B-lender and private solutions for credit, income, or property challenges — with an honest plan to get you back to an A lender.
B-lender and private mortgages exist for real situations — bruised credit, complex or new self-employed income, or an unusual property a bank won’t touch. They’re typically short-term tools with higher rates and fees, used to get you financed today while we build a plan to move you back to a lower-cost A lender. I’ll be straight with you about the cost and the exit strategy — and I’ll only recommend this route if it genuinely serves you.
Access funds behind your existing mortgage when refinancing fully isn’t the right move.
Recent issues don’t have to end your plans — solutions exist while you rebuild.
Self-employed, commission, or just-started income that an A lender won’t yet recognize.
A clear roadmap to refinance into a lower-cost A lender when you qualify.
A no-pressure 15 minutes. I learn your goals, timeline, and numbers.
One application, the whole market — banks, monolines, and B lenders.
I present the best options and manage the paperwork to close.
“I have dealt with many brokers before and I confirm Isha is the best and most organized and trustworthy one”
“Fantastic mortgage broker to work with, very professional, diligent and really helped to make the process streamlined. Highly recommend!”
“She is best and most trustworthy advisor for any kind of mortgage, she keep us well versed and transparent throughout our process, very responsive and helpful.. highly recommend agent in gta”
A lenders are the big banks and monolines with the lowest rates and strictest rules. B lenders are more flexible on credit and income. Private lenders are the most flexible and short-term. I’ll place you at the lowest cost level you qualify for.
Yes — B and private mortgages carry higher rates and, often, fees. That’s the honest trade-off for flexibility. The goal is a short-term solution with a plan to move you back to an A lender.
Usually one to two years — long enough to resolve the issue (rebuild credit, season income, or fix a property), then refinance into a lower-cost option. I’ll map that exit from day one.
That’s the entire point of the plan. I structure the file so that, once you qualify again, moving to a lower-cost A lender is straightforward.
One conversation with the whole market. Free, no obligation, no impact on your credit.
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