Bank Said No?
Your Home Equity May Still Qualify You.
Short-term private mortgage solutions for Ontario homeowners with equity.
Rates from
Decisions
Approvals
*Rates from 5.5% OAC. Rate depends on LTV, property type & credit profile. Terms 6-24 months. FSRA #13449.
See If Your Home Equity Qualifies
Free assessment. No obligation.
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Banks say no for reasons that have nothing to do with your equity.
Banks approve mortgages using strict formulas. If your situation falls outside those rules, you may be declined even if you own a valuable home with significant equity.
Self-Employment Income
You earn well. But after write-offs, the bank sees a fraction of your real income — and says no.
Credit Challenges
Missed payments, collections, consumer proposals, or past financial setbacks can affect your approval with traditional lenders.
Mortgage Renewal Declines
Many homeowners are being declined at renewal because lending rules have tightened and affordability calculations have changed.
High Debt Levels
Credit cards, personal loans, CRA balances, and other debts can push your ratios beyond what banks allow.
Lender Equity Caps
Most private lenders cap at 65–70% of your home's value. We work with lenders who go higher — meaning more funds available to solve your situation.
Your equity is still working for you. We just help you use it.
Find out how much equity your home holds
Even if the bank said no. Private lenders look at your property — not just your credit score.
Equity & LTV
How much equity does your home hold?
Use a conservative estimate, not your listing price
Include all registered mortgages on the property
HB Mortgage Centre · FSRA #13449 · Licensed in Ontario · Estimates only. Not a commitment or approval.
Find out how much equity your home holds
Even if the bank said no. Private lenders look at your property — not just your credit score.
Equity & LTV
How much equity does your home hold?
Use a conservative estimate, not your listing price
Include all registered mortgages on the property
HB Mortgage Centre · FSRA #13449 · Licensed in Ontario · Estimates only. Not a commitment or approval.
Your equity doesn't care what the bank decided.
Banks grade you on income and credit. Private lenders look at what you've actually built — the equity in your home. That changes everything.
Each situation is reviewed individually by a licensed mortgage professional.
You may still qualify if:
You own property in Ontario
Your home has available equity
You need a bridge — not a permanent fix
The bank said no — but your home equity didn't
From inquiry to funded — here's exactly what happens.
No surprises. No pressure. Just clarity on your options.
Tell Us About Your Property
Complete the short form so we can understand your home value, mortgage balance, and situation.
We Review Your Options
A licensed mortgage professional reviews your file and identifies possible private mortgage options based on your equity position.
Review the full cost before you decide
Short-term bridge financing — 6 to 24 months — designed to get you back to your bank on better terms. If suitable options exist, we walk through every number with you before anything moves forward.
*Rates from 5.5% OAC. Final rate depends on LTV, property type, and credit profile. Lender fees, brokerage fees, legal costs, and appraisal requirements disclosed in full before you proceed. FSRA #13449.
Clear Costs. No Surprises.
Private mortgages are short-term financing solutions designed to solve temporary lending challenges when traditional lenders cannot approve a mortgage.
Our role is to make sure you understand the structure before making any decision, not pressure you into one.
Before any financing proceeds, we clearly explain:
- Interest rate
- Lender fees
- Brokerage fees
- Legal costs
- Appraisal requirements
- Total estimated cost
Ontario homeowners who found a way through
Every situation is different. Here's what getting funded actually looked like for some of our clients.
"Three banks declined me because my write-offs made my income look low on paper. HB looked at my equity instead. Approved in 4 days."
Manpreet K. · Business owner · Mississauga
Metric Card
$480,000
Private 1st mortgage · Mississauga detached
*Rates shown are illustrative of actual funded deals. Final rate depends on LTV, property, and credit profile. OAC. FSRA #13449. Results not guaranteed — each situation is assessed individually.
Principal Broker · FSRA #13449
Hardeep Batoo
Licence: M13002408
You'll speak with a licensed broker — not a call centre.
I've helped over 500 Ontario families navigate complex financing situations — and I've also told many clients that a private mortgage wasn't the right fit for them.
This isn't about selling you a product. It's about showing you the actual numbers for your situation.
If a private mortgage doesn't make sense for you, we'll tell you that too.
Call Me Directly
(289) 236-3102Your information is never shared or sold
Encrypted. PIPEDA compliant. Confidential.
15-minute call — no paperwork required
Just a conversation to understand your situation.
FSRA #13449 · Licensed Ontario brokerage
Regulated under MBLAA. Hardeep Batoo, Principal Broker.
The Questions Everyone Asks
Find Out If Your Home Equity Qualifies
Free assessment from HB Mortgage Centre — FSRA #13449, licensed Ontario mortgage brokerage.