Creative Financial Solutions and Alternative Lenders


For many of my clients finding creative financing solutions for them has made all the difference in getting an approval and helping them purchase their first home!



This is one of the biggest benefits of working with a mortgage agent like myself, rather than working directly with your bank.  My team and I have access to Alternative Lenders and products which offer clients greater flexibility.



Remember, not all lenders view income (especially business for self clients) the same way.  Depending on your current employment and/or situation, I can match you up with the lender and mortgage that is best suited for you and your needs.  



What creative solutions can your lenders offer me?



Some Creative Solutions that have made all the difference in getting an approval or the lenders I have access to that have specific niches such as:


  • Clients that need longer amortization schedules in order to make the deal work and stretch their purchasing power 

  • Lower-income earners with government income such as a pension can be grossed up by up to 35% by some lenders 

  • Clients that are currently on maternity leave, I have lenders that will count 100% of their return to work income regardless of what their RTW date is. With limited income verification.

  • 85% rental offset as opposed to big banks which offer 50% add to income rental value

  • Some of our lenders allow 100% of child tax benefits and child support without a court order 

These are just a few examples of creative financing solutions that our lenders offer clients that work with us.


There’s nothing worse than having your offer fall through because you can’t obtain financing. This is why we recommend obtaining a pre-approval certificate or including a clause for financing in order to secure your funds and protect yourself from losing your deposit when putting an offer in on a property. 




To learn more about Creative Financial Solutions reach out today.




How can Ahmad, mortgage specialist at and the Total Mortgage Source 360 Team help you?


Ahmad and his team are industry experts on mortgages. They offer excellent customer service and pride themselves on their ability to help you find the right mortgage product for your needs.

We can offer you some of the most competitive interest rates and mortgage products available because we have access to Canada’s leading lenders, including banks, mortgage firms, trust companies and private lenders. 

Want to learn more about how Ahmad can help you secure your mortgage? Reach out today to get the conversation started!  Ready to apply for your FREE mortgage pre-approval?  Click HERE 



Total Mortgage Source 360  FSRA#12151 – Each office is independently owned and operated 


Meet Ahmad, Your Mortgage Specialist.

My promise to You:

I will find you the best rate and products

Unlike your traditional bank, which only has access to their own products, I have access to products from most major lenders in Canada which ensures I find the best product suited to your needs and goals

I will simplify the process for you

Buying a House Can Be Overwhelming, especially if you don't know where to start. My passion is helping guide clients and friends through the path to homeownership.


From the time of your initial inquiry, until the day of funding, consider me your guide and coach. I'll ensure you have a clear picture of the steps ahead so you move forward confidently and that every decision your make is an educated one.


I work for you, NOT the lenders.