Equity Mainly Matters is recognized and well known within the Mortgage industry for providing their clients with a cost-efficient Mortgage solution in the form of First and Second Mortgages, Private Mortgages, Refinance, Home Equity Loans, Commercial Mortgages, HELOC (Home Equity Line of Credit), and many other Mortgage Solutions.

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

Equity Mainly Matters prides themselves on improving each client’s financial situation by ensuring that each and every one of their clients Mortgages are perfect and suited for their particular needs.

Equity Mainly Matters has helped a large number of clients from all over Ontario resolve their Mortgage issues, such as Mortgage arrears, property tax arrears, CRA arrears, consumer proposal. They have also helped many of their clients save their houses during extremely difficult times such as Power of Sale/Foreclosure process.

Equity Mainly Matters also specializes in assisting borrowers with credit issues. They have helped many 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.

Equity Mainly Matters always provides their clients with a customized Mortgage Solution products which helps solve their problems, especially when they’re stuck and require professional Mortgage expertise.

As an alternative lending specialist, we have access to a variety of alternative Mortgage lender products (Such as B or Private Lenders) who provide our clients with cost efficient Mortgage Solution products, regardless of the borrower’s credit or income status.

We work closely with our clients and assess their given financial situation which is generally based on their income, credit and overall debt status. Some of our clients have bad/bruised credit therefore, require a short term Debt Consolidation or Second Mortgage Solution with an alternative lender. We help these clients improve and overcome their poor credit situation and transition them back with institutional (bank) lenders at the lowest rates available on the market. We essentially help these clients transition from a bad credit borrower to a good credit borrower.

We’re a well-informed and knowledgeable Mortgage team with many years of experience within the Mortgage industry. We have had the pleasure of helping and approving many borrowers from all across the Province of Ontario for many different types of Mortgage loans particular to their needs. We have a solid plan that we execute and a great solution in mind for all types of challenging scenarios.

Our job is to assist our clients to the best of our ability by going above and beyond for them. We will not judge our clients. We’re here to listen to our clients Mortgage inquiries and to provide them with expert advice in order to help them overcome their financial obstacles so that they can improve their overall given situation and transition into a traditional Mortgage lending product as quickly as possible.

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Home Equity Loans Approved In Less Than 24 Hours!

Borrow against the equity of your Property
NO Appraisal Required For 2nd Mortgages! (Up To 80% LTV in The GTA)
NO Income/Credit Requirement

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)


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.

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.