Larger mortgages.
A clearer financing strategy.
BANK • PRIVATE • COMMERCIAL MORTGAGES
Bank and private mortgage solutions for higher-value homes, substantial refinances, apartment buildings and complex borrowing needs across Toronto and the GTA.
Whether you are exploring jumbo mortgage loans, unlocking property equity or financing your next acquisition, we start with the borrower, the property and a workable repayment plan.
APARTMENT PURCHASES • REFINANCING • RENTAL CONSTRUCTION
Apartment Buildings & CMHC MLI Select
Higher leverage. Longer amortization.
Assess the financing structure for your apartment purchase, refinance or rental construction project now. CMHC MLI Select may support higher leverage and longer amortization for eligible projects, with available terms determined by the property, program commitments and underwriting.
at 70 points or more
Loan-to-cost, subject to requirements
These are program maximums, not an approval or a quote. Required affordability, energy-efficiency or accessibility commitments, debt-service coverage and other eligibility conditions apply. Higher borrowing increases debt exposure; longer amortization slows principal repayment and can increase total interest costs.
We review the rent roll, operating income, expenses, existing debt, property value, ownership and project plan before assessing the financing route.
Discuss Your Apartment Building →Official CMHC program detailsMORTGAGE SOLUTIONS
Built around the whole picture.
The right mortgage starts with more than a rate. We assess the property, borrower, cash flow, costs and repayment plan to identify a suitable financing route.
Bank & Jumbo Mortgage Loans
Financing strategies for higher-value homes and larger mortgage requests. We review documented income, assets, existing obligations, property value and the proposed loan structure to assess suitable bank or alternative options.
Private First & Second Mortgages
Property-backed financing where a private mortgage may fit the need, timing and equity. We match borrowers with investors and proceed only where there is a credible exit strategy. MortgageMatchmaker is not a mortgage investment corporation.
Refinancing & Equity Financing
Review a refinance, mortgage renewal, secured line of credit or equity take-out in the context of your existing terms, total costs, cash flow and plans for the property.
Self-Employed Borrowers
Mortgage preparation for business owners and borrowers whose income needs a fuller explanation. We organize the evidence and address the questions that matter to underwriting.
Doctors & Medical Professionals
Mortgage planning for home purchases, investment properties and practice premises. Financing is assessed against the individual borrower, property and supporting information.
Commercial & Construction
Mortgages for income-producing properties, commercial purchases, construction and repositioning. We assess the project budget, security, cash flow, timing and repayment strategy.
HOW WE WORK
A clear process from the first conversation.
Understand
Discuss the property, purpose, requested amount, timing and existing financing.
Assess
Review income, credit, equity, cash flow, security and the repayment or exit plan.
Structure
Compare suitable financing routes and explain costs, conditions and tradeoffs.
Coordinate
Prepare the file and manage underwriting questions and closing conditions with the professionals involved.
A credible exit strategy comes first. For private mortgages, we proceed only when there is a credible plan to repay. The borrower and lender have separate lawyers, and the borrower pays both their own legal fees and the lender’s separate legal fees. Financing is subject to assessment and approval.
Start with your property and your goals.
Homeowner, property investor or mortgage broker: tell us what you are working on and the timing you need.
Start with a non-sensitive summary. We will confirm the appropriate secure route for financial documents.
Considering investing your own capital? Explore private lending ↓
Business financing & capital advisory. For acquisitions, growth capital and complex business financing, visit Monty Capital →
Who else partners with us?
A financing partner for files that need deeper work.
A larger mortgage, unusual income picture or time-sensitive property transaction can require more than a standard submission. MortgageMatchmaker works with mortgage agents and brokers to assess bank, alternative and private mortgage routes and identify what the file needs to move forward.
Where we can help
- Larger bank and jumbo mortgage loans: higher-value homes, substantial refinances and borrowers with multiple properties or complex financial circumstances.
- Private first and second mortgages: property-backed financing where equity, payment capacity, total costs and a credible exit strategy support the request.
- Self-employed and professional borrowers: business income, multiple income sources and supporting documents that need a clear explanation.
- Commercial, apartment and construction files: property cash flow, project budgets, existing debt and potential CMHC-insured financing routes, where applicable.
Bring the scenario, including the difficult parts
Start with the property type and location, estimated value and its basis, requested amount, use of funds, existing mortgage balances, borrower income and credit overview, and required closing date. Include known arrears, prior lender feedback, unusual ownership or property issues, and the proposed repayment plan. An honest picture helps identify the real decision points early.
A defined working relationship
At the outset, we agree on each party’s role, who will communicate with the client, and how updates will be shared with the client’s consent. We review the information, identify missing evidence, assess potential lender fit and explain the next steps. Where a file proceeds, we coordinate underwriting questions and financing conditions with the professionals involved.
For private mortgages, a credible exit is essential. We assess the evidence and timing behind a sale, refinance or other repayment source before proceeding.
Brokers: Discuss a Mortgage Scenario →Start with a non-sensitive summary; we will confirm the secure route for client documents. Availability, terms and approval depend on the borrower, property and lender review.
Property financing that fits the wider wealth plan.
A client’s mortgage should be considered alongside their cash flow, liquidity needs, property holdings and future plans. MortgageMatchmaker works with wealth managers to assess the property-financing side of that picture, with the client’s consent and a clear division of responsibilities.
When a joint conversation helps
- A higher-value home purchase: assess bank and jumbo mortgage options, the source of the down payment, existing commitments and the intended ownership structure.
- A refinance or upcoming maturity: review the current mortgage, potential penalties, borrowing costs, repayment flexibility and the effect on monthly cash flow.
- A rental or apartment acquisition: examine rental income, expenses, existing leverage and the property’s financing needs, including potential CMHC-insured routes for eligible buildings.
- A changing income picture: consider the evidence available for self-employment, professional practice income, retirement income or multiple income sources.
- A temporary funding need: assess whether a short-term mortgage has a supportable purpose, manageable costs and a credible repayment source.
Make the borrowing decision with the full costs visible
We review the requested amount, property equity, payment capacity, term, amortization, fees, prepayment provisions and repayment plan. Where borrowing is being considered alongside using available cash, we provide the mortgage terms and costs for you and your client to weigh within the broader plan. Property security does not make borrowing risk-free.
Coordinate around the client
We agree on the scope of the introduction and how information and updates will be shared. Investment recommendations remain with the client’s investment adviser; tax and ownership questions can be addressed with the client’s accountant and lawyer. Our role is to assess mortgage options and coordinate the financing process.
Discuss a Client’s Property Financing →Start with the objective, property, approximate financing need and timing. We will confirm consent and the secure route for supporting documents. All financing is subject to assessment and approval.
Private mortgage financing, carefully matched
MortgageMatchmaker is not a mortgage investment corporation (MIC). We match borrowers with private mortgage investors for financing secured against a particular property. We review the borrower, property and proposed transaction, including how the mortgage will be repaid. A credible exit strategy is required. We proceed with arranging financing only when there is a credible plan to repay the mortgage. We assess the supporting evidence, realistic timing and alternatives if the primary plan is delayed. An exit strategy is an assessed repayment plan, not a guarantee.Considering lending your own capital?
Aiming for $5,000 per month?
At an illustrative 9.95% annual cash rate, $500,000 would generate $49,750 a year, or approximately $4,145.83 per month, before fees and personal taxes. A $5,000 monthly income goal would require approximately $603,015 invested at that same rate. These calculations assume the full principal remains invested, interest is paid monthly and every payment is made. The 9.95% rate is an illustration, not a currently quoted investment offer, forecast or guaranteed return. Actual terms, fees, payment schedules and suitability must be assessed for the specific investment. Capital is at risk.What we review
Our review covers the following areas, with documents and checks appropriate to the borrower, property and transaction:- Borrower: identity, ownership structure, credit history, income, employment or business finances, assets, liabilities and payment capacity.
- Financing request: purpose, amount, term, use of funds, payment structure and total borrowing costs.
- Property: location, type, condition, marketability, appraisal, estimated value and available equity.
- Existing obligations: mortgages, secured debts, property taxes, arrears, liens and other registered claims.
- Security: mortgage priority, loan-to-value ratio, guarantees, insurance and title findings reviewed with legal counsel.
- Rental or commercial properties: leases, occupancy, rental income, operating expenses and cash flow, where applicable.
- Exit strategy: sale, refinance or another documented repayment source; supporting evidence, realistic timing and alternatives if the primary plan is delayed.
- Investor fit: objectives, experience, financial circumstances, liquidity needs, ability to absorb a loss, proposed terms, security, material risks and suitability.
- Closing: outstanding conditions, separate legal representation and required documentation.
Financing clarity before the next property decision.
A strong transaction needs a financing plan that matches the buyer, the property and the closing timeline. MortgageMatchmaker works with realtors on higher-value homes, investment properties and complex purchases, helping identify the financing questions that need attention early.
Situations worth discussing before deadlines approach
- Higher-value purchases and jumbo mortgage loans: review the requested mortgage, down payment, income evidence and existing property commitments.
- Self-employed buyers and medical professionals: identify the documents needed to explain income, business interests and payment capacity.
- Buying and selling on different dates: assess the timing, existing equity and whether a bridge or other short-term financing route may fit.
- Rental, apartment and commercial properties: review rents, expenses, leases and the property’s financing profile, including potential CMHC-insured apartment financing where eligible.
- Properties or files with complications: discuss renovation needs, unusual property characteristics, appraisal concerns, tight timelines or a change in the buyer’s circumstances.
What we review together
Start with the property or listing, purchase price, deposit and down-payment plan, requested financing, offer-condition dates and closing date. Where a sale is involved, include its status, expected proceeds and timing. We then assess the borrower’s supporting information, property details and lender requirements, and explain any outstanding financing conditions.
Keep the client and transaction team aligned
With the client’s consent, we agree on the introduction and communication process, identify the next documents and decisions, and coordinate financing updates as the file progresses. We work with the borrower and their lawyer on the financing requirements for closing. A preliminary discussion is an assessment of options, not a funding commitment.
Private financing needs a credible exit. If a short-term private mortgage is considered, the repayment plan and total costs must be assessed from the start.
Realtors: Discuss a Buyer or Property →Begin with a non-sensitive scenario and the key dates. We will confirm the secure route for client documents. Financing remains subject to lender review, approval and satisfaction of conditions.