Alternative & Private Mortgage Specialists

The Bank Said No. We Say Let's Talk.

Flexible mortgage options for self-employed and bad credit clients in Ontario — get approved based on your equity and real financial picture, not just your credit score or T4. 50+ lending partners. Pre-approvals in 24–48 hours. Serving Toronto, North York, Mississauga, Brampton, Vaughan, Markham, and the GTA.

Apply Now See Our Solutions
50+Lending Partners
4.79%B-Lender Rates From
48hrFast Pre-Approvals

Get Your Free Consultation

Tell us your situation — we'll find your options.

No obligation. Your information is kept strictly confidential.

Who We Help

Your Situation Is More Common Than You Think

Banks reject thousands of Canadians every year who are perfectly capable of managing a mortgage. Self-employed? Bad credit? Recent bankruptcy? New to Canada? Carrying CRA arrears? If any of these sound like you, we have alternative B-lender and private mortgage solutions across Ontario that work.

Self-Employed Borrowers

Your income is real — but your NOA doesn't tell the whole story. We use bank statements, business revenue, and alternative income verification to get you approved.

Recent Credit Challenges

Divorce, medical bills, CRA arrears, or a business that didn't work out. Life happens. B-lenders and private lenders look past your credit score at the full picture.

Equity-Rich Homeowners

You've built significant equity in your home. Let us help you access it through refinancing, debt consolidation, or a second mortgage — fast.

Declined by Your Bank

A bank's "no" isn't the final word on your homeownership. There are 50+ lenders we work with who use different criteria — and one of them may be right for you.

New to Canada

Limited Canadian credit history? Many of our lending partners have programs specifically designed for newcomers and immigrants building their financial footing.

Debt Consolidation

High-interest debt dragging you down? Roll it into a single, manageable mortgage payment using the equity you've already built — and start fresh.

Transparent Pricing

Alternative & Private Mortgage Rates in Ontario — No Hidden Surprises.

We believe you deserve to know exactly what you're getting into before you sign anything. Here's what our two primary lending streams look like.

B-Lender & Business-For-Self
Rates starting from
%4.79
+ 2% Lender Fee
  • Low-documentation income programs
  • Self-employed & BFS borrowers welcome
  • B-side applicants with credit challenges
  • Stated income options available
  • Institutional-grade lenders, real oversight
Most Flexible
Private Mortgage Solutions
Rates starting from
%5.75
+ 2% Lender Fee
  • Equity-based — credit score not the focus
  • Approvals in as little as 24–48 hours
  • Bridge financing & short-term solutions
  • Flexible terms tailored to your exit strategy
  • Ideal as a stepping stone to A-lending

*All rates subject to approval, lender conditions, and property assessment. Rates shown represent starting ranges and may vary based on individual circumstances.

Why Choose Us

We Work for You — Not the Banks

As independent mortgage brokers, our obligation is to find the best possible solution for your specific situation — not to push a product that benefits us.

1

Access to 50+ Lenders

We shop your mortgage across a wide network of A-lenders, B-lenders, trust companies, and private investors — ensuring you get the best available option.

2

Flexible Income Verification

Bank statements, business deposits, rental income, and stated income programs — we know how to present your finances in the strongest possible light.

3

Fast, Confidential Process

Pre-approvals in 24–48 hours. Every application is handled with absolute discretion. We know this is personal — and we treat it that way.

4

A Path Back to Prime

We don't just solve today's problem. We build a 12–24 month roadmap to help you qualify with an A-lender at the best possible rate when your term renews.

Navid Zaeri, Mortgage Professional Level 2 – CENTUM Financial Services LP
Navid ZaeriMortgage Professional · Level 2
15+Years of alternative lending expertise
$500M+In mortgages funded for Canadians
94%Client approval rate after bank decline
50+Lenders in our active network

"When two banks turned me down because of my self-employment income, I felt like homeownership was out of reach. This team found me a B-lender approval in 3 days. I closed on my home two weeks later."

— Michael T., Toronto, ON · Self-Employed Contractor
How It Works

Approved in 4 Simple Steps

1

Free Consultation

Tell us your situation with no obligation. We listen first and judge nothing.

2

We Assess Your Options

We review your income, equity, and goals and match you with suitable lenders.

3

Fast Pre-Approval

Receive your pre-approval in as little as 24–48 hours with clear terms upfront.

4

You Close & Move Forward

We guide you through to funding — and then we build your roadmap to prime lending.

Real Results

Canadians Approved After Bank Declines

My credit score was 548 after a rough divorce. Every bank I approached turned me down flat. These guys found me a private mortgage and I was able to keep my home. Within 18 months they helped me refinance back to a B-lender at a much better rate.
SL
Sandra L.
Mississauga, ON · Private Mortgage Client
I run a small landscaping company and my income looks terrible on paper. TD, RBC, and my credit union all said no. Navid got me approved through a B-lender in 48 hours using my business bank statements. I closed on my first home at 42.
RB
Roberto B.
Calgary, AB · Self-Employed B-Lender
I needed to consolidate $80,000 in debt and my bank wouldn't touch the refinance because of my credit. The private mortgage option was exactly what I needed — straightforward terms, fast closing, and a real plan to get back to prime lending.
PK
Priya K.
Vancouver, BC · Refinance & Debt Consolidation
No Obligation

Your Approval Could Be
48 Hours Away

Stop letting a bank's algorithm define your future. One conversation with our team could change everything. It costs nothing to find out what's possible.

Apply Now — Free Call Navid Directly

Prefer to talk? Call Navid directly at 647-203-1346 — real people, no call centres.