Archives July 2025

Alternative Mortgage Lending in Canada: What You Should Know in 2025

If you’ve been turned down by a bank, you’re not alone. More Canadians are now exploring alternative lending options—a space that’s growing fast and offering real solutions when traditional doors close.

🔍 What Is Alternative Lending?

Alternative lenders are private individuals or companies who offer financing outside of Canada’s big banks and credit unions. They may not follow the same rigid rules, which makes them accessible to people with:

• Low or no credit scores
• Non-traditional income (e.g. self-employed)
• Recent immigration status
• High debt-to-income ratios

These loans are often more flexible—but can carry higher interest rates. That’s why working with a trusted mortgage broker is key.

🛠️ Who Should Consider It?

Alternative lending could be the right path if you:

• Can’t meet bank qualifications but have stable income or equity
• Are self-employed and can’t show two years of CRA history
• Need fast access to funds for renovation, investment or debt consolidation
• Are new to Canada and need a custom solution

🧭 How We Support You

At Sam Ansari – Centum Financial Services, we specialize in alternative mortgage solutions that match your financial reality. We help you:

• Find reputable private lenders
• Get approved quickly with flexible documentation
• Avoid predatory lending and hidden fees

💬 Let’s Talk Solutions

If you feel stuck or unsure, don’t worry—we’ve helped countless Canadians unlock mortgage approval through safe, legal, and personalized lending plans.

Call Sam Ansari, Mortgage Broker, Richmond Hill Ontario @ (416) 356-6310 or visit samansari.com to book a consultation. Let’s build the financial future you deserve.

Newcomers & Mortgages in Canada: Your Guide to Homeownership in 2025

Starting fresh in a new country comes with big dreams—and buying a home is often one of them. But navigating Canada’s mortgage system as a newcomer can feel daunting. The good news? You’re not alone—and you can qualify for a mortgage, even without Canadian citizenship yet.

💡 Key Insights for New Immigrants

• You don’t need to be a citizen: As long as you’re a permanent or temporary resident, you may qualify.
• Build your profile: A larger down payment and solid credit score (local or international) can significantly boost your chances.
• Documentation matters: Be ready to show immigration status, employment history, and banking records.

🧩 Mortgage Products That Work for You

At Sam Ansari – Centum Financial Services, we help newcomers find mortgage options suited to their needs:

• New-to-Canada mortgages with flexible documentation
• Private lending when traditional banks won’t approve
• Reverse mortgages if you’re settling here later in life
• Second mortgages to access equity or consolidate debt
• Construction loans if you’re building your dream home

🙌 Why Clients Trust Us

With over 20 years of experience, Sam Ansari offers:

• Expert advice tailored to immigrant families
• Fast service, competitive rates, and personal guidance
• A legal, licensed relationship through Centum Financial Services L.P.

📲 Let’s Get You Home

Book a consultation at samansari.com or call (416) 356-6310—we’ll walk you through every step, in language that makes sense to you.