why Choose

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. Our company has many years of experience within the Mortgage industry.

We provide our clients with many great Mortgage Solution products that helps achieve their short and long term goals. We always ensure our clients receive the best service regardless of their given unique financial situation.

Equity Mainly Matters has access to over 200+ Lenders therefore, making it easier for our company to approve our clients Mortgage loan requests.

We assess our clients Mortgage needs and help pair them up with Lenders that would be most suited and beneficial for them.

We approve our clients Mortgage loan requests with the lowest rates and fees and best terms, even in today’s competitive market.

We assist all types borrowers, regardless of their credit or income level.

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’re well known in the industry for approving our clients Mortgage loan requests within 24 hours.

It can generally take up to 1 week to close and get funded however, we offer urgent closing timeframes of 2-3 business days for clients in need of urgent funding.

We always have a solid plan in effect, as well as a great Mortgage Solution product in place that would be most suited and beneficial for our clients short and long term financial goals.

Our objective is to help our clients repair and rebuild their credit situation and score. This will then help us transition our clients back into low rate Institutional (bank) Mortgage Solution products again.

We have a great Mortgage Solution product available for all types of borrowers, regardless of their income or credit level.

We’re a highly motivated and driven team of Mortgage Professionals with many years of experience within the Mortgage industry. We have helped many clients over the years transition from a bad credit borrower to a great credit borrower.

We help our clients achieve success by helping them save their hard-earned money from paying high interest lenders and creditors. This helps our clients eliminate unnecessary stress.

Achieving this level of success, motivates and drive us to continuously push for more successful 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 any of our Social Media platforms.

We are also committed to social responsibility and believe that our financial health goes hand-in-hand with our social and charitable responsibilities. Through our social responsibility program, we donate a portion of our profits to local charities that support affordable housing, education, and environmental protection.

We’re a friendly, trustworthy, reliable, caring and passionate Mortgage team with many years of experience within the financial industry. You can always count on us to get the job done for you.

We ensure all of our client’s Mortgage loan inquiries are responded to in a time efficient manner. Will help get your Mortgage loan request approved, especially when you’re stuck and require our professional Mortgage expertise.

need help?

Home Equity Loans Approved In Less Than 24 Hours!

Borrow against the equity of your Property
BAD CREDIT? WE CAN HELP!
FAST APPROVAL & CLOSING!
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Services Provided

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A & B Lender

Private Lender

Private Mortgage

Mortgage Broker

Home Purchase Mortgage

First Mortgage (1st Mortgage)

Second Mortgage (2nd Mortgage)

Refinance

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 85% 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)

JACOB FOURNIER
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.

PATEL SINGH
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.

LINA ZHANG
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.

LEROY WILLIAMS
Scarborough

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!

MICHELLE PARKER
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.

SHAYNE STANLEY
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.

FATIMA NASER
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.

BEN JOHNSON
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.