One broker, one application, 50+ lenders. Whether you're a first-time buyer, self-employed, new to Canada, financing an investment property, renewing, refinancing, or a bank already said no, there's a solution matched to your specific file — and it costs you nothing.
Confidential and no-obligation. Typical response within one business day.
Walk into any one bank and you get one lender's products, one lender's risk appetite, and one lender's rate sheet. Amir's mortgage network works differently: your application is matched against 50+ banks, credit unions and monoline lenders simultaneously, and the file goes to whichever one actually wants it — at the best rate and terms available for your specific situation.
The lender that wins your business pays a placement fee to the mortgage specialist. You never pay a fee to get a mortgage arranged this way — the cost structure is the same whether you go directly to a bank or come through the network, except you get to compare instead of guessing.
Purchase pre-approvals, mortgage renewals, refinances, and cases where a bank already declined an application or offered rates and terms that weren't competitive. It also covers programs that traditional bank branches routinely miss — for the self-employed, those with complex or multiple income sources, and newcomers to Canada building credit history from scratch.
Every file is different. Here's how the network handles the situations that come up most — including the ones a bank branch will often turn away.
Pre-approval, down payment sources, closing costs and government incentives like the FHSA and the RRSP Home Buyers' Plan — walked through in plain language before you start touring homes.
First-Time Buyer Guide →Business-for-self and variable-income files get declined at bank branches more than any other type — not because the income isn't there, but because it isn't packaged the way an underwriter needs to see it. Stated-income and alternative-documentation programs exist specifically for this.
Discuss Your Income Situation →Newcomer mortgage programs weigh international credit history, employment offers and larger down payments differently than standard files — several lenders in the network specialize in exactly this profile.
See Newcomer Programs →Investment-property mortgages qualify differently than an owner-occupied purchase — rental income offset, larger down payment requirements and portfolio lending all factor in. Modelled alongside the cap rate numbers before you offer.
Investor Financing →Most homeowners simply sign whatever renewal offer their current lender mails them. Running that same file against 50+ lenders first — including any equity take-out or refinance needs — routinely turns up better terms.
Compare My Renewal →One lender's decline is another lender's approval. Alternative and B-lender options exist for credit challenges, past bankruptcy or high debt ratios, often with a clear path back to conventional financing later.
Get a Second Opinion →Enter a home price, down payment percentage, interest rate and amortization to see an estimated payment.
Tell us what you're trying to do — buy, renew, refinance, or something more complicated — and we'll find you a solution across the network, confidentially and with no obligation.