WHY CHOOSE US
Get Approved with Confidence
Whether you're buying your first home, upgrading, refinancing, or investing, we provide fast, tailored mortgage solutions with access to 50+ lenders — banks, credit unions, B-lenders, and private lenders.
RESIDENTIAL
Residential Mortgages
From first-time buyers to upgrading homes, we provide tailored financing solutions that fit your lifestyle and long-term goals.
COMMERCIAL
Commercial & Mixed-Use
Smart financing for income-producing and business-focused properties - from plaza units to multi-residential buildings.
RATE PROTECTION
Rate Guarantee Programs
Lock in a competitive rate while you shop, protect yourself from market fluctuations, and stress less during the mortgage process.
SUPPORT
Personal Service
Dedicated support from application through to closing and beyond - because better is not just a word, it's an experience.
Top Mortgage Services We Specialize In
From self-employed mortgages to private lending, we've got you covered across all of Toronto, Markham, York Region, Durham & Peel.
Self-Employed Mortgages
Designed for entrepreneurs, contractors, gig workers & business owners.
Proving income with T4s or financial statements isn't always easy. We work with lenders who understand business-for-self clients and offer programs based on bank statements, gross revenue, business deposits, and stated income programs.
Get approved even if your taxable income is low.
Learn More →First-Time Home Buyers
Guidance, incentives & smart mortgage options for your very first home.
Access the RRSP Home Buyers' Plan, land transfer tax rebates, and purchase with as little as 5% down. We help first-time buyers navigate programs, secure pre-approval, and move forward with confidence.
Your first home deserves the right mortgage.
Learn More →Debt Consolidation Mortgages
Turn multiple debts into one low monthly payment.
If you're carrying credit card balances, CRA debt, lines of credit, or personal loans — we can consolidate everything into one affordable mortgage. Lower monthly payments, reduce interest costs, and simplify your finances.
Finally breathe again with one predictable payment.
Learn More →Construction & Renovation Financing
From custom builds to large renovations — we secure the right financing.
We specialize in custom homes, major renovations, land financing, draw mortgages, and rebuilds & additions. Build with confidence using flexible construction financing.
Fund your build in stages with competitive rates.
Learn More →Private Mortgages
Fast approvals for urgent situations or unique income profiles.
Private lending is ideal if you need fast closing, low documentation, short-term solutions, equity-based approvals, or bridge financing. Our private lenders offer competitive rates with flexible terms that traditional banks can't provide.
Get approved when banks say no.
Learn More →Reverse Mortgages
Access your home equity without monthly payments.
For homeowners 55+, convert home equity into tax-free cash while staying in your home. No monthly mortgage payments required. Perfect for supplementing retirement income, covering healthcare costs, or funding home renovations.
Live comfortably in the home you love.
Learn More →INNOVATIVE SOLUTION
Co-Buying: Own a Home Sooner
Don't have enough saved for a full down payment? Co-buying with an equity partner helps you get into home ownership sooner.
- ✓Not a loan — no monthly payments to the partner
- ✓Shared equity partnership
- ✓You live in the home and build ownership
- ✓Ideal for stable income, lower savings
Our Trusted Partners
Our partnerships allow us to offer diverse and flexible financing — traditional, alternative, and everything in between.
Ready to Get Started?
Join thousands of satisfied clients who have trusted us with their mortgage needs. Our expert team is ready to guide you every step of the way.
Testimonials
Conversations with Clients
A few things people have shared with us.
“If you want a broker who will actually fight for your file, look no further. Navigating a complex mortgage transaction felt effortless — every step was explained clearly, and the support from pre-approval to closing was exceptional.”
“We felt supported from start to finish during our first home purchase. Every mortgage option was explained with clarity and professionalism. Clear guidance, quick communication — excellent experience all around.”
“Proactive, knowledgeable, and deeply committed to securing approvals when timing mattered most. Went above and beyond within a very tight timeframe.”
“Super responsive and straightforward. All my questions were answered clearly, and the entire process felt smooth and well handled from day one.”
“Very knowledgeable and genuinely friendly. Helpful throughout the entire process, with real care for what the client actually needs.”
“Every detail was explained patiently, without pressure or sales tactics. Honest, knowledgeable, and truly cares. The experience was stress free from beginning to end.”
“Professional, responsive, and incredibly supportive throughout my home buying journey. Even when challenges arose, solutions followed quickly. Seamless from start to finish.”
“We've worked with Suganthan for many years. The advice has consistently been sound, honest, and reliable. Always had our best interest in mind.”
“After unsuccessful attempts elsewhere, Suganthan structured and secured our construction financing in just a few weeks. I couldn't believe how quickly it came together.”
“What seemed like a stressful situation turned into a smooth approval. Efficient, honest, no hidden costs — and genuine dedication throughout.”
“Over several years, Suganthan helped me grow my real estate portfolio across multiple properties. Beyond securing excellent rates, the guidance extended to rebuilding my credit and strengthening my financial position.”
“Extremely helpful in coordinating with lenders and lawyers, managing every twist and turn effortlessly. A smooth refinance with real peace of mind.”
“Through hard work and genuine expertise, our dream of homeownership became a reality. Professional, dedicated, and a smooth closing.”