Open Financial guides
Better financing starts with a clearer route.
Practical guidance for complex property and mortgage decisions, from alternative credit to construction and permanent financing.
Alternative and private
When the conventional route does not fit.
Understand the lender paths, costs, and exit strategy before urgency makes the decision for you.
Private mortgage options
When Conventional Credit Does Not Fit
What Ontario homeowners can do after a bank mortgage decline, including B-lenders, private mortgages, second mortgages, and refinance alternatives.
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Home equity and cash flow
Second Mortgage and Consolidation
A homeowner guide to second mortgages, debt consolidation, refinancing, and private lending options in Ontario.
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Ontario business-owner borrowing
Self-Employed & Business Owners
A practical Ontario guide to documenting sole-proprietor, partnership, and incorporated-business income for residential and business-property financing.
Read guideCommercial and construction
Finance the asset and the next stage.
Plan acquisition, development, business-property, and take-out financing as one connected capital decision.
Ontario development finance
Construction & Development
A borrower-first Ontario guide to land acquisition, pre-development, construction draws, lease-up, stabilization, and permanent take-out financing.
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Ontario business property finance
Owner-Occupied Commercial
A practical Ontario financing guide for established business owners buying, refinancing, building, or improving the property their company occupies.
Read guideRental housing and CMHC
Compare the route, not only the rate.
See how bridge, conventional, CMHC-insured, and direct construction programs differ in practice.
Ontario rental financing comparison
Compare Rental Routes
A dated, source-backed comparison of four financing routes for Ontario multifamily acquisition, construction, stabilization, and permanent debt.
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Ontario multifamily finance
Multifamily Bridge
A borrower guide to acquiring, renovating, leasing, stabilizing, and refinancing Ontario multifamily property with a defensible bridge exit.
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Rental housing finance
CMHC MLI Select
A practical CMHC MLI Select guide for Ontario rental housing, multiplex, and multifamily files.
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Policy and innovation
Building a better mortgage experience on Canada's next financial infrastructure.
Read Open Financial's submission on consumer-driven banking, responsible AI, and the role of professional judgment in Canadian mortgage services.