🏠 Ontario homeowner declined by the bank? Get real options today. Call (416) 735-4552
Dominion Lending Centres National Ltd. — FSRA #12360 Abhi Bathla Real Options When Banks Say No
📞 (416) 735-4552 Free Assessment →
Private & Alternative Mortgages · Ontario

The Bank Said No.Your Equity Says Yes.

Self-employed, bruised credit, behind on payments, or facing power of sale? If you own a home in Ontario with equity, you have options the bank never told you about — and a licensed broker who specializes in exactly these situations.

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Approval based on your equity — not just your credit score
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Self-employed, bad credit, consumer proposal & bankruptcy all welcome
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Stop a power of sale, consolidate debt, or unlock cash from your home
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A real person reviews your file — callback within 2 business hours
Start My Free Assessment →
Mortigator — private-lending AI assistant Let's find your yes. I'll take it from here. — Mortigator · your AI assistant
Free 60-Second Assessment

See What Your Equity Qualifies You For

A few quick questions. No credit pull. No documents needed to start.

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Answer a few quick questions about your property and situation.
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I personally review it and call you back within 2 business hours.
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Get real options from a network of 30+ private & alternative lenders.
Start My Free Assessment
or
📞 Call (416) 735-4552

🔒 Confidential · No spam · No credit pull at assessment

🛡️ FSRA Licensed
🤝 30+ Lender Network
📅 8+ Years Experience
📍 All of Ontario
🔒 100% Confidential
📞 Call Now Free Assessment →
A Familiar Story

If You're Reading This,
a Bank Probably Already Let You Down.

You did the responsible thing. You asked. And a computer — or a loan officer reading off a checklist — told you no. No explanation that helped. No path forward. Just a closed door and that sinking feeling. Here's what they didn't tell you: a bank "no" is not the whole market's answer.

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You're self-employedYour write-offs shrink the income banks want to see.
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Your credit took a hitA low score, collections, or missed payments in your past.
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You were declined at renewalSuddenly you don't "qualify" for the home you already own.
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You're behind on paymentsA warning letter — or a power of sale notice — has arrived.
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High-interest debt is piling upCredit cards, loans, or CRA and property-tax arrears.
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You're in a proposal or bankruptcyActive or discharged — and sure no one will lend to you.

Not one of these disqualifies you here. They're the exact situations I built my practice for — and the reason 30+ private and alternative lenders are willing to look when the bank won't.

There's a Different Way In

Banks Lend on Rules.
We Lend on Reality.

A bank fits you into a rigid box: a credit score, two years of tidy T4s, a passed stress test. Miss one and you're out — no matter how much equity you've built. Private and alternative lenders work differently. They look at the asset you already own and your real ability to carry the payments. My job is to match your situation to the right one of 30+ lenders.

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Your Equity Is the Key

The home is the asset. With enough equity, your credit score and income type move from dealbreakers to details. That's the entire shift — and it changes everything.

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We Move Fast

Most of our clients are on a clock — a closing, a renewal, a power of sale. Callback within 2 business hours, real options within 48 hours of a complete application, funding often in days.

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A Licensed Expert, In Your Corner

Not a call centre. Not a portal. A licensed Mortgage Agent (Level 2) who personally reviews your file, explains your options in plain English, and stays with you to funding.

See My Options — Free Assessment

Takes 60 seconds · No credit pull · No obligation

Dead Simple

From "Declined" to Real Options
in 3 Steps.

No long application to start. No credit pull. No documents up front. Just an honest conversation and a fast, clear path forward.

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Take the 60-Second Assessment

Answer a few quick questions about your property and situation. No credit pull, no documents, no obligation — it stays completely confidential.

Takes 60 Seconds
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I Review & Call You Back

A licensed Mortgage Agent (Level 2) personally reviews your file and calls you back within 2 hours during business hours to talk through your situation.

Callback in 2 Business Hrs
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Get Real Options & Move Forward

Once your application and documents are complete, you get clear options from 30+ lenders within 48 hours — then we handle the rest through to funding.

Options Within 48 Hrs
Start Step 1 Now — It's Free

🔒 100% confidential · No credit pull · No obligation

Why Homeowners Choose Abhi Bathla

A Specialist in "No."
Built to Get You to "Yes."

Plenty of agents dabble in private lending when a deal falls apart. For me, the declined files are the practice — and that focus is the difference.

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Declined Files Are the Specialty

Bank-declined, self-employed, bruised-credit, and urgent files are the core of what I do — navigated every single day, not as a rare exception.

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You Work Directly With Me

No call centres, no rotating reps. A licensed Mortgage Agent (Level 2) personally reviews your file and stays your one point of contact to funding.

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A 30+ Lender Network

Private lenders, MICs, B-lenders, and trusts — matched to your specific situation instead of squeezed into one bank's box. More doors, more ways to yes.

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Speed With Substance

A callback within 2 business hours and real options within 48 hours of your complete file. Fast — because in private lending, timing usually matters.

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An Exit-Strategy Mindset

Private lending should be a bridge, not a trap. Every file includes a realistic plan to move you back toward mainstream lending — usually within 12–24 months.

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Straight Answers, Zero Pressure

If a private mortgage isn't right for you, I'll say so. Plain-English explanations and an honest yes-or-no — never a hard sell or manufactured urgency.

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No-Pressure
Promise
Our Promise to You

No Pressure. No Credit Hit. No Catch.

You've been burned by a "no" already — the last thing you need is a hard sell. So here's exactly what taking the assessment does, and doesn't, commit you to:

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It's completely freeThe assessment and your first conversation cost nothing.
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No credit pull to startNothing touches your credit at the assessment stage.
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Zero obligationGet your options, then decide. Walk away anytime, no hard feelings.
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100% confidentialYour information is private and never sold or spammed.
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A real licensed expert reviews itA Mortgage Agent (Level 2) — not a bot or a call centre.
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An honest yes or noIf it's not a fit, I'll tell you straight. No false hope.
Start My Free Assessment or call (416) 735-4552 →
Straight Answers

Got Questions?
Good — Here Are the Honest Answers.

The stuff most people are too unsure to ask. If yours isn't here, the fastest way to a real answer is the 60-second assessment.

Get My Free Assessment →
No. There's no credit pull at the assessment stage — answering the questions and our first conversation won't touch your credit. If a specific lender later needs to review your credit as part of a full application, I'll tell you before that ever happens.
Often, yes — these are core situations I work with. Private and alternative lenders weigh your property equity and ability to carry the payments far more heavily than a credit score or a past insolvency. An active consumer proposal or an undischarged bankruptcy adds steps (and sometimes a trustee), but it doesn't automatically close the door.
That's one of the most common reasons people come to me. There are stated-income, bank-statement, and Business-for-Self programs built for owners and contractors whose tax returns understate their real cash flow. We work with the numbers that reflect how you actually earn.
Usually not — but timing is everything, so reach out today. Even after a notice, there's a redemption window, and private funding can often pay out the arrears and stop the process. The earlier we start, the more options you have and the less it costs you in fees and legal expenses.
I call you back within 2 hours during business hours. Once your application and documents are complete, you'll have real options within 48 hours, and most private mortgages fund in about 5–10 business days. Urgent files can often move faster.
No — I'm your licensed Mortgage Agent (Level 2). I work for you, comparing a network of 30+ private and alternative lenders to find the right fit for your situation, then guiding the file to funding. And because private lending should be a bridge, every plan includes a realistic exit strategy back toward mainstream lending.
Just the 60-second assessment — no documents required up front. When we talk, I'll confirm the short list for your specific situation (typically photo ID, your mortgage statement, property tax bill, and home insurance details). Having those ready simply speeds everything up.
Mortgage Options With Teeth

Your Equity Is Sitting There.
Let's Put It to Work.

Stop waiting on a bank that already said no. One 60-second assessment is all it takes to find out what your home equity actually qualifies you for — with zero risk and zero pressure.

⏱️ Time-sensitive situation? Behind on payments or facing a power of sale — the sooner you start, the more options you keep.
Start My Free Assessment 📞 (416) 735-4552

🔒 Free · Confidential · No credit pull · No obligation

Let's find your yes. I'll take it from here. — Mortigator · your AI assistant
Mortigator — private-lending AI assistant