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Jy Mortgages
  • Home
  • Rates
  • Services
  • Apply now
  • Book a meeting
  • Mortgage Calculator
  • Blog
  • About JY
  • Contact us

Professional Financial Services

Pre-Approval

Mortgage Refinance and Equity Takeout

First-Time Homebuyer

Pre approval, best interest rates, rate hold. Pre qualify

Getting pre-approved for a mortgage is a crucial first step in the home-buying journey, and we're here to guide you through it. Our team can help you develop a solid financial strategy, determine your mortgage amount, down payment, and purchase price, and give you a clear picture of what you can comfortably afford. A pre-approval not only strengthens your offer but also provides confidence as you search for your dream home. Pre-approvals are subject to qualification and can be held for up to one year.

Get Pre-Approved Now

First-Time Homebuyer

Mortgage Refinance and Equity Takeout

First-Time Homebuyer

First time homebuyer, first time home buyer, first home, best interest rate, best mortgage rates

Tired of handing over your hard-earned money to your landlord? If you’ve built up some savings and are ready to invest in a place of your own, we’re here to make the process easy. No matter your situation, we’ll handle the financing details so you can focus on finding the perfect home—one that fits your budget and aligns with your financial goals. Let’s turn your homeownership dream into reality!

Apply Now

Mortgage Refinance and Equity Takeout

Mortgage Refinance and Equity Takeout

Mortgage Refinance and Equity Takeout

Refinance, consolidate, debt consolidation, best rate, private lender, second mortgage

Refinance up to 80% of your home’s value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle. Worried about penalties? Don’t think it can make much difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.

Apply Now

Mortgage Renewal

Debt Consolidation

Mortgage Refinance and Equity Takeout

Renewal, mortgage renewal, lender switch, competitive rates, approval, private lender

Renew your mortgage with the power of choice—Over 60 lenders competing for your business to secure the best rate for your needs. We work with a wide range of lending institutions, including major banks, credit unions, trusts, and national and regional lenders, giving you access to exclusive options and stronger negotiating power. Let’s find the perfect mortgage renewal option for your unique situation!

Apply Now

Self-Employed

Debt Consolidation

Debt Consolidation

Self-employed, sole proprietor, corporation, self employed financing, pre-approval

When it comes to mortgages, it hasn’t always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We work with lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. 

Apply Now

Debt Consolidation

Debt Consolidation

Debt Consolidation

Debt-consolidation, refinance, get approved, mortgage, mortgage approval, pre-approval

Struggling with high-interest debt? Take control of your finances and free up your cash flow by consolidating your debts into one lower-interest payment. Instead of paying steep rates on credit cards, roll that debt into your mortgage and enjoy significant savings. With expert guidance and strategic financial advice, you can become debt-free faster and build a stronger financial future. Contact us today to start saving!

Apply Now

Construction Mortgage

Construction, construction loan, construction finance, construction financing, builder’s mortgage

We offer flexible and reliable construction financing to help bring your projects to life. Whether you're building a new home, renovating, or developing a larger project, our tailored financing solutions provide the funds you need at every stage. With competitive rates, quick approvals, and expert support, we make it easy to keep your construction on track. Contact us today to explore your options and get started on your construction mortgages.

Apply Now

Alternative Lending Solutions

We specialize in alternative lending solutions for clients who have difficulty securing financing

We specialize in alternative lending solutions for clients who have difficulty securing financing through traditional banks. Whether you have bad credit, are self-employed, or need flexible terms, we work with a wide network of alternative and private lenders to find the right solution for you. Our goal is to provide fast, customized financing options to help you achieve your goals. Contact us today to explore your options with alternative and private mortgages.

Apply Now

Commercial Mortgage

Commercial Mortgage

Commercial, commercial financing, second mortgage, private, loans, best rate, Ontario rates

We offer customized commercial lending solutions to help businesses grow and succeed. Whether you're purchasing property, expanding operations, or securing working capital, we connect you with competitive financing options tailored to your needs. With access to a wide network of lenders, we provide flexible terms and expert guidance to help you make the right financial decisions. Contact us today to explore the best solutions for your business.

Apply Now

Lending Areas

Start your application now using our secured portal

Apply NowBook a meeting

Copyright © 2025 JY Mortgages - All Rights Reserved.

Mortgage Agent License #: M20001458

Mortgage Brokerage License #: 13302


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