Rarely. We do our own internal property evaluations, which means no waiting on appraisers or passing that cost onto your client. All we need are recent photos and base property details if none are avaialble online —then we take care of the rest. This saves brokers time and helps deals move quickly.

To give you a quick, high-level answer, all we need is the property address, details of any existing mortgage registrations, and the amount your client is looking to borrow. With that, we can usually tell you right away whether the deal fits our lending parameters—no lengthy application required upfront.

Once we can confirm a deal is moving forward, we’ll need the following documents to complete our review and prepare for funding:

• Completed application

• Credit bureaus for all borrowers on title

• Property tax statement

• 1st Mortgage statements (for second mortgages)

• Most recent Notice of Assessment for all borrowers on title

For purchases, we also require:

• Agreement of Purchase and Sale

• Any fulfilled conditions or related documentation such as the statement of adjustments (for new builds)

For condos or condo townhouses, please include:

• A current status certificate

Collecting these documents early helps us move quickly and ensures there are no surprises as the deal progresses.

Yes. We are equity-based lenders, which means we prioritize the strength of the property over traditional qualifiers like credit score or income. If the equity is there and the repayment plan makes sense, we’re interested.

We generally lend up to 70% in primary locations, but we're flexible based on the strength of the deal and the property. If it makes sense, we’ll find a way to make it work.

We are always open to tagging collateral properties which can make higher LTV deals work.

We typically provide same-day commitments. We’re responsive and act quickly because we know your client—and your reputation—are on the line.

Once conditions are met and legal is in motion, we can often fund in just a few business days. Our streamlined process and internal property evaluations help avoid unnecessary delays. We also have an in-house lender legal team which means consistent and a reliable answers.

Yes. We’re fair on pricing and always transparent about fees. You’ll never be surprised by hidden costs, and we price deals to help you win business—not lose it to the next option.

Absolutely. We value our broker relationships and ensure your fees are protected and paid out on closing as agreed. We recommend issuing your letter of direction to our lawyers to ensure its paid.

Yes. If there’s solid equity and a logical plan, we’ll look at it. We approach every file with flexibility and a willingness to create a custom solution that gets your client approved and your deal funded.

Yes—we lend anywhere in Ontario and have also developed relationships to help fund loans in BC, Alberta and the East Coast. Our loan-to-value (LTV) is flexible and based on the strength and marketability of the property. The more liquid and stable the asset, the higher we’re typically willing to go.