Want me to personally review your mortgage situation? Drop your info below and I'll call you within a few hours. No pressure, just expert guidance.
Been turned down by a bank? You still have options. Mortgagefy works with 100+ lenders to find solutions for self-employed, newcomers, and credit rebuilders.
Takes 30 seconds. No credit check required.
Canada’s major banks approve roughly 60% of mortgage applications. That leaves a significant number of qualified borrowers without a path forward — until they speak to Mortgagefy. We specialize in alternative and private mortgage solutions for clients who do not fit the traditional lending mould.
Alternative mortgages are provided by B-lenders (such as credit unions, trust companies, and monoline lenders) and private lenders. They use more flexible qualification criteria, placing greater weight on property equity and overall financial picture rather than strict credit score and income documentation requirements.
Mortgagefy works with over 100 lenders including A-lenders, B-lenders, MICs (Mortgage Investment Corporations), and private lenders across every Canadian province. We match your specific profile to the lender most likely to approve you at the best available rate.
88% of approved alternative mortgages helped clients with income verification challenges.
📚 Further Reading: Alternative Mortgages in Canada: B-Lenders, Private Lenders, and Your Options — a complete breakdown of alternative lenders, who they approve, and how to apply
Licensed professionals. Response within 2 hours.
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Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
