Every borrower is different. Which one sounds like you?

Choose your guide

Find your situation

Employment & income

How you earn your income

For business owners & contractors

I'm self-employed or own a business

Get approved when your tax return shows less than you really earn. Read the guide For T4 employees

I'm paid a regular salary

See how lenders size your mortgage on a T4 income. Read the guide For realtors, sales & seasonal workers

I earn commission, tips or bonuses

Variable income can count. Here is how lenders average it. Read the guide For newcomers & Canadians abroad

I'm new to Canada

Mortgage options for newcomers, work permits and non-residents. Read the guide For employed business owners

I have a job and own a business

See how lenders combine employment income and business earnings when qualifying you for a mortgage. Read the guide For homeowners whose income does not show on paper

My income is hard to prove

Limited or stated income? See when equity-based lenders may look past the paperwork. Read the guide For retired homeowners and those close to retirement

I'm retired and own my home

Pension, RRIF and investment income, plus reverse mortgage, HELOC and downsizing compared. Read the guide

Property & mortgage needs

What you want your mortgage or home equity to do

For current homeowners

My mortgage is coming up for renewal

Compare your options and look for a better rate before you sign. Read the guide For homeowners who need cash

I need money from my home's equity

Access money for renovations, vacations, education, investments or other expenses. Read the guide For homeowners who want flexible credit

I want a home equity line of credit

HELOC is a flexible credit line secured by your home. Borrow what you need, when you need it. Read the guide For homeowners who want cash and one payment

I want to refinance and take out cash

Replace your existing mortgage and access some of the equity in your home. Read the guide For homeowners with high-interest debt

I want to consolidate my debts

Combine credit cards, loans and other debts to simplify payments and potentially reduce interest. Read the guide For homeowners ready to renovate

I want to renovate or upgrade my home

Use your equity to repair, renovate or add value to your property. Read the guide For homeowners with an opportunity

I want to invest or fund a business

Use home equity for another property, an investment or business needs. Read the guide For families funding education

I need to pay for tuition or education

Fund college, university or your children’s education with your equity. Read the guide For investors with 2+ properties

I own more than one property

Financing rentals and a growing property portfolio. Read the guide For homeowners age 55 and over

I'm 55 or older and want to use my home's equity

A reverse mortgage: tax-free cash with no monthly mortgage payments. Read the guide For homeowners who want to keep their first mortgage

I want cash without touching my first mortgage

Borrow against your equity with a second mortgage and keep your current rate. Read the guide For homeowners buying before they sell

I am buying before I sell

Bridge financing to close on your next home before your current one is sold. Read the guide For homeowners who want to use the equity they have built

I want to borrow against my home equity

HELOC, home equity loan, second mortgage or refinance: compare them side by side. Read the guide For small-business owners buying or refinancing property

I own a business and want to buy or refinance commercial property

Commercial and mixed-use financing for small-business owners in Ontario. Read the guide For borrowers who need lower payments for a set period

I want lower payments for now with interest-only

When interest-only payments are used, what they risk and how to plan the exit. Read the guide For homeowners adding a rental unit or family suite

I want to add a basement apartment or secondary suite

Financing a legal second unit, garden suite or laneway suite, and how rent may help. Read the guide

Financial challenges & special situations

When things are tight or the usual route is closed

For homeowners under financial pressure

I'm struggling with debt payments.

Behind on mortgage payments, declined by banks on renewal? You have options. Read the guide For condo investors in trouble

I'm a condo investor in arrears

Behind on a condo mortgage, lien or notice of sale? Ways to stabilise. Read the guide For borrowers turned down by a bank

My credit needs work

Private and alternative lending while you rebuild your credit. Read the guide For borrowers the banks cannot help right now

A bank said no and I need a private lender

How private mortgages work, what they cost and how to get out of one. Read the guide For people keeping the home after a separation

I am separating and want to keep the home

Buying out a spouse or partner, refinancing to change the title, and who to speak to first. Read the guide For homeowners behind on their mortgage

I received a power of sale notice

What the notice means, what options may exist and why acting early matters. Read the guide

General information, not mortgage, legal or tax advice. Lender rules change and every application is reviewed on its own facts. Your application and documents are stored privately and go only to a licensed mortgage professional at Top Mortgages Inc; they are never sold, and no credit check is run without your separate written consent.