Creative Mortgage Financing

The problem with going to banks for your mortgage is that your current financial situation may not meet the bank’s lending policies. Because banks and lenders can’t be all things to all people we are more successful at placing your mortgage simply because of the choice of lenders we have to work with.

More choice means finding the right lender for your unique situation!

We can find lenders that take a closer look at your financial picture, your property’s equity, your past record and your promise of performance. If we say we can place your mortgage we will, 100% of the time. These situations often take more work and more discussion so we’re happy to review your situation anytime. Give us a call at (416) 699-1010 or e-mail us at

Assisting Self-Employed Applicants

With the changes in today’s work force, the greater number of people working independently and the proliferation of home offices, there are more people finding it difficult to qualify for mortgage financing. We can help by working with you to present a proper package to obtain a successful approval. In these cases there may be a fee charged but in all cases you will know what to expect up front. It’s our promise.

Some of Our Self-Employed Clients

At Mortgage for Less, our brokers are experts at getting the best rates for self-employed mortgages. We’ve helped all kinds of clients, including:

  • Musicians
  • Actors
  • Artists
  • Catering and Restaurant Owners
  • Self Employed Consultants
  • Doctors, Lawyers
  • Accountants
  • Realtors
  • Commissioned Salespeople
  • Owners of small to medium sized companies
  • Freelance workers
  • Graphic artists and designers
  • Builders and Renovators
  • Home Repair People and Tradesmen
  • Hairdressers etc.

Financing for Unique Property Types

Quite often a lender will not provide a mortgage because the property does not meet their guidelines. Mortgage for Less works with many lenders that specialize in unique property types, including:

  • Rental Properties
  • Cottage Properties
  • Luxury Estates (Large Loans)
  • Well and Septic Properties
  • Condominiums
  • Co-Ownership
  • Construction and Infill Projects.

Commercial Property Financing

Our brokers have lots of experience getting great rates for commercial mortgages on many kinds of properties, including:

  • Multi Unit Dwellings and Apartments
  • Retail Store Front and Apartment Above
  • Industrial Plazas and Condos
  • Small office buildings
  • Small retail plazas

Credit Problems? No Problem!

Did you know that some banks will never approve a discharged bankrupt application? But that others may? If your history has credit blemishes – major or minor – our brokers know which lenders are more flexible and how to present you situation for a no fuss, no hassle approval. We understand how to help you!


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