• cheryl.sarnavka@mtgarc.ca
  • 519-573-9629
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Residential Mortgage Solutions,
 Built Around Your Life

From first homes to complex refinancing, we structure smart residential financing using banks, credit unions, and private lenders across Canada.

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Why Clients Use Us

First & second mortgages from 50+ lenders

Complex files welcome (self-employed, credit, transitions)

Strategy-first approach, not rate-first

Long-term advisory, not transactional

Our Featured Residential Products

First Mortgages
  • Purchase Mortgages
  • Switch / Transfer Mortgages
  • Insured & Conventional Mortgages
  • Fixed & Variable Rate Mortgages
  • High-Ratio & Conventional Mortgages
  • Owner-Occupied & Rental (1–4 units)
Specialized Borrower Programs
  • Newcomer to Canada Mortgages
  • Self-Employed / Stated Income
  • Alternative / B-Lender Mortgages
  • Credit-Challenged Mortgages
  • Reverse Mortgages
  • Separation / Divorce Buyouts
Refinance & Equity
  • Mortgage Refinancing
  • Equity Takeouts
  • HELOCs
  • Re-Advanceable Mortgages
Second Mortgages
  • Equity Access Seconds
  • Debt Consolidation Seconds
  • Private Second Mortgages
  • Short-Term Second Mortgages
Short-Term & Transitional
  • Bridge Loans
  • Short-Term Private Mortgages
Advisory
  • Mortgage Consultation
  • Pre-Approval Strategy
  • Credit Coaching & Mortgage Readiness

Professional Mortgage Programs

Tailored lending solutions for doctors, dentists, lawyers, accountants, engineers, and other high-income professionals.

Professional Income Deserves Professional Financing

Many Canadian lenders offer specialized mortgage programs designed specifically for professionals with strong long-term income potential. These programs recognize that traditional underwriting doesn’t always reflect the financial reality of professionals early in or mid-career — especially those with high student debt, incorporated income, or rapidly rising earnings.

At Inclusive Lending, we work with banks, credit unions, and specialty lenders that offer exclusive professional programs with:

  • Higher loan-to-value options
  • Preferential rates and terms
  • Flexible income qualification
  • Reduced or waived lender fees
  • Simplified approval processes

Whether you’re purchasing your first home, upgrading, or refinancing, we structure your mortgage around your future earning power — not just last year’s tax return.

Eligible Professions Often Include:
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This is not a “special rate” — it’s a different underwriting philosophy.
Learn about exclusive professional mortgage programs.
Speak With a Mortgage Strategist