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Alternative Home Loans & Mortgages

It's better to leverage SmartLend.ca for your home loan or mortgage

Simple to sophisticated mortgage management solutions, our plans evolve with your changing needs.
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Get Upto $350K

Funds Deposited Within 48 Hours

Get Approved Regardless Of Your Current Situation

Get Upto $350K

Did The Bank Say No?

We Will Always Help You

You’ve built your success through years of hard work. With that comes the complexities of balancing family, your work and planning for the future. We can help.
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Little To No Credit or Income Accepted

Self Employed With Low Income

No Income Tax Returns Required.

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Smartlend.ca Testimonial
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My family highly recommends SmartLend and the people who work there for their commitment and reselience. My husband & I were told its impossible to be funded by the banks and mortgage brokers until we leveraged Smartlend.

Monica Pollack | Toronto, Ontario - Recommends SmartLend.ca

$979 Million Funded

You don’t need to be a financial wizard to become financially certain.

SmartLend.ca will do the heavy lifting for you.

Frequently Asked Questions

Use your real property as a financial strategy

There is no minimum credit score to qualify for a mortgage because if your credit score is less than 630 (Fair) a B-Lender or an alternative lender may fund your mortgage with a slighlty higher interest rate.

If you have a good credit score which is 750 and greater you are very likely to be funded by a major bank with lower interest rates and fees.

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  • When purchasing a property consider a larger downpayment
  • To refinance, you should have considerable amount of equity in your property
  • Stage your property for a full appraisal to get a higher valuation
  • You must be able to show a steady flow of income or revenue

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Banks make sure you can afford to borrow funds before they lend to you. But sometimes, it's possible to buy more house than you can truly afford. Getting approved for the money to buy a home is one thing, but being able to truly afford it is another.

SmartLend.ca can help you get funded regardless of your current situation.

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You can access upto 85% of your home equity and upto 95% under certain circumstances.

You don't need to have perfect credit to qualify for a mortgage.

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100%, Yes!

We Help Real People Like You Become Financially Certain, Regardless Of Your Current Situation

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