More Flexible, Alternative, and Private Mortgages

Our Knowledge is Your Advantage


Get Approved.

We work with a wide range of flexible "common sense"  mortgage lenders, who think differently than big banks. 

We can often get approval, even if you have been declined elsewhere. 

Aggressive Terms and Exclusive Rates OAC. 

Referrals are our top source of business. 

Get trusted service and advice. 




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Our team has lots of ideas and solutions in our toolkit for a wide range of situations or unique circumstances. Good credit, bruised credit, or in between. 

Estates, CRA debt, collections, bankruptcy, etc. Are all workable. We can help with primary, 2nd, and 3rd Mortgages, or home equity products. 

If you need a mortgage problem solved, our team is your answer.  Give us a call, or leave a message below.

We look forward to working with you. 


Shawn Hawkins

Mortgage Broker

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What clients are saying:
"Very efficient. Shawn suggested ways to do things that I'd never have thought of. He kept me up to date and explained how the process and timeline would work. I would recommend Shawn to anyone." 
- Richard J
"Great service, great result, will use his service again." 
-Bruno F
"I wanted to commend you for your recent very helpful advice and close calculations on us finding a suitable method of using the equity in our home with CHIP and the equity loan to free up some much needed cash to tide us over the next few years. We are very pleased with your results."
-Sean and Carmen D 

What is a Private Mortgage? Private or alternative mortgage lending is a win/win for the borrower and lender - The lenders risk is capped by the security of the property, so they can offer reasonable rates, even in less than perfect situations. Rates on flexible mortgages are typically between 5.99-8.99%. 2Nd mortgages start around 7.99% and are typically 9-14%. The higher the risk, the higher the rate. There can be one-time lending fees associated with alternative mortgages of anywhere from 1% - 6%, typically 2-5%.

Alternative mortgage lending doesn't usually require the paperwork of a typical mortgage. Often, just home equity alone is enough for approval, sometimes a degree of backup is required but flexibility is still the name of the game. Mortgage loans a bank would not consider are easy and smooth in the private space. Consumer proposals, collections, judgements, and bankruptcy can all be worked with.

Private mortgages can make sense for anyone, regardless of your credit. Perhaps you have great credit and income and need to do some work to your house. You would like to access your equity. Perhaps you have a great rate on your primary mortgage with a big bank and don't want to refinance. A private loan may be the perfect solution. You can borrow the funds now and just blend it into your mortgage at the next renewal.

On the other hand, perhaps you are 2-3 months behind on your mortgage because of some surprise expenses or medical bills. A private lender will look past the missed payments because they have the security of your property.


What's Next?

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Mortgage Calculators

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Happy Clients

  • Very efficient. Shawn suggested ways to do things that I'd never have thought of. He kept me up to date and explained how the process and timeline would work. I would recommend Shawn to anyone.
    Richard J - Client
  • I appreciate your fast responses and perfect work
    Jack H - Client
  • Shawn is very easy to work with and very knowledgeable. I don't hesitate to refer my clients to him for their financing needs.
    Rhonda Murray - Real Estate Lawyer
  • Thanks Shawn for the excellent service you provided on the refinancing of my home. Great communication and fast turnaround. A pleasure doing business with you.
    John L - Client
  • I've known and worked with Shawn close to 20 years. Fantastic service and and he always has good solutions for his clients. Thanks Shawn!
    Mark T - Client
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