61 Sharer Rd, Woodbridge, ON L4L 8Z3
Shawn Sef – Mortgage Agent – Lic #M19002267 – Mortgage Associates Ontario Inc. Brokerage Lic #12340


Shawn Sef with Equity Mainly Matters is recognized and well known within the Mortgage industry for providing his clients with a cost-efficient 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.

Shawn has access to various types of Lenders/Investors from all across the province of Ontario which includes, institutional lenders (Banks), B Lenders (Trust Companies), Credit Unions and Private Lenders/Investors.

Shawn prides himself on improving each client’s financial situation by ensuring that each and every one of his clients Mortgages are perfect 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. Shawn has also helped many of his clients save their houses during extremely difficult times such as Power of Sale/Foreclosure process. Shawn always has his clients best interests at heart and mind and he demonstrates this by going above and beyond for them.

Shawn also specializes in assisting borrowers with credit issues. Equity Mainly Matters has 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.

Shawn has always provided his clients with a customized Mortgage Solution which helps solve their problems, especially when they’re stuck and require his Mortgage expertise. If a Mortgage loan offer doesn’t make sense for the borrower, Shawn will surely make you aware of this and suggest an alternative Mortgage Solution that would make the most sense for the borrower and their family.

As an alternative lending specialist, I have access to a vast variety of Mortgage lenders/Investors who will provide the borrower with several different product options regardless of the borrower’s credit and income status.

I’m a hardworking, caring, trustworthy and passionate Mortgage Agent who is well-informed and knowledgeable in all types of Mortgage Financing. I have had the pleasure of helping and approving many borrowers from all across the Province of Ontario for many different types of Mortgage loans. I have a solid plan and solution in mind for all types of challenging scenarios.

My job is to assist you to the best of my ability by going above and beyond. I will not judge you. I’m here to listen to your Mortgage inquiry and provide you with the best possible advice/assistance in order to help you overcome your financial obstacles so that you can improve your overall given situation and transition into traditional lending products as quickly as possible.

need help?

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)


Shawn is a hard-working, reliable, trustworthy, caring and passionate Mortgage Agent with many years of experience within the financial industry. Shawn will arrange for short and long term Mortgage loans that will benefit you and your family throughout your Mortgage loan term.

Shawn is a very firm believer that if there is a solid objective/plan set in motion, it will essentially help prepare and execute you and your families goals of achieving the best possible solution which makes the most sense and is most suited for you and your families overall requirements.


I’m committed to helping my clients obtain the best possible Mortgage Solution regardless of their credit, debt or income criteria. It’s a part of my job to help relieve your stress by helping you get approved for a cost-effective Mortgage while you’re experiencing difficult times.

Once I have helped you transition out of your difficult scenario, I can then transition you into a conventional Mortgage product at the best available rates.


My expertise is to help homeowners get approved for Mortgage loans after they’ve been turned down by banks and other lenders. I will assess your given situation and will execute a solid plan that will help you and your family achieve a successful winning formula which will in return help you and your family save thousands of dollars.

In October 2016, the government of Ontario introduced the new stress test rule which used to apply to insured mortgages where the borrower had less than 20% for the down payment of a home purchase.

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.

equty mainly matters logo

Helping families Dreams Become A Reality