Strategic Financing.
Complex Profiles.
Smarter Structuring.
We structure intelligent mortgage solutions for self-employed professionals, real estate investors, and clients who need more than a basic bank approval.
Meet Your Advisor
A Personal Message from Steven
Hear directly about our strategic approach to mortgage structuring and what makes our boutique advisory different.
2-Minute Overview
Learn how our strategy-first approach differs from typical rate-focused brokerages.
Complex File Expertise
Specialized in self-employed, investor, and alternative lending scenarios.
Advisory-Level Service
Every client receives a tailored financial strategy, not a cookie-cutter approval.
Our Process
The Structured Approach
A methodical, advisory-level process that turns complex financial profiles into funded mortgage approvals.
Step 01
Deep Financial Review
We analyze your full financial picture -- income, business financials, credit profile, property portfolio, and long-term objectives.
Step 02
Strategic Deal Structuring
We build a financing strategy across our entire lender network, structuring the deal for maximum approval and optimal positioning.
Step 03
Seamless Execution
From lender negotiations to closing, we manage every detail so the process feels simple -- even when the file is complex.
Full-Service Mortgage Solutions
Every Mortgage. Every Situation.
From first-time buyers to complex refinancing, separation structuring to investor portfolios -- I handle the full spectrum. Start with me and I'll find the right path forward.
Self-Employed Structuring
Strategic income structuring for business owners, contractors, and professionals with non-traditional income.
Purchase Financing
First-time or experienced buyer -- we structure the deal around your financial profile, not a one-size-fits-all checklist.
Alternative & Private Lending
Access to lending channels beyond traditional banks for complex files, bruised credit, or unique properties.
Strategic Refinancing
Equity planning, debt restructuring, and portfolio optimization for long-term financial positioning.
Debt Consolidation
Restructure high-interest obligations into a single strategic mortgage payment.
Renewal Advisory
Never auto-renew. We analyze your current position and negotiate better terms at renewal.
Reverse Mortgages
Tax-free access to your home equity without selling or making monthly payments.
New to Canada
Specialized programs for newcomers, permanent residents, and those building credit history in Canada.
Construction Financing
Custom build financing, major renovation loans, and development project structuring.
Divorce & Separation
Spousal buyouts, matrimonial home transfers, and new purchases after separation — structured with clarity and discretion.
Strategic Partnerships
Our Lending Network
Access to 60+ prime, alternative, and private lending channels allows us to structure deals that a single institution simply cannot match.
Equitable Bank
Home Trust
XMC Mortgage
Lendwise
Fisgard Capital
RMG Mortgages
MCAP
Private Lending
Equitable Bank
Home Trust
XMC Mortgage
Lendwise
Fisgard Capital
RMG Mortgages
MCAP
Private Lending
Plus access to 60+ additional prime, alternative, and private lenders across Canada
Logos shown are for illustrative purposes only and do not imply endorsement, sponsorship, or affiliation unless otherwise stated.
The Difference
A Strategic Approach,
Not a Rate Shopper
You don't need more options -- you need the right strategy. We structure mortgage solutions around your income, business financials, investment goals, and long-term financial positioning.
I Outperform the Banks
I shop your file across 60+ lenders -- banks, credit unions, monolines, and private sources. You get options your bank would never show you, and rates they can't match.
End-to-End, Every File
Simple purchase or complex refinancing, self-employed or separation structuring -- I handle the full process from first call to funded mortgage, no hand-offs.
Strategy Over Rate Shopping
The right structure saves you more than the lowest rate. Every file is built around your long-term financial position, not just today's number.
I Do the Heavy Lifting
You focus on your life. I handle lender negotiations, paperwork, follow-ups, and every detail from application through closing.
No Limits, No Surprises
Whether your file is straightforward or uniquely challenging, there's always a path forward. I'll tell you exactly what it is and how we get there.
Boutique Advisory Expertise
0+
Lender Partners
0.0/5
Google Rating
0
Advising Since
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Client Focused
"Steven structured a deal that three other brokers said was impossible. His understanding of business financials and lender relationships is on another level."
-- Recent Client, Google Review
Google Reviews
What Our Clients Say
Every review is from a real client on Google. 5-star rated.
"Getting a mortgage can be a very stressful process especially when you have unique situations that presents challenging bottlenecks. Working with Steve has been one of the most amazing process I have experienced."
Somtochuwku Achiugo
"I had the pleasure to work with Steven recently. He shared with me his vast experience and options he brought to the table with respect to the lenders and how best the customer in this case me would benefit."
Rakshith Purushothama
"As a first time home buyer with very limited resources, it was very difficult to find a broker who was willing to listen to my story and needs. Another broker told me to try Rent-to-own scheme because no lender was going to accept my application. Steven listened, understood, and got me approved."
Wadzanai Shumbanhete
FAQ
Frequently Asked Questions
Answers to common questions about our strategic mortgage advisory approach.
Start the Conversation
Book Your Free Strategy Call
I'll do the heavy lifting -- shopping 60+ lenders, structuring your deal, and handling every detail from start to close. No obligation. Just results.