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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.

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1

Strategy Call

Discuss your homeownership or investment goals

2

Custom Solution

We find the right mortgage for your situation

3

Fast Approval

Get pre-approved in 24-48 hours

Why Choose Us

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.

5%
Minimum Down
24-48h
Pre-Approval
3
Countries Served
15+
Years Experience

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.

Ready to find your perfect mortgage?

Let's discuss your goals and find the right financing solution.

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Financing Options

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 option

What'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

Investment Property

Financing for rental properties with cash flow analysis. Build your investment portfolio with mortgages designed for landlords and real estate investors.

Discuss this financing option

What's Included

  • Rental income consideration
  • DSCR loan options
  • Portfolio building support
  • Multi-unit up to 4 units
  • Cash flow analysis

Refinance

Reduce your rate, access your equity, or both. Refinancing can help you consolidate debt, fund renovations, or simply get a better deal on your mortgage.

Discuss this financing option

What's Included

  • Rate and term refinancing
  • Cash-out options
  • Debt consolidation
  • Access home equity
  • Lower your payments

Self-Employed

Specialized programs using stated income, business financials, and alternative verification. Self-employed borrowers often struggle with traditional banks-we have solutions.

Discuss this financing option

What's Included

  • Stated income programs
  • Business financial analysis
  • Alternative documentation
  • Bank statement programs
  • Flexible underwriting

First-Time Buyer

Programs with as little as 5% down plus guidance on down payment assistance programs and government options like the First-Time Home Buyer Incentive.

Discuss this financing option

What's Included

  • As little as 5% down
  • Down payment assistance guidance
  • Government incentive programs
  • First-time buyer education
  • Step-by-step support

Vacation Home

Secondary property financing for vacation homes and cottages. Enjoy your getaway property with mortgage terms that fit your lifestyle.

Discuss this financing option

What's Included

  • Vacation property specialists
  • Cottage and cabin financing
  • Cross-border options
  • Seasonal income consideration
  • Flexible qualification

HELOC

Home Equity Line of Credit for flexible access to your home's equity. Use it for renovations, investments, emergencies, or any purpose-pay interest only on what you use.

Discuss this financing option

What's Included

  • Revolving credit line
  • Pay interest only on usage
  • Flexible access to funds
  • Reusable as you pay down
  • Competitive rates

Reverse Mortgage

For homeowners 55+ who want to access their home equity without monthly payments. Stay in your home while converting equity into tax-free cash.

Discuss this financing option

What's Included

  • No monthly payments required
  • Stay in your home
  • Tax-free funds
  • Retain home ownership
  • Flexible payout options

New Construction

Staged construction-to-permanent financing for building your custom home. We coordinate draw schedules with your builder and convert to permanent financing upon completion.

Discuss this financing option

What's Included

  • Construction draw financing
  • Builder coordination
  • Construction-to-permanent
  • Single closing option
  • Progress payment management

Renovation

Lending based on after-renovation value so you can finance both purchase and improvements. Transform a fixer-upper into your dream home.

Discuss this financing option

What's Included

  • Purchase plus improvements
  • Based on after-renovation value
  • Draw schedules for renovations
  • CMHC renovation programs
  • Fixer-upper financing

Debt Consolidation

Consolidate high-interest debt into your mortgage for lower overall payments. Replace credit cards, car loans, and other debt with one low-rate mortgage payment.

Discuss this financing option

What's Included

  • Lower overall interest
  • Single monthly payment
  • Improve cash flow
  • Pay off credit cards
  • Simplify finances

Portfolio Mortgage

Blanket financing for investors with multiple residential properties. Consolidate your portfolio under one mortgage for simplified management and better terms.

Discuss this financing option

What's Included

  • Multiple properties, one loan
  • Simplified management
  • Portfolio investors
  • Release provisions
  • Scale your holdings
Trusted by Investors

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FAQ

Questions About Complete Residential Financing Solutions

Everything you need to know about complete residential financing solutions.

Residential Basics

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. For 5+ units, we transition you to our commercial lending team.
As little as 5% down (with mortgage insurance) for owner-occupied Canadian homes under $1M. For homes between $500k and $1M, you need 5% on the first $500k and 10% on the remainder. Investment properties typically require 20% down.
Yes. Condo financing is very common, but lenders will perform a "Condo Document Review" to ensure the building's reserve fund and management are healthy. We help pre-screen these buildings to ensure your mortgage is approved.
A bank only offers their own products. A mortgage broker like LendCity works for you, shopping your application across 50+ lenders—including banks, credit unions, and private lenders—to find the absolute best rate and terms for your specific situation.

Investor Strategies

Yes! Lenders will typically allow you to add a percentage (often 50% to 80%) of the projected or actual rental income from the property to your own personal income. This increases your borrowing power significantly.
A Home Equity Line of Credit (HELOC) allows you to borrow against your home's equity as a revolving line of credit. Many of our clients use a HELOC on their primary residence to provide the down payment for an investment property.
Yes. We specialize in the Buy, Renovate, Rent, Refinance, Repeat strategy. We provide the initial acquisition/renovation financing and then help you refinance into long-term debt once the property's value has increased.

Refinancing & Programs

Yes. If market rates are significantly lower than your current rate, refinancing can save you thousands. We perform a "break-even analysis" to see if the interest savings outweigh any prepayment penalties from your current lender.
Through "Purchase Plus Improvements" programs, you can finance up to 95% of the purchase price plus the cost of renovations, provided the final value of the home supports the total loan amount.
If you are self-employed, we use alternative documentation like bank statements or business financials to prove your income, rather than relying on the "taxable income" which many entrepreneurs intentionally keep low.

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