Strategic Mortgage Solutions – No Matter Where You’re Starting From
Real-life mortgages for real-life clients. From AAA credit to complex rescue deals –
we build approval strategies that actually win.
From A-lender purchases to private rescue deals, restructuring debt, our national team of experts builds real plans, not just rate quotes.
[📍 Book Your Strategy Call]
[📥 Refinance Rescue Guide]
[💻 Try the Refinance Calculator]
[📤 Start Application Now]
About SM Mortgages:
We’re two agents with a combined 18+ years in finance and 7+ in mortgages — and we built SM Mortgages to do things differently. Two women. One vision. One mission. Originally created as a space to support women, SM Mortgages has grown into a mission to bring real education and tailored advice to more Canadians — especially those who’ve been left behind by the traditional system.
This isn’t a bank. This is personal strategy, real education, and help that meets you where you’re at — not just where a credit score says you should be.
Our team spans across Canada and works closely with realtors, financial advisors, and private lending partners to offer strategic, flexible options at any stage: purchase, renewal, refinance, or recovery.
How We Help Canadians
Home Buying
Ready to buy? From fixed to variable, insured to conventional, we explain your options and protect your long-term goals. Whether it’s your first or your investment property — get approved with the right structure, not just the easiest lender.
[Learn More →]
Refinance
Rising rates and high debt are squeezing homeowners nationwide. Don’t just renew by default — explore refinance strategies that could save you thousands and reduce stress.
[Explore Refinance Options →]
Renewal or Switch
2026 is going to hit hard. Don’t wait to find out you can’t afford your new rate. Book a review now or explore if switching is smarter.
[Learn Your Options →]
Equity Take-Out & Cash-Flow Strategy
Whether you’re feeling financial pressure, planning a reset, or ready to grow your portfolio—your home equity can be a powerful financial tool when used correctly. Need cashflow or equity to invest? Your home isn’t just a roof — it can be your springboard for renovations, investment, or financial reset.
[See How →]
Private Lending &/or Complex Files
Bank said, no? That doesn’t mean it’s over. Not every file is “perfect” – and not every solution should be. We help you survive the moment, and rebuild the next move. Self‑employed, credit‑challenged, or unique situations, we find the yes.
[See if you qualify →]
Reverse Mortgage / Senior Planning
Your home’s equity can finally work for you, not against you. Use your equity to live comfortable, without losing ownership or financial security.
[Find Out More →]
Investing, Real Estate Growth & Flips
Working with seasoned realtors, we help clients leverage equity for smart portfolio growth. Whether you’re a beginner or a multi-property investor, we help align your lending with your goals. Leverage equity and smart structure to grow a property or investment portfolio, not just carry debt.
[Build Your Strategy →]
Real-Life Results / Testimonials
Here’s how strategy makes a real difference:
✅ Helped a single mom drop $50K in debt + save $600/month
✅ Got a self-employed buyer approved when 3 banks said no
✅ Restructured a mortgage to help fund retirement with dignity
[Client Testimonials→]
Resources
We’re launching tools and content to help Canadians rethink debt, homeownership, and wealth and make smarter moves heading into 2026.
[Join the list & get access to additional guides & resources]
Ready to talk real options?!
Whether you’re stuck, unsure, or just curious, we’re here to help.
→ [Book a 15-min consult]
→ [Send a quick question]
→ [Start an Application]
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