STARTING AT STARTING AT*
4.99% *
*Rates OAC. Subject to change.
Your Mortgage Made Simple
Find out how much you could get or save today!
What’s your current goal?
Melissa T., Scarborough
“Self-employed and struggling. lendsimpl made it simple and got me a mortgage!”
Navdeep B., Brampton
“My bank said no. lendsimpl got me approved fast—super helpful and stress-free!”
BankSaidNo?WeSayLet'sTalk.
Not everyone fits inside a big bank’s mortgage box. That’s where B-lenders come in—regulated lenders who offer more flexibility with income, credit, or paperwork. At lendsimpl, we help good people get great mortgages, even if your profile doesn’t check every traditional box.
Low Rates
Zero Stress
STARTING AT STARTING AT*
4.99%
Stuck in a High-Interest Private Mortgage? Let’s Fix That.
If you’ve been turned down due to self-employment, recent credit issues, or simply don’t meet a bank’s strict guidelines, don’t worry—B-lenders are a viable, professional solution. They offer fair rates and short-term flexibility to help you qualify and grow into long-term financing.
STARTING AT STARTING AT*
4.99% *
3-YEAR FIXED STARTING AT*
5.24% *
*Rates OAC. Subject to change.
Today’s Lowest B-Lender Mortgage Rates
We surface today’s sharpest offers from top Ontario lenders. Buying, renewing, or refinancing — pick your term and lock in with confidence.
3-YEAR FIXED STARTING AT*
5.24% *
*Rates OAC. Subject to change.
Calculator
Mortgage Calculator
Find out your exact monthly mortgage payments and plan your Canadian dream home with confidence.
Purchase Calculator
Discover how much home you can afford in today’s Canadian market and shop smarter from day one.
Reverse Mortgage Calculator
Unlock your home’s equity tax-free and enjoy a comfortable retirement in Canada.
Renewal Calculator
Don’t auto-renew blindly — compare renewal options and save thousands with the best Canadian rates.
Closing Costs Calculator
Avoid last-minute surprises — see the full closing costs for your Canadian home purchase upfront.
Land Transfer Calculator
Instantly calculate your provincial land transfer tax and check rebates for Canadian first-time buyers.
Why Choose a B-Lender Mortgage with lendsimpl?
Flexible Approval Guidelines
Qualify with alternate income docs, lower credit, or recent employment changes.
Short-Term Strategy, Long-Term Plan
Use a B-lender to get into the market today—and transition to a bank later.
More Options, Less Stress
Over 50 lenders to choose from. We’ll find the best fit for your unique story.
Low Rates
Zero Stress
Your Simple Path to Approval with lendsimpl
- 1Talk to a BrokerWe'll review your situation and determine if a B-lender is the right fit.
- 2Get Pre-QualifiedWe match you with a lender who understands your income and credit story.
- 3Lock In & CloseSecure your rate, provide paperwork, and we handle the rest with the lender.
- 4Plan Your TransitionWe'll help you build your file to move to an A-lender when you're ready.
❤️ Testimonials Section
Damien Atapattu made my mortgage process completely stress‑free. He prepared all documents ahead of time and clearly understands lender, lawyer, and appraisal requirements. A friendly, energetic professional who gets results.
Aruna Bandaranayake
Highly recommend! Damien took a lot of time to explain the terms thoroughly. He is very knowledgeable and trustworthy. Looking forward to working with him again!
Tommy Ravindran
Shamal was amazing throughout the whole process. He is very helpful, knowledgeable and patient. If you need a good reliable mortgage broker he is the guy! He will find you the best solution.
Avy Loc
Highly recommend. Damien was excellent throughout everything. Walking us through everything step by step. He was extremely well prepared and well versed in everything we needed to get a mortgage at a great rate.
John Abraham
I had a great experience working with Damien. He helped me secure a very competitive mortgage rate through Scotiabank and made the entire process smooth and stress-free. He was knowledgeable, transparent, and always quick to respond to my questions. I highly recommend him.
Rz
I approached lendsimpl for some financing and was amazed at the quality and time frame of service. Within a matter of days my deal was completed. Thanks to Damien and the team for expediting my business so efficiently. I highly recommend them for your financing needs. Five stars from us.
Sunrise Meadows
Frequently Asked Questions
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lendsimpl is a licensed mortgage brokerage in Ontario. FSRA License #13763.
Compensation Disclosure :As a licensed broker, lendsimpl may receive compensation from lenders for arranging your mortgage. This does not affect your rate or approval. All fees will be disclosed in writing prior to closing.
Rate Accuracy Disclaimer :Rates and offers are subject to change without notice. Final approval and pricing depend on creditworthiness, income, property type, and lender policies.
General Information Only: The information on this page is for general informational purposes and should not be considered legal, financial, or mortgage advice. Please speak to a licensed mortgage professional to understand what’s right for your situation.