Mortgage options - even institutional ones - have always been abundant outside of traditional institutions such as Tier 1 banks: from provincial banks to private lenders

The 'big banks' are often the first place you think of for a mortgage because you see them on nearly every street corner. However, being federally regulated, their mandated lending parameters are very strict across the board.

Other provincially regulated lenders pick a niche and lend wisely within that niche. They can lend where federally regulated banks cannot. They don't lend foolishly, but they have more freedom where an application makes sense.

These lenders rely on mortgage brokers to represent the client side of the transaction, to structure an application correctly, to collect and validate documents. In the case of private lenders and many other institutions you cannot apply for a loan directly to a lender.

That's where a broker fits into the Alternative and Private borrowing process.

We represent you, disclose costs and risks in clear and plain language and provide access to loans that you cannot access on your own.

Knowing who these lenders are and what they specialize in is key. I make it my job to know what unique products are out there and to find the best one for you.