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 stress-free 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
“I was stuck in a 10.5% private mortgage. lendsimpl found me a B-lender at 6.3%—they saved me over $700/month.”
Jason C., Brampton
“They didn’t just look at my credit. They looked at me. I got approved in 48 hours.”
Sofia L., Mississauga
“Every bank turned me down. lendsimpl saw my value as a self-employed immigrant. I now own my first condo.”
Harleen M., Scarborough
“Simple, fast, and no judgment. I’ll never go back to the banks.”
Daniel T., North York
“I’d been turned away three times before. lendsimpl made it happen.”
Ayesha R., Hamilton
They approved me when the banks wouldn’t. Highly recommend!
Jordan P. — Toronto, ON
“I thought no one would approve me after my consumer proposal. lendsimpl treated me like a human and got me a mortgage at 6.59%.”
Priya N., Vaughan
Frequently Asked Questions
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Let’s Find the Right Lender for You
Fill out the form below and one of our licensed mortgage experts will reach out with personalized options—no pressure, no obligation.
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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.