Case studies

The files banks said no to — and how we funded them.

Knowledge is one thing; experience is another. These are worked examples of real-world Canadian mortgage situations we solve every week — self-employed income, bruised credit, no Canadian credit history, CRA debt, and investment files — with the structure and the numbers that made each one work.

Each scenario is illustrative and anonymized — representative of the files we fund, not a named-client testimonial. Figures reflect 2026 conditions; your outcome depends on your situation.

Self-employed Mississauga, ON

Self-employed and declined by the bank — funded a $760K purchase at A-lender rates

An incorporated consultant whose tax return understated her real income was declined by her bank — we documented business-for-self income and funded at A-lender pricing.

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Bruised credit Scarborough, ON

Approved 14 months after a consumer proposal — without waiting for full discharge

A couple who'd completed a consumer proposal 14 months earlier bought before the standard two-year wait, using a B-lender bridge and an exit plan to A pricing.

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Newcomer North York, ON

New to Canada with no credit history — into a condo with 5% down

A permanent resident with no Canadian credit history bought a $620K condo using a lender newcomer program, alternative credit references, and the minimum down payment.

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Debt consolidation Brampton, ON

$80K of high-interest debt wiped out with a refinance — ~$1,900/mo of cashflow freed

A homeowner buried in 19-22% revolving debt used home equity to consolidate $80,000 at 5.49%, cutting monthly obligations by roughly $1,900.

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CRA / tax debt Ottawa, ON

Cleared $65K of CRA tax debt with home equity — before a lien was registered

A self-employed contractor with $65,000 in CRA arrears used home equity to pay the balance in full, avoiding a lien, then set a path back to A-lender pricing.

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Investment Hamilton, ON

First rental property funded using home equity — a cash-flowing Hamilton duplex

A homeowner tapped equity in their principal residence for the down payment and used a rental-friendly lender to buy a cash-flowing duplex.

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Your file is our next case study.

Declined, self-employed, rebuilding credit, new to Canada, or just want the sharpest rate — tell us your situation and we'll map your options. Free, and no credit pull to start.

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Illustrative case study. Details are representative of the types of files Mortgage Squad Advisors funds and have been anonymized — no client names or identifying information are shown. Rates, products, and approvals depend on your individual situation and lender criteria at the time of application. Figures reflect 2026 market conditions and are examples, not guarantees of outcome.