Purchase
Toronto's move-up market is complex. Bridge financing, buying before you sell, investment properties, pre-construction with extended closes, custom builds. These transactions require a team that understands the structure before recommending the rate.
- Move-up buyers (Leaside, Forest Hill, Beaches)
- Investment and rental properties
- Vacation and secondary properties
- Pre-construction with extended closings
- Custom home builds
Refinance
A renewal letter from your bank is a starting point, not a final offer. We review your full situation: current equity, rate environment, remaining term, and long-term goals, before recommending a structure.
- Equity access and debt consolidation
- Rate and term optimization at renewal
- Cash-out for renovations or investments
- Second mortgages and lines of credit
- Variable/fixed strategy for higher-value properties
Commercial
Income property financing and commercial acquisitions require a different approach than residential. We work with lenders who specialize in commercial structures and understand how to present income-based files effectively.
- Multi-unit residential (5+ units)
- Mixed-use and retail properties
- Income property portfolio financing
- Business acquisition and development
Private
When conventional lenders decline a file, private financing can be the bridge. Short-term solutions for credit recovery, non-traditional income, or time-sensitive transactions.
- Credit recovery and rebuilding
- Non-traditional income structures
- Bridge financing for time-sensitive closings
- Equity-based lending solutions
Mortgages for Medical Professionals
Physicians, dentists, and healthcare professionals have unique income structures, student debt profiles, and career trajectories. We work with lenders who understand how to underwrite them.