0% Down
Mortgages in Ontario
We don’t offer 0% down mortgages, but we can help you buy using your equity or a down payment.
Looking for a 0% Down Mortgage?
We do not offer 0% down mortgages. We work with equity lenders: private mortgages are based on the value of a property and the equity in it. That means we can lend against a home you already own, or help you buy a home when you have a down payment. In Canada, home purchases need a down payment — at least 5% on the first $500,000 of the price, 10% on the portion from $500,000 to $1.5 million, and 20% on homes priced at $1.5 million or more. Private and alternative lenders usually require more, often 20% or higher. If you own a home with equity, we may be able to lend against it to help fund your next purchase.
Use Your Home Equity
Borrow against a home you own, up to 80% of its value including existing mortgages.
Buy With a Down Payment
Purchase financing when you have a down payment, including bruised credit or non-traditional income.
Straight Answers
No 0% down promises. We’ll tell you upfront what is possible.
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“Since 1989 I’ve helped those across Ontario with bad credit, unprovable income and those in power of sale, obtain first, second & third mortgages.”
“I specialize in hard to place private mortgages for residential, commercial, farm and land mortgages.”
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