Not Every File Is Clean. That Doesn’t Mean It’s a No.
Traditional lenders only want traditional files. But life, income, and credit don’t always follow the rules, and that’s where we step in.
At SM Mortgages, we’ve helped Canadians across the country secure approvals through B lenders, private funds, and equity-based solutions that banks often walk away from.
We don’t guess. We build a clear, structured path to “yes.”
📍 [Book a Strategy Call]
📤 [Start Your Application]
📥 [Download Our Rescue Guide]
What We Help With:
✔️ Self-employed with non-traditional income
✔️ Credit bruised or in recovery
✔️ CRA debt or arrears
✔️ First & Second mortgages
✔️ Second Properties
✔️ Missed payments or power of sale
✔️ High debt ratios
✔️ Property issues or title complications
✔️ Multi-property investors or over-leveraged files
We don’t fear complexity, we solve it.
Client Example
“My bank told me I didn’t qualify. The SM Mortgage Team placed me with a B lender, consolidated $85K of debt, and built a 2-year plan to get back to A. Now I’m stable, and breathing again.”
FAQ’s
Is private lending safe?
Yes! When used properly. We explain the structure, terms, costs, and exit plan so you’re not stuck. It’s a bridge, not a trap.
Will I go back to a regular lender later?
That’s our goal. We don’t just place you, we help rebuild your file for A-lender readiness if that’s the direction you want.
Do I need a lot of equity?
Not always. We look at the full picture and guide you on options you may not know exist.
Discovery Call:
- 15-minute review call
- Document gathering + lender mapping
- Clear strategy with timelines & expectations
- Application submitted
- Approval, funding & rebuild plan delivered
📍 [Book Your Review Call]
📤 [Apply for a B/Private Approval]
Looking to buy a home, even with B credit or self-employment? We have access to handle A, B, C lender purchases with full support as well.
[→ Learn More About Purchases]
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