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I'm self-employed or own a businessGet approved when your tax return shows less than you really earn. I'm paid a regular salarySee how lenders size your mortgage on a T4 income. I earn commission, tips or bonusesVariable income can count. Here is how lenders average it. I'm new to CanadaMortgage options for newcomers, work permits and non-residents. I have a job and own a businessSee how lenders combine employment income and business earnings when qualifying you for a mortgage. My income is hard to proveLimited or stated income? See when equity-based lenders may look past the paperwork. I'm retired and own my homePension, RRIF and investment income, plus reverse mortgage, HELOC and downsizing compared.

My mortgage is coming up for renewalCompare your options and look for a better rate before you sign. I need money from my home's equityAccess money for renovations, vacations, education, investments or other expenses. I want a home equity line of creditHELOC is a flexible credit line secured by your home. Borrow what you need, when you need it. I want to refinance and take out cashReplace your existing mortgage and access some of the equity in your home. I want to consolidate my debtsCombine credit cards, loans and other debts to simplify payments and potentially reduce interest. I want to renovate or upgrade my homeUse your equity to repair, renovate or add value to your property. I want to invest or fund a businessUse home equity for another property, an investment or business needs. I need to pay for tuition or educationFund college, university or your children’s education with your equity. I own more than one propertyFinancing rentals and a growing property portfolio. I'm 55 or older and want to use my home's equityA reverse mortgage: tax-free cash with no monthly mortgage payments. I want cash without touching my first mortgageBorrow against your equity with a second mortgage and keep your current rate. I am buying before I sellBridge financing to close on your next home before your current one is sold. I want to borrow against my home equityHELOC, home equity loan, second mortgage or refinance: compare them side by side. I own a business and want to buy or refinance commercial propertyCommercial and mixed-use financing for small-business owners in Ontario. I want lower payments for now with interest-onlyWhen interest-only payments are used, what they risk and how to plan the exit. I want to add a basement apartment or secondary suiteFinancing a legal second unit, garden suite or laneway suite, and how rent may help.

I'm struggling with debt payments.Behind on mortgage payments, declined by banks on renewal? You have options. I'm a condo investor in arrearsBehind on a condo mortgage, lien or notice of sale? Ways to stabilise. My credit needs workPrivate and alternative lending while you rebuild your credit. A bank said no and I need a private lenderHow private mortgages work, what they cost and how to get out of one. I am separating and want to keep the homeBuying out a spouse or partner, refinancing to change the title, and who to speak to first. I received a power of sale noticeWhat the notice means, what options may exist and why acting early matters.