Our Lender Network
Access to 25+ lenders means we can find solutions that a single bank never could.
The bank vs. broker difference
When you walk into a bank, you get one lender's products — take them or leave them. As a broker, I access a network of banks, mono-line lenders, credit unions, and private capital, which means I can match you with the lender whose criteria and products actually fit your situation.
Plus access to many more across private lending, credit unions, and alternative financing. If you don't see a specific lender listed here, chances are I can still place with them — ask.
A-Lenders · Major Banks & Mono-Lines
The lowest rates and most prime-borrower-friendly terms. Ideal for clients with strong credit (680+), verifiable income, and conventional situations. Includes the big banks and major mono-line lenders (lenders that only do mortgages).
B-Lenders · Alternative Financing
For clients who don't fit A-lender criteria — slightly damaged credit, non-standard income (self-employed, commission, new to Canada), or complex situations. Rates are higher than A-lenders but still reasonable. Often a 1-2 year stepping stone back to A-lending.
Credit Unions
Often more flexible than banks on unique situations — self-employed, investment properties, or portfolios with multiple homes. Member-owned co-operatives with competitive rates and a focus on long-term relationships.
Private Lenders & MICs
When speed, flexibility, or credit issues rule out traditional lending — private lenders and Mortgage Investment Corporations (MICs) fill the gap. Rates are higher and terms are shorter, but they close fast and approve situations others won't touch. Ideal for stopping power of sale, bridge financing, or credit rebuilding.
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 → A-Lender
If your credit is 680+, you have verifiable salaried income, and the property is conventional, we shop A-lenders for the sharpest rates.
Self-employed or commission income → A-Lender or B-Lender
If you've been self-employed for 2+ years with clean tax returns, A-lenders can still work. If your tax-reported income doesn't reflect your actual earnings, B-lenders offer "stated income" programs that look at the whole picture.
New to Canada → A-Lender with new-to-Canada programs
Several A-lenders have dedicated programs for newcomers, accepting foreign credit history and shorter Canadian employment records. The trick is knowing which ones and pairing you with the right one.
Damaged credit → B-Lender
Bankruptcy discharge, consumer proposal, missed payments — these narrow the pool to B-lenders. Rates are higher, but it's usually a 1-2 year bridge back to A-lending as credit 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 speed and flexibility that no bank can match.
You don't need to shop around across 25+ different applications. Give me your situation once, and I'll identify the 1-3 lenders most likely to approve you at the best terms. We apply to those only — 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.