Equity Mainly Matters specializes in assisting borrowers who have been turned down by banks. Some of these reasons can be due to being Self-Employed and therefore, the borrower is experiencing difficulties proving their income to the banks. Other reasons may be due to the borrower having poor credit or low income.

We also specialize in assisting borrowers with credit issues. If a borrower has bad credit, will help pair them up with an alternative Mortgage solution product for a temporary period until we help our client repair and rebuild their credit.

Home Purchase Mortgage
Second Mortgage
Home Equity Line of Credit
Home Equity Loan
Debt Consolidation
Home Renovation
Self Employed Mortgage
Private Mortgage
Stop Power of Sale
Commercial Mortgage
Mortgage Renewal

As long as you have a minimum of 20% or more equity in your property, we can help get your Mortgage loan Approved!

We always provide our clients with excellent and unbiased service. We have lots of experience within the Mortgage industry. Our experience and expertise within the field has helped our clients achieve a successful winning formula as we provide them with a Mortgage Solution product that helps achieve their short and long term goals and objectives. We always ensure our clients receive the best service regardless of their given unique financial situation.

Equity Mainly Matters has access to 200+ Lenders located all across the Province of Ontario which includes, institutional lenders (Banks), B Lenders (Trust Companies), Credit Unions and Private Lenders/Investors.

We assess our clients Mortgage needs and help pair them up with Lenders that would be most suited and beneficial to the client (based on their given unique situation).

We always provide our clients with the lowest rates and fees available on the market regardless of their credit or income criteria. We process and shop our clients files to over 200+ lenders and present them with the best/lowest rates and fees offers.

We provide our clients with quick quotes. Within the first 5-10 minutes of learning about our clients Mortgage loan inquiries, we will have a solid, well-executed plan in mind for them. We help our clients obtain the best Mortgage solution product which in return will help them save thousands of dollars throughout their Mortgage loan term. It can generally take up to 1 week to close/get funded however, we offer urgent closing timeframes of 2-3 business days for clients in urgent need of funds.

We always have a solid plan in place that is most suited and beneficial for our clients short and long term financial goals. Our objective is to help our clients repair/rebuild their credit situation and score. This will essentially help them qualify and transition towards low rate Institutional (bank) lenders. We have a solid plan/solution for all of our clients regardless of their income or credit criteria.

We’re highly motivated and driven. We strive on helping our clients achieve their short and long term goals. We have helped thousands of clients transition from a bad credit borrower to a great credit borrower. We help our clients achieve overall success by helping them save their hard-earned money from paying high interest lenders and creditors. This helps them eliminate unnecessary stress. Achieving this level of success, motivates us and gives us the drive and determination to continuously push for more positive results for all of our clients.

We take a lot of pride in making ourselves available to our clients on a daily bases. We’re open 7 days a week and available 24 hours a day to serve our clients. You can contact us via telephone, email, text message or via any of our Social Media outlets.

We’re a strong believer in giving back to the Community by organizing fundraisers which helps raise money for the less fortunate. We take pride in our partnership that we have going with several charities from Communities located across the Greater Toronto Area. Together as a team, we help provide food and shelter for the less fortunate people.

We’re friendly, trustworthy and reliable. You can always count on us to get the job done for you. We’re very experienced and educated within the Mortgage industry. We have clients who call us on a regular day to day basis just to say ‘’Hello’’. We ensure all of our client’s phone calls are answered right away and that their emails/texts sent to us are responded to in a very timely efficient manner.


We here at Equity Mainly Matters are hard-working, reliable, trustworthy, caring and passionate Mortgage team with many years of experience within the financial industry.

We help our clients obtain short and long term Mortgage loans that helps benefit them throughout their Mortgage loan term.

We’re a very firm believer that if there is a solid plan/objective set in motion, it will help prepare and execute our clients goals of achieving the best possible Mortgage solution product which is most suited for our clients and their families overall requirements.


We’re committed to helping our clients obtain the best possible Mortgage Solution product regardless of their given credit, debt or income criteria.

It’s a part of our job to help relieve stress from our clients by helping them get approved for a cost-effective Mortgage while they’re encountering difficult times. Once we have helped our clients transition out of their difficult scenario, we can then transition them into a conventional Mortgage product at the best available rates offered.

We’re committed to educating and guiding our clients throughout some of their most difficult life transpiring events that they might be encountering.


We specialize in assisting borrowers who have been turned down by banks. Some of these reasons can be due to being Self-Employed and therefore, the borrower is experiencing difficulties proving their income to the banks. Other reasons may be due to the borrower having poor credit or low income.

We also specialize in assisting borrowers with credit issues. If a borrower has bad credit, will help pair them up with an alternative Mortgage solution product for a temporary period until we help our client repair and rebuild their credit.

We have helped many our clients rebuild their credit by providing them with insight guidance in order to help transition them from a bad credit borrower to a great credit borrower.


“The average borrower does not qualify for Institutional (Bank) Mortgage loans due to the banks strict lending qualifications, such as their income, credit, debt servicing ratios and stress test criteria’s.

This is when we at Equity Mainly Matters come into play and provide the borrower with alternative Mortgage solution products for a temporary time period. During this time period, we will work closely with the borrower and help them improve their credit situation. This will essentially help the borrower transition from a bad credit borrower to a great credit borrower.

Unlike many other Mortgage Agents that part ways with their clients, once their Mortgage loan has been arranged, We will continuously makes all possible efforts in order to help our clients repair/rebuild their overall credit situation.

We will continuously touch base with our clients and provide them with expert knowledge, tips and advice which will in return help improve their credit situation and score therefore, making it easier for them to qualify for a traditional bank Mortgage again.”

Hamilton, Ontario

I had a very pleasant experience working with Shawn Sef at Equity Mainly Matters Loans. We contacted Shawn looking for help in order to pay off our high interest credit card debts. Shawn made the process very easy for us by explaining the Mortgage loan details for the Debt Consolidation Mortgage Solution which he recommended for us. Shawn was actively present every step of the way and was very knowledgeable. I will definitely recommend Shawn to my peers due to his knowledge, professionalism and expertise.

Brampton, Ontario

Shawn is extremely passionate about his job. Shawn always demonstrates a positive and professional attitude. His easy going and friendly personality always makes the experience of working with him fun and stress free. Shawn made the entire Mortgage loan process very simple for me to which I’m thankful for. Shawn is very proactive and updates me on a regular basis in regards to my file.

Markham, Ontario

Me and my husband had never worked with a Mortgage Broker before. I needed to consolidate all of my debts. I was paying high monthly interest fees to my creditors and my bank informed me that I couldn’t get approved with them because of my low credit score. Shawn did an excellent job by helping me consolidate and pay off all of my various high interest debts. I’m now debt free. My credit score has improved and I don’t owe creditors any monthly high interest payments. We went from paying $1,650 month towards our credit card debts and loans, to now paying only $520 month which helped us build up a good savings. Shawn rescued us from our creditors and helped us save an extensive amount of money for our families future.


As a first time home buyer, we required a Mortgage broker who was willing to be very patient with us and to explain every detail of the Mortgage loan process and provide us with as much information as possible. Shawn informed us of the exact required down payment amount (based on the types of lenders that we qualified for), fees, closing costs, Land Transfer tax etc. Shawn was very good in providing us with accurate rates, figures and calculations which we realized we could afford the monthly Mortgage payments and make the Home Purchase work. One other important factor was that Shawn kept on top of our file by updating the progress every step of the way which was very important to us. Shawn is very proactive which we appreciated!

Toronto, Ontario

Shawn helped our family obtain a low rate 2nd Mortgage from a Private Lender. Banks turned us down as we failed to meet their requirements for the stress test, income and credit criteria. However, Shawn was able to find various Private Lenders/Investors that were interested in making us an offer and we ended up taking a great offer for a 2nd Mortgage which made the most sense for us. We will definitely refer our family and friends to Shawn in the near future. I can’t say how much I appreciate all the time and effort Shawn put into our file.

Mississauga, Ontario

Shawn demonstrates excellent customer service skills. He’s always very quick to respond to my emails and calls. Shawn helped me get approved twice in the past year alone and I hope to work with him again in the near future. Shawn was very friendly, attentive and dedicated his time and effort by providing me with solid knowledge, expertise and advice which in return helped the process of purchasing my first home very easy and stress free. Shawn even followed up on my behalf with my lawyer in order to finalize all the details. I would highly recommend his services.

Ottawa, Ontario

From the first time I spoke with Shawn Sef, I felt comfortable and at ease which was due to his calm and patient personality and attitude. He was also very understanding and caring to our current situation and needs by providing the best course of action for us to take which made the most sense for our family. Shawn is very knowledgeable within the mortgage field and delivered exactly what he said he would. He even provided us with accurate closing/funding dates from day one. I would definitely recommend Shawn Sef to any borrower looking for a good
Mortgage broker.

Toronto, Ontario

Shawn had helped my wife and I obtain a 2nd Mortgage from a Private Lender last year. We used the majority of the Mortgage loan proceeds to help renovate/upgrade our home. Once the refurbishments had concluded, we ordered a new appraisal and noticed that our house value had increased substantially. The following year, Shawn helped us refinance both our Institutional and Private Mortgages into a new low rate, 1st Mortgage with an A Lender (Bank) which is going to help us save an extensive amount of money in monthly payments moving forward. I’m very thankful for Shawn’s knowledge, skills and expertise within the mortgage industry which ended up helping us save thousands of dollars.

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Home Equity Loans Approved In Less Than 24 Hours!

NO Income/Credit Requirement
NO Appraisal Required For 2nd Mortgages! (Up To 80% LTV in The GTA)
Serving All Of Ontario Including But Not Limited To:
North York
Richmond Hill
East Gwillimbury
West Gwillimbury
King City
Niagara Falls
New Tecumseth

Services Provided


A & B Lender

Private Lender

Private Mortgage

Mortgage Broker

Home Purchase Mortgage

First Mortgage (1st Mortgage)

Second Mortgage (2nd Mortgage)


Bad Credit Mortgage

Equity Take Out/ Home Equity Loan

Debt Consolidation/ Home Renovation

STOP Power of Sale / Foreclosure

Income Tax Arrears/ Mortgage Arrears

Property Tax Arrears/ Consumer Proposal

Low Interest Rates & Low Fees

Up To 90% LTV Approved

Self Employed= OK!

Low/No income= OK!

Bad Credit= OK!

Equity Approved Loans!

NO Income Documents Required!

Quick Quotes (10-15 Minutes)

Fast Approvals (3-4 Hours)

Fast Closing (24-48 Hours)