Bank Said No.
Your Equity Says Yes.
Self-employed, commission or cash income, bad credit, consumer proposal, bankruptcy, or facing a power of sale — if you own property in Ontario with equity, I can connect you to private and alternative lenders who look at the whole picture.
🔒 100% Confidential · No Obligation · No Credit Pull at Assessment
Let's find your yes. I'll take it from here. — Mortigator · your AI assistant
Find Out What Your Equity Qualifies You For
A few quick questions. No credit pull. No documents needed to start.
🔒 Confidential · No spam · No credit pull at assessment
Credit score, income type, an active consumer proposal, a past bankruptcy — those don't stop the conversation here. They're the reason I built this practice.
The Bank Said No.
That's Not the End.
Traditional lenders run your life through rigid checklists. A missed payment years ago, self-employment income that doesn't fit their forms, a renewal that suddenly doesn't qualify — none of it defines your ability to manage a mortgage. I read the whole picture, starting with the asset you already own.
If Any of This Sounds Like You —
You're in the Right Place.
Every profile below is a type of client I actively work with across Ontario — residential and commercial, purchases and refinances.
Every mortgage story is different. Take the 60-second assessment and I'll personally review your situation and call you back with real options — not a generic rejection.
Get My Free Assessment 📞 Call Now3 Steps. No Red Tape.
Real Results.
No lengthy applications, no waiting weeks for an answer, no being shuffled between departments. Just a clear, fast path from "the bank said no" to a real plan.
Tell Me Your Situation
Take the 60-second assessment or call me directly. No credit pull, no documents required to start, no obligation — just an honest conversation about where you're at.
Takes 60 SecondsI Review & Find Your Options
I personally call you back within 2 hours during business hours, build your file, and match it against 30+ private and alternative lenders. Once your application and documents are complete, you get real options within 48 hours.
Options Within 48 HoursGet Funded & Move Forward
Choose your preferred option and we handle the rest — paperwork, the lender's lawyer, and funding. Most private mortgages close in 5–10 business days.
Typically 5–10 Business DaysIt Speeds Everything Up.
Private lending moves fast when your file is complete. The exact list depends on your situation — I'll confirm everything on our first call.
Built for Real-Life
Ontario Situations.
From stopping a power of sale to unlocking equity, buying when the bank says no, or rescuing a declined renewal — these are the mortgage solutions I arrange for homeowners and property owners across Ontario.
Private Mortgages
Equity Take-Out & Home Equity Loans
Self-Employed & BFS Mortgages
Debt Consolidation Mortgages
Power of Sale & Foreclosure Relief
Consumer Proposal & Bankruptcy Mortgages
Purchase Mortgages (Bank Declined)
Renewal Rescue
Commercial & Mixed-Use
What Could Your Equity Unlock?
Slide to your numbers and get an instant ballpark — no personal details, no credit pull, nothing saved. Just a starting point for our conversation.
Why Ontario Homeowners
Choose Abhi Bathla.
No inflated claims, no fake five-star walls — just the real reasons this brokerage practice wins files the banks walk away from.
Declined Files Are the Specialty
Most brokers treat a bank decline as a dead end. Here, it's the starting point — this entire practice is built around private and alternative lending for the situations banks won't touch.
You Work Directly With Me
No call centres, no handoffs, no "your file has been escalated." You deal with one licensed Mortgage Agent Level 2 who knows your story from the first call to funding day.
30+ Lender Network
Private lenders, MICs, B-lenders, trusts, and credit unions — your file gets matched to the right lender, not forced into the only box one institution offers.
Speed With Substance
A callback within 2 hours during business hours and real options within 48 hours of your complete application and documents — commitments, not slogans.
Exit-Strategy Mindset
Private lending is a bridge, not a destination. Every file includes a realistic plan back to mainstream lending — so today's solution sets up tomorrow's win.
Straight Answers, Zero Pressure
If a private mortgage isn't right for you, you'll hear that too. Every option is explained in plain English, in writing — and the decision is always yours.
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Licensed. Local.
In Your Corner.
I'm Abhi Bathla, a licensed Ontario Mortgage Agent, Level 2 — FSRA Lic. #M16001438 — operating under Dominion Lending Centres National Ltd. (FSRA #12360), independently owned and operated. For over 8 years I've worked in mortgage finance, and I built my practice for one kind of client: the Ontario homeowner the banks turned away.
Self-employed income the bank "can't verify." A consumer proposal that slammed every door. A renewal that suddenly doesn't qualify. A power of sale notice sitting on the kitchen table. These aren't edge cases to me — they're my entire practice. I know which of my 30+ lenders says yes to which situation, and I tell you the truth about your options either way.
"My promise is simple: an honest assessment of your real options, a plan that protects your equity — and a straight answer, even when that answer is 'don't do this deal.'"
Facing Power of Sale?
We Can Stop It.
In Ontario, your lender can issue a Notice of Sale after as little as 15 days of default — and from that notice you typically have a minimum 35-day redemption window before they can move to sell your home. They don't need a court order to do it. Private funding arranged inside that window can pay out the arrears and stop the process. The earlier you call, the more options — and equity — you keep.
Urgent files get same-day attention — including evenings and weekends.
Knowing where you are in this timeline tells you how much room you have to act — and why every week matters.
Arrears, penalties, and lender fees start stacking. After just 15 days of default, the lender can formally begin the power of sale process.
You have at least 35 days to pay out what's owed. This is your strongest window — private funding arranged here stops the sale entirely.
The lender moves toward possession of the property. Every legal step they take gets billed against your equity. Options narrow fast — but may still exist.
Forced sales often fetch below market. Fees, penalties, and legal costs come out of your equity first — any surplus returned to you is usually far less than selling on your own terms.
Lender fees, penalties, and legal costs compound daily — and they all come out of your equity. Acting early preserves what you've spent years building.
With your documents ready, private funding can pay out the arrears and stop the process inside the redemption window. Speed is the whole game here.
Got any letter from your lender — even a strongly-worded warning? Call or text today. I'll tell you exactly where you stand and what your real options are.
Questions Ontario
Homeowners Actually Ask.
No jargon, no fine-print games. If you don't see your question here, ask me directly — you'll get a straight answer either way.
Every situation is different. Take the 60-second assessment and ask me anything on our call.
Ask Me Directly → 📞 (416) 735-4552Stop Waiting on a Bank
That Already Said No.
Every week you wait, arrears grow, options narrow, and stress compounds. One 60-second assessment puts a licensed specialist in your corner — and costs you nothing.
- ✓ Free assessment — no cost, no obligation
- ✓ No credit pull at the assessment stage
- ✓ Personal review by a licensed Mortgage Agent Level 2
- ✓ Real options from a network of 30+ lenders
- ✓ Typical funding in 5–10 business days
Sat 10am–4pm Urgent power-of-sale files: same-day attention