Loan option
First Mortgage in the GTA
A first mortgage is the primary loan registered against your property. Alternative and private lending partners can provide first mortgages when banks decline due to credit, income documentation, property type, or speed.
When homeowners use a first mortgage
- Refinancing a maturing mortgage your bank won't renew
- Funding a purchase the bank declined on income or credit grounds
- Replacing a first mortgage in default to stop power of sale
- Rural, non-standard, or rental properties banks won't finance
How equity-based qualification works
First-position lending partners look at property type, location, equity, and exit strategy.
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.
First Mortgage by city in the GTA
Browse first 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.