Turned down by your bank? Sarah Colucci specializes in complex mortgage files — self-employed, non-resident, credit-bruised, multiple properties, unusual income structures, or complicated ownership arrangements. 20+ years, $1B+ funded. When others say no, call 647-773-4849.
Mortgage options in Bayview Hill depend on the property, requested loan amount, verified income, credit history and the lender's current guidelines. The local average home price is approximately $2,100,000, but individual properties and neighbourhoods vary widely. Sarah reviews the complete application rather than relying on one rate or one automated rule.
Sarah Antonia Colucci is a licensed Mortgage Agent Level 2 with access to more than 50 lenders. She compares available mortgage structures, explains costs and restrictions, and identifies the documents a lender will need before an application is submitted. The initial consultation is free, and recommendations remain subject to lender review, property acceptance and full underwriting.
A useful review normally includes the mortgage balance or purchase price, available equity or down payment, household income, monthly obligations, credit history and the client's short- and long-term plans. Looking at these details together helps distinguish a low headline rate from a mortgage that actually fits the client's situation.
Yes — typically 2 years after the consumer proposal is fully discharged, you can qualify with many B-lenders. Some lenders will consider applications while in an active proposal if the credit history is otherwise clean. The rate and down payment requirements are higher than prime, but approval is achievable. I work with specific lenders who specialize in post-insolvency mortgages and know exactly what documentation they require.
Yes — some lenders accept foreign income with the right documentation. Requirements typically include 2 years of foreign income documented in Canadian dollars, verification of Canadian assets, and a strong credit profile. Down payment requirements are typically higher for non-residents. I identify which lenders accept which types of foreign income for which property types.
Rural properties over 10 acres, mixed-use properties with commercial component, properties with structural issues or under-construction elements, seasonal or recreational properties, hobby farms, oil heating properties, and properties in small or remote communities can all present financing complexity. I know which lenders finance which property types and at what LTV ratios.
Not necessarily. Different brokers have different lender networks and experience with complex files. If standard prime and alternative channels have been exhausted, private financing may be an option to explore if meaningful equity is present — though it comes at a higher cost and per FSRA guidance is intended as a short-term solution with an exit strategy, not a permanent arrangement. The central question is whether private financing makes economic sense for your situation. I'll give you an honest assessment of what the options look like and what they actually cost.
If you've been declined by lenders or brokers in Bayview Hill, Sarah Antonia Colucci of Colucci Mortgages specializes in exactly these situations. Complex income, credit challenges, unusual property types, consumer proposals, previous insolvency — these are the files Sarah Antonia handles every day. With Bayview Hill properties averaging around $2,100,000, you may have equity and options that aren't visible through standard channels. Call 647-773-4849 for a free, honest assessment of your specific situation.
For a personalized review, call Sarah at 647-773-4849 or request a free consultation. Rates, qualification and product availability can change without notice and are confirmed only through a complete lender application.