We find lending solutions when others say no. With access to over 200 lenders across Canada, we uncover creative paths to mortgage approvals tailored to you.

Absolutely. We work with private and alternative lenders who focus on your entire profile—not just your credit score. At Lend U, we help clients understand what's affecting their credit and offer simple, effective steps to rebuild it. In some cases, we can even help secure a mortgage while you're improving your credit.

The mortgage process typically takes anywhere from 5 to 25 business days, depending on how quickly documents are submitted and the complexity of your application. We do offer 48 hour closings for clients who come prepared with all relevant and required information. Pre-approvals can often be completed within 24–48 hours, while full approvals—especially for purchases with conditions—may take longer due to appraisals, income verification, and legal reviews.

Yes. We can provide refinancing options without a full application or credit pull to start. Fast, easy, and no pressure.

We serve clients all across Ontario and work with partner brokers and lenders nationwide. Our services are 100% virtual and accessible.

We offer residential, commercial, HELOCs, debt consolidation, renewals, and more. If it's mortgage-related, we've got it covered.

Click "Make it Happen" to begin. You can also speak with a mortgage broker directly—we'll walk you through everything step-by-step.

Yes, we provide customized lending for commercial properties—retail, office, multi-family, industrial, and more.

We specialize in finding approvals when others say no. Every lender is different—and we know who to talk to.

As of December 15, 2024, the Canadian government updated mortgage rules to allow insured mortgages on homes priced up to $1.5 million. For these properties, the minimum down payment is 5% on the first $500,000 and 10% on the portion between $500,000 and $1.5 million. Homes over $1.5 million still require a minimum 20% down payment and are not eligible for mortgage insurance.

Yes we are! You can verify a mortgage broker or brokerages license by searching their name or brokerage on the FSRA (Financial Services Regulatory Authority of Ontario) website at www.fsrao.ca. All licensed brokers must be listed and in good standing.

Private mortgages are funded by individual investors or small groups and offer flexible terms—great for unique or urgent needs.

In SOME cases, our services are free to you as we're paid directly by the lender once your mortgage is finalized. However, certain situations—such as private lending, commercial mortgages, or complex applications—will involve a brokerage fee. If any fees apply, we'll always be upfront and transparent before moving forward, so there are no surprises.