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Our lender network

Access to 25+ lenders means we can find solutions a single bank never could.

The bank vs. broker difference

Walk into a bank and you get one lender's products — take them or leave them. As a broker, I work with a network of major banks, specialty lenders, credit unions, and private capital. Which means I can match you with the lender whose criteria and products actually fit your situation, not just the one whose branch you're sitting in.

These are the names I work with day-to-day.

Plus access to many more across credit unions, private capital, and specialty financing. If you don't see a specific lender listed, chances are I can still place with them — just ask.

Major banks & prime mortgage lenders

The lowest rates and most prime-borrower-friendly terms. Ideal for clients with strong credit, verifiable income, and conventional situations. Includes the big banks and major mono-line lenders (lenders that only do mortgages).

Scotiabank
TD Bank
BMO
First National
MCAP
Equitable Bank
RFA
B2B Bank
Merix Financial
RMG Mortgages
Radius Financial
Canadian Western Bank
Strive Capital
Maple Financial

Specialty mortgage lenders

For borrowers whose situation doesn't fit a prime-bank checklist — self-employed with non-traditional income, newcomers to Canada, anyone rebuilding credit, or borrowers who simply have a more complex story. Specialty lenders look at the whole picture instead of a single number, and their rates are competitive given the flexibility they offer.

Haventree Bank
Home Trust
Community Trust
… and more

Credit unions

Often more flexible than the big banks on the situations that need flexibility — self-employed income, investment properties, portfolios with multiple homes. Member-owned, focused on long-term relationships, and competitive on rate.

Meridian Credit Union
DUCA Credit Union
IC Savings
Desjardins

Private lenders & MICs

When speed, flexibility, or short-term bridging matter most, private lenders and Mortgage Investment Corporations (MICs) fill the gap. Higher rates and shorter terms, but they close fast and approve situations the larger institutions won't touch. Ideal for stopping power of sale, bridge financing between homes, or a credit-rebuilding plan.

CMI
Hosper MIC
Armada MIC
Home Equity Bank
Secure Capital
VAULT
New Haven MIC
Streamline Mortgages
Magenta
Hill Mount Capital
DV Capital
Everland MIC
… and more
How I choose

Matching you to the right lender

With 25+ lenders in the active network — plus access to many more — the real question isn't "which lender?" It's which lender is the right fit for this specific client? Here's how I think about it.

Strong credit, conventional situation

→ Major bank or prime lender

If your credit is 680+, you have verifiable salaried income, and the property is conventional, we shop the prime lenders for the sharpest rates available.

Self-employed or commission income

→ Prime lender or specialty lender

If you've been self-employed for 2+ years with clean tax returns, prime lenders can still work. If your tax-reported income doesn't reflect your actual earnings, specialty lenders offer stated-income programs that look at the whole picture.

New to Canada

→ Prime lender with newcomer programs

Several major banks have dedicated programs for newcomers, accepting foreign credit history and shorter Canadian employment records. The work is knowing which ones, and pairing you with the lender whose criteria match your specific story.

Rebuilding credit

→ Specialty lender

Bankruptcy discharge, consumer proposal, missed payments — these narrow the pool to specialty lenders. Rates run higher, but it's usually a 1-2 year bridge back to prime as the credit profile heals.

Urgent or highly unusual

→ Private lender

Stopping power of sale. Bridge financing between homes. A deal that needs to close in 10 days. Private lenders specialize in the speed and flexibility no bank can match — we use them surgically.

Investor, multi-property, or unusual asset mix

→ Credit union or specialty

Credit unions are often the most flexible on portfolio borrowers, multi-unit investments, or anything that breaks the standard residential mold. Specialty lenders fill in where credit unions can't.

One broker, every lender.

You don't need to shop across 25+ different applications. Give me your situation once, and I'll identify the 1-3 lenders most likely to approve you on the best terms. We apply only to those — no unnecessary credit inquiries, no wasted time.

Let's find the right lender for you

Tell me about your situation and I'll map the options.

Start your application Call (416) 567-2552