Canadian family at home
Advisory First

Personalized Mortgage Guidance

Whether you're purchasing, refinancing, accessing equity, or navigating alternative lending after a bank decline—we tailor strategy to your goals (not a template). We work with a network of Canadian lenders (chartered, alternative & private) to align flexible terms, transparent costs, and a realistic pathway forward.

  • Purchase & Renewal: Rate insights plus structure for future flexibility.
  • Refinance & Debt Optimization: Consolidate higher-interest obligations intelligently.
  • Equity Access: Fund renovations, investment or education with lifecycle planning.
  • Self‑Employed / Non‑Traditional: Pragmatic documentation pathways.

No obligation • Transparent options • Canada‑wide

Explore Your Options

Access Your Home Equity Responsibly

Convert a portion of built-up equity into strategic funding (renovations, debt restructuring, education, investment diversification or short‑term liquidity). We map refinance / second mortgage / HELOC paths so you understand cost structure, break‑even timing and forward flexibility.

ClarityFully outlined rates & fees pre‑commitment.
StrategyAlign borrowing with cash flow horizon.
SpeedAlt lender decisions in days.
GuidanceRenewal & exit planning built in.
Start Equity Review

Estimates & timelines depend on valuation, underwriting criteria & provincial regulations. Not an offer to lend. Consider long‑term affordability.

Bank Declined? You Still Have Options.

A traditional bank decline simply indicates their underwriting model wasn't an immediate fit. We map alternative tiers, equity positioning, debt‑service flexibility and phased improvement strategies—re‑establishing momentum toward mainstream qualification.

  • Credit Rehab Pathing: Structured steps to upgrade lender class (12–24 months).
  • Self‑Employed Solutions: Bank statement / stated income oriented pathways.
  • Bridge & Transition: Short‑term interest‑focused scenarios where appropriate.
  • Debt Consolidation: Rebuild score trajectory & stabilize cash flow.

Manual review—no automated rejections.

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Flexible Equity Ratios

Private & alternative tiers consider broader collateral context.

Progressive Exit Planning

Mapped steps toward prime lending qualification.

Transparent Fee Review

Broker & lender fees outlined pre‑commitment.

Credit Rebuild Support

Structured re‑score strategy & monitoring tips.

How It Works

A streamlined Canadian mortgage experience—transparent, structured and supportive.

1
Discovery & Intake

Share goals, property details & current challenges. We outline viable lending categories & documentation priorities—no obligation.

2
Assessment & Strategy

We model scenarios (rate ranges, payment structure, exit timeline) & position your file with suitable lenders or private funding channels.

3
Approval & Ongoing Support

Conditional approval, document finalization & post‑funding guidance for renewal or transition to lower‑cost lending.

Why Canadians Choose SmartLend

A balanced approach—risk awareness, opportunity mapping & practical mortgage design.

Multi‑Lender Access

Institutional to private—structured escalation path.

Exit Planning Built‑In

Roadmap toward improved rates & mainstream qualification.

Transparent Fee Review

Costs presented before commitment or valuation ordering.

Ongoing Support

Renewal coaching, refinance triggers & credit optimization tips.

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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.

Compare Interest Rates

  • 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

Explore Your Options

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.

Explore Your Options

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.

Explore Your Options

100%, Yes!

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

Pre-Approve Your Mortgage

Disclaimer: This website provides general mortgage information for Canadian residents and does not constitute a commitment to lend. All approvals are subject to full underwriting review, property valuation, lender guidelines, provincial regulations and, where applicable, insurer requirements. Products, rates and fees are subject to change without notice. Not all applicants will qualify for all scenarios referenced. Equity access and refinance strategies should be evaluated against long‑term affordability, tax considerations and potential prepayment or legal costs. Always consult appropriate licensed professionals (legal, tax, financial) before finalizing borrowing decisions.

SmartLend operates within applicable Canadian mortgage brokering regulations. By submitting an application you consent to necessary credit inquiries and lender communications relevant to your file.