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.
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.