Mortgage financing built around your life, not a lender's checklist.
Ivory Capital helps homeowners, families, business owners, and investors across Ontario secure the right financing — mortgages first and foremost, plus business loans of any size, second mortgages, and private lending — with direct access to major banks, credit unions, and private lenders, and one advisor who stays with you from application to close.
Today's Sample Rates
Illustrative only — your rate depends on your profile and lender selection.
Mortgages, explained clearly — and negotiated well.
Buying a home, renewing a mortgage, or unlocking equity shouldn't mean guessing what a bank is willing to offer. At Ivory Capital, we work for you — not for one lender — comparing rates and terms across a wide network of banks, credit unions, and private lenders to find financing that actually fits your goals.
Whether you're a first-time buyer navigating the process for the first time, a growing family refinancing to consolidate debt, or an investor building a portfolio, we take the time to understand your full financial picture before recommending anything. One conversation, one application, options from the whole market.
We're licensed mortgage professionals based in Ontario, and every file is handled with the same discipline: clear communication, honest advice, and a straightforward path from pre-approval to closing day.
Mortgage and business financing for every stage.
Mortgages are our bread and butter, but we also arrange business loans, second mortgages, and private financing — structured around where you are, and where you're headed.
Residential Mortgages
Purchase or renewal financing for first-time buyers and repeat homeowners, matched to your budget and long-term plans.
Refinancing & HELOCs
Access the equity you've built for renovations, investments, or major expenses — with a home equity line of credit or full refinance.
Investment Properties
Financing structured for rental and multi-unit purchases, including portfolio strategy for growing investors.
Debt Consolidation
Roll high-interest debt into your mortgage to lower your monthly payments and simplify your finances.
Private & Alternative Lending
Flexible private mortgage options for self-employed borrowers, non-traditional income, or situations the big banks won't touch.
New-to-Canada Programs
Mortgage options designed for newcomers building credit history in Canada, with lenders who understand your situation.
Business Loans
Financing for businesses of any size — working capital, equipment, expansion, or acquisition — structured around your company's cash flow and goals.
Second Mortgages
Access additional equity behind your existing first mortgage — a fast, flexible option when you need funds without refinancing your whole loan.
Reverse Mortgages
Unlock the equity in your home without monthly payments — a flexible option for homeowners 55+ looking to supplement retirement income.
From first call to closing day.
No pressure, no obligation — just a clear path to the right financing.
Free Consultation
We learn about your goals, income, and timeline — no cost, no commitment, just an honest read on your options.
We Shop the Market
We compare rates and terms across our lending network on your behalf, and walk you through the tradeoffs in plain language.
Approval & Close
Once you choose a lender, we manage documentation and coordinate with your lawyer through to closing — securely, and on schedule.
Access to Canada's leading lenders — not just one bank.
When you walk into a single branch, you get one institution's products. When you work with Ivory Capital, you get a broker who shops your file across banks, credit unions, monoline lenders, and private capital to find the fit that actually serves you.
One application. One point of contact. A much wider set of options than you'd find on your own.
Proudly serving homeowners across Ontario.
Ready to see your real options?
Book a free, no-obligation consultation and get straight answers on what you qualify for.
Let's find your mortgage.
Tell us a bit about what you're looking for and we'll be in touch within one business day — no pressure, no obligation.