The Equity Shoppe engages in mortgage investment banking activities in Ontario, including full-service mortgage brokering. We are a registered mortgage administrator and broker (FSCO Licence No. 16242 and 16243). Rates for residential mortgages will depend on the amount of your provable income (by way of job letter and CRA issued Notices of Assessment), and your credit score and history. Rates for commercial mortgages are quoted on a deal by deal basis.

All applications will be considered regardless of credit or provable income. However, any weakness in your application with respect to either your credit or income will affect your ability to obtain the lowest rate institutional financing.

If your situation dictates that you may require interim private financing to strengthen your application, our mission is to provide people who need private financing an avenue where they will be treated fairly and honestly. We administer large mortgage portfolios for many individuals and corporations and invest both our own funds, and the funds of our clients, in residential first and second mortgages, and commercial mortgages. We also have an extensive network of contacts within the institutional and quasi-institutional mortgage industry.

People are stressed when the bank says no, and at The Equity Shoppe, we understand this. We, of course, cannot help everyone who needs financing, but our flexible underwriting criteria and broad access to funds allows us to help fill the void in the Ontario mortgage market recently created by the federal government imposing the new “stress tests” for residential mortgages, and the void of mortgage money available in general for commercial mortgages.

If you would like a no-obligation assessment of your situation, please access our Submit a Deal button on the top left corner of this page, and we will contact you usually the same day.