Loan option
B-Lender Mortgage in the GTA
B-lenders sit between chartered banks and private lenders. Their guidelines are more flexible on income documentation, credit bruising, and property type than an A-lender — often at a rate meaningfully lower than a private mortgage.
When homeowners use a b-lender mortgage
- Self-employed borrowers with non-traditional income documentation
- Newcomers without an established Canadian credit history
- Borrowers with a thin file or recent credit event
- Properties that don't fit standard A-lender guidelines
How equity-based qualification works
B-lenders typically require provable income and reasonable credit, but they're far more flexible than the big banks.
As a general Ontario rule, lending partners want the combined balance of every mortgage that will sit against the property — first, second, and so on — to land at roughly 75%–80% of the appraised value. We are a referral service, not a lender; final pricing and approval are determined by the licensed lending partner.
B-Lender Mortgage by city in the GTA
Browse b-lender mortgage options in your area. Each page reflects local housing context, but the underlying program is the same equity-based approach.
Other GTA & Ontario cities
Lending Options Across the GTA
Explore equity-based lending options by type and by city. We connect homeowners across the Greater Toronto Area with our network of licensed lending partners.