Explore Our Mortgage Solutions
Mortgage After Consumer Proposal
A consumer proposal doesn't have to keep you out of the housing market. We work with lenders across Toronto and the GTA who look past the R7 rating on your credit bureau, whether you're still making payments or already discharged. If the bank says no, we say yes.
Mortgage After Bankruptcy
A discharge doesn't have to mean years on the sidelines. We place GTA borrowers with the right lender at each stage of recovery, from private financing the week after discharge to bank-rate approvals once credit is rebuilt.
CRA Tax Debt and Property Tax Arrears Mortgage
If the CRA has registered a lien on your home, or your property taxes have fallen behind, refinancing can pay the debt in full at closing. We connect GTA homeowners with lenders who look at the equity in your home first and the lien second.
Private Mortgage
Private mortgage lenders in Toronto approve applications that banks and B lenders decline. Approval is based primarily on property equity and loan-to-value ratio rather than credit score or income documentation. At Everything Mortgages, we connect borrowers with private mortgage lenders across Toronto and Ontario, structure the application to present the file in the strongest light, and manage the process through to funding.
Second Mortgage
A second mortgage in Toronto lets you access your home equity without breaking your existing first mortgage or triggering a prepayment penalty. It sits behind your first mortgage on title and advances funds as a lump sum at closing. At Everything Mortgages, we place second mortgages for Toronto and GTA homeowners with strong credit and those with bruised credit, accessing B lenders, private lenders, and MICs to find the right fit for each file.
B Lender Mortgage
Bank said no? A B lender mortgage gives creditworthy borrowers a regulated path to approval when the major banks decline. At Everything Mortgages, we match clients across Ontario with the right B lender mortgage based on their credit profile, income type, and property, not just their credit score.
Self Employed Mortgage
Banks decline self-employed mortgage applications when declared income on your tax return is too low to pass their debt service calculation, even when your actual cash flow comfortably supports a mortgage. At Everything Mortgages, we access 50+ lenders who assess self-employed borrowers on bank statements and business cash flow rather than declared income alone.
Investment Property
An investment property mortgage in Ontario works differently from a mortgage on a primary residence. Down payment requirements are higher, rental income qualification rules are specific, and lender criteria vary considerably depending on the property type and the investor's existing portfolio. At Everything Mortgages, we work with buyers financing their first rental property and experienced investors adding to an existing portfolio, and we access more than 50 lenders to find the right structure for each file.
Reverse Mortgage
A reverse mortgage in Ontario lets homeowners aged 55 and older access up to 55% of their home's appraised value as tax-free cash, without selling the property or making monthly mortgage payments. The loan is repaid only when the home is sold, the owner moves out permanently, or the estate is settled. At Everything Mortgages, we help Ontario homeowners understand whether a reverse mortgage is the right structure for their retirement needs and compare it against other equity access options.
Purchase Plus Improvements Mortgage
A purchase plus improvements mortgage lets you buy a property and finance the cost of renovations in a single loan. Instead of purchasing a home at its current condition and arranging separate renovation financing afterward, the improvement costs are added to the mortgage at the time of purchase, based on the home's appraised value after the work is completed. At Everything Mortgages, we guide buyers through the quote, approval, and draw process from start to finish.
Alternative Lenders
Turned down by your bank? At Everything Mortgages, we work with the complete spectrum of alternative mortgage lenders in Ontario, including B lenders, private lenders, Mortgage Investment Corporations (MICs), and credit unions, to find financing that fits your actual situation.
First-Time Homebuyer Mortgage
Buying your first home in Toronto is one of the largest financial decisions you will make. A first-time home buyer mortgage gives you access to lower down payment options, government incentives, and pre-approval pathways that put you in a stronger position when you find the right property. At Everything Mortgages, we guide first-time buyers through every step of the process, from understanding what you qualify for to closing.
Mortgage Refinance
A mortgage refinance replaces your existing mortgage with a new one at a higher balance, giving you access to your home equity as a lump sum. Toronto and GTA homeowners use refinancing to fund renovations, finance investment purchases, and gift down payment funds to children. At Everything Mortgages, we compare options across 50+ lenders and identify the right structure for your specific goal.
Bad Credit Mortgage
A bad credit or poor credit score does not automatically disqualify you from getting a mortgage in Toronto. Banks and A lenders decline files below their credit thresholds, but that is where our work begins. At Everything Mortgages, we specialize in bad credit and poor credit mortgage approvals across the GTA, matching clients with B lenders and private mortgage lenders whose criteria are built for exactly this situation.
Debt Consolidation Mortgage
Carrying credit card balances, lines of credit, and car loans alongside a mortgage is a cash flow problem that compounds every month. A debt consolidation mortgage in Toronto lets you roll those high-interest obligations into your mortgage at a significantly lower rate, reducing your total monthly payment and replacing several creditors with one. At Everything Mortgages, we assess your home equity, current debt load, and financial goals to find the right consolidation structure for your situation.
Home Equity Line of Credit
A HELOC in Toronto gives homeowners revolving access to their home equity at a low variable rate, without requiring a full mortgage refinance. You draw what you need, pay interest only on what you use, and repay and redraw as your financial needs change. At Everything Mortgages, we access 50+ lenders to find the right HELOC structure for your equity position, credit profile, and purpose.
Home Renovation Mortgage
Most Toronto homeowners already have the asset they need to fund a renovation: their home equity. A home renovation mortgage lets you access that equity through a refinance, a HELOC, or a second mortgage. At Everything Mortgages, we identify which structure produces the lowest total cost for your situation. Buying a property that needs work? That is a different product. See our Purchase Plus Improvements mortgage for that option.
Mortgage Renewal
When your mortgage term ends, your lender will send a renewal offer. Most Toronto homeowners sign it without shopping around. That is one of the most expensive decisions a homeowner can make. Lenders rely on the auto-renewal default; their renewal offer is almost never their best rate. At Everything Mortgages, we compare mortgage renewal options across 50+ lenders and negotiate on your behalf, so you know the full range of what is available before you sign anything.
