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Mortgage Solutions for Every Situation

Whether you are buying your first home, consolidating debt, facing financial hardship, or investing in property — Mortgagefy connects you with the right lender from our network of 100+ partners. Licensed brokerage. Real solutions.

Residential Mortgages

First-Time Home Buyer Mortgage

Down payments as low as 5%. Access government incentives like the Home Buyers’ Plan and FHSA. Pre-approval in 24 hours.

Mortgage Renewal

Renewing in 2026? Don’t just accept your bank’s offer. We shop 100+ lenders to get you the best rate — even with changed circumstances.

Mortgage Refinancing

Access up to 80% of your home’s value. Lower your rate, consolidate debt, or fund major expenses through your equity.

Renovation Mortgage

Roll renovation costs into your mortgage with Purchase Plus Improvements. Finance upgrades at mortgage rates, not credit card rates.

Reverse Mortgage

Homeowners 55+ can access up to 55% of their equity with no monthly payments. Tax-free cash. Stay in your home.

Mortgage Pre-Approval

Lock in today's rate for up to 120 days while you shop for your perfect home. Know your exact budget before making an offer.

Vacation Property Mortgage

Finance your cottage, cabin, or vacation property. Flexible down payment options and competitive rates for secondary homes across Canada.

Mortgage Porting

Moving? Transfer your existing mortgage rate and terms to your new property. Avoid penalties and keep the rate you already locked in.

Rent-to-Own Mortgage

Build equity while renting with a structured path to ownership. Ideal for buyers working toward a down payment or rebuilding credit.

Alternative & Private Lending

Non-Prime Mortgages

Bruised credit? Life happens. Our B-lender and private partners approve mortgages based on equity and income — not just your credit score.

Alternative Mortgage

B-lender mortgages for borrowers who fall just outside traditional bank criteria. Competitive rates from regulated alternative lenders.

Consumer Proposal Mortgage

A consumer proposal is not the end of homeownership. We help you get approved during or after a proposal through specialized lenders.

Private Mortgage

Fast, flexible financing based on your home equity — not your credit score. Quick closings and competitive private lending rates.

Home Equity Solutions

Second Mortgage

Access up to 85% of your home’s value with a second mortgage. Fast approvals — often within 24 to 48 hours through private lenders.

Home Equity Line of Credit (HELOC)

A revolving line of credit secured by your home equity. Borrow as you need, pay interest only on what you use.

Debt Consolidation

Consolidate credit cards, car loans, and lines of credit into one low mortgage payment. Save thousands in interest annually.

Home Equity for Emergencies

Fast access to funds when life throws a curveball. Medical bills, urgent repairs, or unexpected expenses funded in as little as 48 hours.

Home Equity Loan

Borrow a fixed lump sum against your home equity at low rates. Predictable monthly payments with terms tailored to your needs.

Refinance to Renovate

Tap into your home equity to fund renovations and upgrades. Finance improvements at mortgage rates instead of credit card rates.

Specialized Programs

Self-Employed Mortgage

Self-employed income is harder to document but not harder to approve. Stated income programs and alternative verification methods available.

New to Canada Mortgage

Permanent residents and work permit holders can qualify with as little as 5% down — even without Canadian credit history.

Stop Power of Sale

Facing foreclosure? We have helped homeowners stop power of sale in as little as two weeks through private and alternative lenders.

Bridge Financing

Short-term financing to bridge the gap between selling your current home and closing on your new one. Stress-free transitions.

Investment & Commercial

Investment Property Mortgage

Finance rental properties and grow your portfolio. Qualify using rental income and property cash flow with competitive rates.

CMHC MLI Select

CMHC-insured multi-unit financing with up to 95% LTV and 50-year amortization. Point-based incentives for affordable and energy-efficient housing.

Commercial Lending

Financing for commercial real estate, mixed-use, retail, office, and industrial properties from our network of commercial lending partners.

Construction Mortgage

Staged draw financing for new builds and major renovation projects. Interest only on funds drawn. Terms from 6 to 24 months.

Not Sure Which Solution Fits?

Every situation is different. Tell us about yours and we will match you with the right lender in 24 hours.

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