Ontario Mortgage Decision Centre
Choose the concern closest to yours. The useful answer may depend on the documents, property, timing and lender policy—not simply whether one lender said yes or no.
Find the answer from your problem
Separate the real lender concern from assumptions.
Income · credit · debt ratios · property · down paymentShow me where to start →02Show how the business earns before choosing a lender route.
A lending · bank statements · financials · T1 approachShow me where to start →03Understand the bureau, timing and cause—not only the score.
Equifax · TransUnion · utilization · collections · recoveryShow me where to start →04Compare the complete decision before signing early.
Rate · payment · penalty · switching cost · flexibilityShow me where to start →05Match the purpose, cost and exit plan to the right structure.
Debt consolidation · renovations · investment · CRA debtShow me where to start →06Test the rental calculation and portfolio effect by lender route.
Subject rent · existing rentals · cash flow · reservesShow me where to start →07Work backward from the deadline and available equity.
Appraisal · funds to close · job change · urgent alternativesShow me where to start →How the answer is built
Buying, selling or investing?
Property type, legal use, insurance, appraisal, taxes, condo information and closing dates can change the mortgage answer. Connect both sides before the transaction becomes difficult to reverse.
Need a focused review?
Tell Rajiv what you are trying to accomplish and what the lender has already said. He can help identify the questions and responsible options worth exploring next.
Published mortgage guidance
Use the guided situations above or search every published answer, concept and strategy.
Answer
An interest reserve may help temporary cash flow, but it reduces net proceeds and must be tested against the exit plan.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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Another property may provide shortfall funds through separate equity financing or cross-collateralized lending, with different risks.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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Private financing should be paused when affordability, net proceeds, equity or the exit plan cannot support the risk.
Reviewed by Rajiv Verma, Mortgage Broker · Sep 8, 2026
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Calculate private-mortgage net proceeds by subtracting fees, legal costs, payouts, reserves and other required deductions.
Reviewed by Rajiv Verma · Sep 8, 2026
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An alternative-lender decline may still leave another alternative, MIC or private route. Diagnose the exact problem, compare net funds and costs, and build the return to B or A lending before committing.
Reviewed by RAJIV VERMA Mortgage Broker · Sep 8, 2026
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Yes, rental income may help you qualify, but the amount a lender recognizes needs to be checked before you build your purchase budget around it. If the home […]
Reviewed by Rajiv Verma, Mortgage Broker · Aug 30, 2026
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A mortgage decline needs a clear diagnosis before you apply again. Learn the questions to ask, what may have changed and when a second opinion may help.
Reviewed by Rajiv Verma, Mortgage barker · Sep 8, 2026
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A healthy self-employed business can still fail a lender’s income calculation. See how A and alternative lenders may assess the documents differently and what to ask before you apply again.
Reviewed by Rajiv Verma, Mortgage barker · Sep 8, 2026
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A low appraisal can create a closing cash gap, especially for builder closings and condos. Learn what to verify, how current market data fits and which practical options deserve review.
Reviewed by Rajiv Verma, Mortgage barker · Sep 8, 2026
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A low appraisal can reduce the mortgage and create a larger cash requirement at closing. Calculate the real shortfall, then compare appraisal, A-lender, alternative, outside-equity and limited private options.
Reviewed by Rajiv Verma, Mortgage barker · Sep 8, 2026
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