- cheryl.sarnavka@mtgarc.ca
- 519-573-9629
Everything you need to plan, structure, and understand your financing — in one place.
View current rate ranges and run scenarios to estimate payments, qualification, and affordability.
Plain-English explanations of mortgages, refinancing, construction, and investment financing.
Access document checklists, buyer guides, and financing prep resources.
Run scenarios, explore options, and get prepared before your strategy call.
Your qualification amount depends on your income, debts, credit profile, and the type of property you’re buying. Most lenders use debt service ratios to determine what’s affordable, but different lenders calculate this differently. We look across multiple lenders and structures to maximize what you can qualify for — not just what one bank will offer.
A bank can only offer their own products. We give you access to banks, credit unions, institutional lenders, and private capital — and structure the deal strategically, not just by rate. This means more options, better approvals for complex files, and a solution designed around your goals, not one lender’s box.
Institutional lenders (banks, credit unions, monolines) offer lower rates but follow strict rules. Private lenders focus more on the property and overall deal structure, offering flexibility when income, credit, or timelines don’t fit standard guidelines. We use both — depending on what best fits your situation.
You should consider refinancing when rates drop, when you want to access equity, consolidate debt, or improve cash flow. It can also make sense when your financial profile has improved since your last mortgage. We run a break-even and strategy analysis before recommending any change.
Typically, you’ll need proof of income, recent pay stubs or financial statements, tax documents, credit consent, and property details. The exact list depends on the type of financing. We provide a clear checklist after a short initial conversation.
Simple files with institutional lenders can be approved in a few days. More complex files or private / structured deals can take longer depending on appraisals, documentation, and lender requirements. We’ll give you a realistic timeline upfront based on your specific deal.
Some institutional lenders prefer higher credit scores, but approval is not based on credit alone. There are many options for bruised or improving credit, especially with alternative or private lenders. We focus on the full picture — income, equity, and strategy — not just one number.
Yes — that’s a core part of what we do. Self-employed income, corporate structures, multiple properties, construction projects, private lending, or time-sensitive deals all require strategy and structuring. We specialize in finding solutions when the deal doesn’t fit inside a bank’s template.