Financing Beyond the Bank.
Altafina Capital arranges residential, commercial, construction, land, and private mortgage solutions. When banks say no, we explore what can still be done.
Why Work With Altafina?
We work for you—not one lender. That difference creates more ways forward.
We Work For You
Unlike banks, we represent your interests—not theirs.
More Choice
Access banks, trust companies, alternative lenders, and private lenders.
Better Solutions
Customized financing strategies built around your real goals.
Hard-to-Place Expertise
We look beyond standard bank formulas to find practical options.
No Cost To Most Clients
Our compensation is generally paid by the lender.
Trusted Expertise
Experienced mortgage professionals guiding every step.
Financing for every stage of life
Residential
First, second, and third mortgage options for homeowners and buyers.
First-Time Home Buyer Financing
Guidance on down payments, new builds, and first-home programs.
New to Canada
Mortgage programs for newcomers building their financial life in Canada.
Self-Employed & Stated-Income
Financing for business owners, contractors, and entrepreneurs.
Credit Challenges & Private Lending
Practical options for bruised credit, bankruptcy, proposals, and hard-to-place files.
Refinancing, Equity Take-Out & HELOC
Access property equity, add a line of credit, or restructure your mortgage.
Mortgage & Debt Consolidation
Combine mortgages and credit-card balances into one lower monthly payment.
Bridge & Construction Financing
Short-term bridge loans and construction funding for residential projects.
Rental & Investment Property Financing
Financing for houses, townhomes, condos, apartments, and portfolios.
Commercial
Financing for retail, office, industrial, mixed-use, and specialty properties.
Land, Rural & Agricultural Financing
Mortgages for acreages, farms, building lots, raw land, and land purchases.
Multi-Residential & Development Financing
Capital for apartment buildings, condo inventory, and multi-family construction.
Commercial Construction & Specialty Financing
Financing for construction, restaurants, nightclubs, and places of worship.
Your Mortgage Journey Made Easy
Five clear steps from first call to closing day.
- 1
Book a Consultation
Free, no-pressure conversation about your goals and timeline.
- 2
Review Your Goals
We map out the mortgage strategy that fits your life—not the lender's quota.
- 3
Compare Multiple Lenders
One application, multiple lenders. You see real options side by side.
- 4
Secure Approval
We handle the paperwork, negotiate the terms, and keep you informed every step.
- 5
Close With Confidence
Clear instructions for closing day so there are no surprises.
Make smarter mortgage decisions
Fixed vs Variable Mortgages: Which One Fits Your Life?
A plain-English guide to the trade-offs between fixed and variable rates—so you can choose with confidence.
How to Improve Your Credit Score Before You Apply
Five practical steps that can move your score up by 30–80 points in a few months.
5 Real Benefits of Refinancing Your Mortgage
When does refinancing actually save money? Here's how we run the math.
What our clients say
"Clear advice, a complete comparison of available options, and a financing structure designed around the client's real goals."
Access a Broad Network of Mortgage Lenders
One application. Multiple options.
Let's Find The Right Mortgage Solution.
We make your dreams come true with a financing plan built for your situation.
Frequently asked mortgage questions
Quick answers to what Canadians ask us most about brokers, rates, approvals, and the mortgage process.