes, triplexes, fourplexes, and properties up to 4 units for primary residence, secondary/vacation, or investment use across Canada, the U.S., and Mexico.
As little as 5% down (with mortgage insurance) for owner-occupied Canadian homes. Investment properties typically require 20-35% down depending on the property type and your situation.
Yes, we provide guidance on down payment assistance programs and government options like the First-Time Home Buyer Incentive. We'll help you understand all available programs to minimize your down payment and closing costs.
Qualification & Approval
Yes, we work with alternative lenders who evaluate your full financial picture-not just your credit score. While rates may be higher, we can often find solutions when traditional banks say no.
Pre-approval within 24-48 hours for straightforward applications. Full approval typically takes 30-45 days from application to closing, though this can vary based on complexity.
Owner-occupied mortgages with A-lenders typically range 4-5%. Alternative financing runs 5-12%+ depending on credit, income verification, and risk factors. Investment properties are typically 0.5-1% higher than owner-occupied rates.
Special Situations
Yes, we offer financing for residential properties in Canada, the U.S., and Mexico. We help Canadians purchase in the U.S. and international buyers purchase in Canada with specialized cross-border mortgage products.
Lenders typically consider 50-80% of projected rental income for multi-unit properties when qualifying. For investment properties, we also offer DSCR loans that qualify based entirely on the property's rental income rather than your personal income.
High-ratio mortgages have less than 20% down and require mortgage insurance (CMHC, Sagen, or Canada Guaranty). Conventional mortgages have 20%+ down and don't require insurance, often resulting in slightly better rates.
After Purchase
Many mortgages are portable, allowing you to transfer your existing rate and terms to a new property. We analyze whether porting or arranging new financing offers better terms for your situation.
Consider refinancing when rates drop significantly, you need to access equity, want to consolidate debt, or your financial situation has improved and you qualify for better terms. We can analyze whether refinancing makes sense for you.
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