Capital, Structured Around You.
From luxury home purchases to complex commercial capital and private draws, explore bespoke mortgage solutions engineered around your balance sheet.
Structuring
A–Z Custom
Direct lender matching across tier-1 banks, credit unions, and private capital.
Insured Minimum Down
5% Tiered
5% on first $500k, 10% on remainder up to the updated $1.5M threshold.
Updated Insured Cap
$1,500,000
Under federal rules for eligible Canadian borrowers and extended amortizations.
Regulatory Standing
FSRA #11995
Under Ultimate Mortgage Solutions Inc., serving borrowers province-wide.
Our Methodology
A Structured Four-Step Process.
Financing decisions shouldn't feel opaque. Every client engagement follows a disciplined, institution-grade workflow.
Discovery & Assessment
An in-depth review of your property plans, timeline, income structure, and tax positioning.
Lender Matching & Structuring
Simultaneous evaluation against prime institutional lenders, alternative 'B' lenders, and private capital.
Underwriting & Documents
Complete pre-qualification modeling, commitment conditions sign-off, and lender file packaging.
Closing & Beyond
Legal instruction coordination, draw scheduling, and ongoing portfolio renewal management.
Portfolio Solutions
Financing Solutions for Every Property Journey.
Institutional rigor paired with access to 50+ Canadian lenders, alternative trusts, and private pools.
Residential Mortgages
Prime purchases, refinances, equity extraction, and renewals for primary homes and luxury estates.
Commercial Real Estate
Acquisition and term debt for industrial, retail, mixed-use, medical, and office commercial assets.
Construction & Land Draws
Structured progress draw facilities for custom luxury builds, infill subdivisions, and major renovations.
Multiplex & Multi-Family
Financing for duplexes, triplexes, 4–8 unit buildings and purpose-built rentals with rental offset analysis.
Private & Alternative Capital
Fast, flexible 1st and 2nd mortgages when traditional institutional debt doesn't fit timeline or income.
High-Ratio & Insured Mortgages
Navigate CMHC, Sagen, and Canada Guaranty requirements with down payments starting at 5% up to $1.5M.
Advisory Advantage
More Than a Mortgage. A Thoughtful Financing Strategy.
Most lenders look at single-year ratios. We look at five-year wealth creation, liquidity retention, and refinancing exit strategies.
Personalized Assessment
Your goals, holding horizon, and tax strategy are analyzed together — never forced into a generic box.
Financing Structure Analysis
We balance rate, amortization, prepayment flexibility, and break costs for your actual real estate hold period.
Uncompromising Transparency
Clear breakdowns of fee schedules, lender terms, stress-test calculations, and closing expectations.
Full-Cycle Deal Execution
From initial pre-qualification and appraisal coordination to closing day lawyer funding and future renewals.
What Are You Looking to Finance?
Select your scenario to view instant preliminary LTV limits, lender category recommendations, and download a pre-qualification PDF report.
Complex Financing
Not Every Mortgage Fits a Standard Formula.
When standard A-lender automated scorecards decline an otherwise strong transaction, our capital desk steps in with direct underwriting relationships.
Mortgage Tools
Plan With Better Information.
Payment Calculator
True Canadian semi-annual compounding with monthly, bi-weekly, and accelerated payment frequencies.
Affordability & Stress-Test
GDS (39%) and TDS (44%) qualification modeling with the qualifying rate benchmark.
Minimum Down Payment
Tiered Canadian down payment rules on properties up to and over the updated $1.5M threshold.
CMHC Insurance Estimator
Illustrative default insurance premium rates (2.80% to 4.00%) financed directly into principal.
Ontario & Toronto LTT
Accurate provincial brackets plus City of Toronto municipal tax and first-time buyer rebates.
Begin Today
Your Next Property Decision Starts With a Conversation.
Whether you are securing financing for an Ontario purchase, unlocking commercial equity, or arranging private bridge debt, our Richmond Hill team is ready.
132 King Rd, Suite 201, Richmond Hill, ON • (647) 830-9494 • FSRA Licence #11995