"There is usually more than one way to look at a problem."
Real conversations. Real solutions. Real results.
Helping homeowners, self-employed professionals, and real estate investors find tailored mortgage solutions across Ontario.
Mortgage rates change. Instead of relying on outdated advertised rates, use your own rate in our calculator to estimate your payment.
A fixed rate can provide payment stability throughout your mortgage term.
Calculate Your PaymentVariable-rate mortgages can change as market conditions and the lender's prime rate change.
Compare PaymentsYour renewal is an opportunity to review your mortgage and compare available options.
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Tailored financial solutions backed by 25+ years of strategic lending experience across Ontario and Canada.
Tailored residential solutions for purchases, renewals, equity access, and complex debt restructuring.
Structuring multi-million dollar capital facilities for commercial properties, builders, and developers.
Capital solutions for self-employed individuals, business owners, and non-traditional income profiles.
Gary Garfinkel is a Senior Mortgage Professional with more than 25 years of experience helping homeowners, investors, business owners, builders and developers find financing solutions across Ontario that fit their individual circumstances.
Gary's experience includes residential and commercial mortgages, refinancing, construction financing, private lending and complex financing situations where traditional lending may not provide the right solution. He has worked with a broad range of lending institutions and brings a practical, solutions-focused approach to every financing opportunity.
For Gary, mortgage financing is about more than numbers and interest rates. It starts with understanding the person, the property, the business and the goals behind the financing. His approach is simple: look at the complete picture, identify the available options and build a financing strategy that makes sense.
Sometimes a lender sees something in a mortgage application that raises a question.
That doesn’t necessarily mean the deal won’t work.
It means we need to understand the complete picture.
Why did it happen?
What are the circumstances today?
What has changed?
And what is being done to prevent it from happening again?
Our job isn’t to hide the things that may concern a lender. It’s to explain them.
Lenders need enough information to make a good decision, and the more complete and well-presented the file is, the better they can understand the opportunity.
This becomes especially important with private financing. When a lender is comfortable with the borrower, the property, the exit strategy and the overall transaction, there may be more flexibility in how the financing is structured.
A file doesn’t have to be perfect. It has to make sense.
Sometimes that starts with a conversation.
Let’s understand it. Let’s explain it. Let’s find a way forward.
Gary Garfinkel
Senior Mortgage Professional
© 2026 Gary Garfinkel — All Rights Reserved
Real financing scenarios solved through strategic positioning, deep analysis, and trusted relationships.
By becoming a student of the client's business and looking beyond financial statements, we structured a multi-stage facility securing a prime location near major Ontario transport corridors.
A successful dental surgeon was declined by major banks due to startup costs for a new location. We re-analyzed one-time expenses, proved growth, and secured full refinancing.
Helped a first-time buyer secure a home in Barrie by analyzing market dynamics and presenting a fully pre-approved, clean offer with a 24-hour deadline before offer night.
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