Project Options
Support for self-employed, commission-based, multi-property owners, and those with unique income sources.
Credit Friendly Options
We work with lenders who look beyond the credit score to help get your application through.
Flexible Loan Terms
Explore variable or fixed-rate options with flexible amortizations that suit your financial picture.
Quick Approval Process
We work quickly and directly with lenders to get answers fast—even for complex files.
Trouble Getting Approved by Traditional Banks?
Mortgages for Unique Situations
Standard mortgage applications don’t work for everyone. Whether you’re newly self-employed, own multiple properties, earn non-traditional income, or are recovering from credit issues—your financial situation deserves a custom approach.
We specialize in helping clients with complex files get the mortgage support they need to move forward.
Apply now and find a path forward with expert help.
Certified Team
Our mortgage professionals are experienced in navigating lender policies and exception files.
Trusted Company
Canadians trust us to help solve complex mortgage challenges with smart and honest advice.
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Flexible Financing Options
Frequently Asked Questions
Self-employment, fluctuating income, recent credit issues, non-resident status, or owning multiple properties can all make a file “complex.”
Yes. Alternative and B-lenders often have more flexible guidelines that allow approvals for non-standard applications.
It varies, but expect to provide proof of income (tax returns, bank statements), ID, property details, and a credit report.
It can be slightly higher with B-lenders or private lenders, but often still much lower than unsecured credit options.
Yes. If you have enough equity or a strong payment history, refinancing is still an option.
We aim to secure conditional approvals within a few business days—even for complex files.