MA Mortgage Architects — Brokerage Licence #12728  |  256 Queen Street West, Brampton, ON L6X-1B1
Brampton · Mississauga · All of Ontario

Your Bank Said No.
We Say
Let's Talk.

Complex income, past credit issues, power of sale — we've placed mortgages in every scenario. Brampton's trusted broker for the deals others won't touch.

Get a Free Assessment 📞 416-820-8601
15+
Years in the
mortgage industry
50+
Lender
relationships
5.0
Google
review rating
★★★★★ 5.0 · Google Reviews
MA Mortgage Architects — Brokerage #12728
50+ Lenders — A, B & Private
5.0 / 5 — Google Reviews
Private Mortgage — 3–7 Day Close
Who We Help

The Borrowers Banks
Turn Away.

Canada's A-lenders approve straightforward files. They are not designed for complexity. After 15+ years, complex is exactly what I do.

"If you've been told no by your bank, that's one data point — not a verdict. Let's look at the full picture."

— Paul Hunjan, Mortgage Broker
!

Power of sale notice

Private funding in 3–7 days. Every day counts — contact us today.

✕

Bank declined you

One no isn't final. 50+ lender options including B-lenders and private capital.

S

Self-employed income

We underwrite your actual income, not just line 150. All income types considered.

C

Credit issues or bankruptcy

Private and B-lender solutions exist. Every file assessed on its own merits.

+

Construction financing

Draw facilities, land loans, builder mortgages that advance with your project.

M

Commercial & investment

Mixed-use, retail, multi-family — complex income-producing properties.

Services

Every Mortgage Type.
One Specialist.

Request a Free Assessment →
01

Private Mortgages

Equity-based lending for when income, credit, or timing rules out institutional options. 1st and 2nd position.

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02

Power of Sale Bailouts

Emergency funding to pay arrears and stop a power of sale before you lose your property.

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03

Second Mortgages

Unlock equity without disturbing your first mortgage. Debt consolidation, renovations, investment capital.

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04

First Mortgages

Purchases, renewals, and refinances. A-lenders, B-lenders, and credit unions matched to your situation.

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05

Construction Financing

Draw-based facilities for custom builds, major renovations, and new construction projects across Ontario.

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06

Commercial Mortgages

Investment properties, mixed-use, retail plazas. Term, bridge, and CMHC insured commercial.

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07

Debt Consolidation

Roll high-interest consumer debt into your mortgage. Lower your monthly obligations significantly.

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08

Reverse Mortgages

55+ homeowners access tax-free equity with no monthly payments. Stay in your home, access your wealth.

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09

Renewals & Refinancing

Your renewal is a negotiation, not a formality. I compare across lenders before you sign anything.

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10

Mortgage Refinance

Access your home equity, lower your rate, or restructure your debt. Strategic refinancing built around your goals.

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11

Farm & Agricultural Mortgages

Financing for working farms, rural properties, and agricultural land across Ontario. Specialized lenders who understand farming income.

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12

Self-Employed Mortgages

Business owners and sole proprietors approved on stated income, bank deposits, or NOA. No T4 required for many programs.

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The Process

Problem to Approval
in Three Steps

1

Free Assessment Call

No forms, no credit pull, no commitment. Tell me your situation and I'll give you an honest read on your options — usually within the same day.

↳ Same-day callback available
2

Lender Matching

I present your file to the right lenders for your situation — not just who will approve you, but who offers the best terms given your timeline and goals.

↳ 24–72 hours for most decisions
3

Close & Move Forward

Legal coordination, closing support, and an exit strategy built in from day one. For private mortgages, we plan the transition back to institutional lending upfront.

↳ Private mortgages: 3–10 days to close
Client Stories

Real Deals. Real Results.

★★★★★
"
Paul provided us with excellent service and somehow found us a mortgage where others could not. We had bad credit and were lost, Paul came to the rescue and we could not be happier. Thanks Paul.
FJ
Frank & Jean
Brampton, ON
Bad Credit Mortgage
★★★★★
"
As a single mom with poor credit it was frustrating dealing with my bank. I came across Paul's website, contacted him and have never looked back. Paul was very patient, explained things in detail to me and I finally got the mortgage I deserved.
S
Sarah
Newmarket, ON
First Mortgage · Bad Credit
★★★★★
"
My wife and I were looking for a second mortgage for a property in Brampton. Our traditional bank was giving us nothing but headaches so we turned to Paul and he was fantastic!
TD
Tim & Donna
Brampton, ON
Second Mortgage
Read All 80+ Reviews →
Paul Hunjan — Mortgage Broker, Brampton ON
About Paul Hunjan

The Broker Who Takes
the Files Others Won't.

MA Mortgage Architects #12728 Broker #M09001187 15+ Years Experience Private Mortgage Specialist

I started in mortgages because I believed the system could work for more people than the banks suggested. Fifteen years later, that belief is still what drives me. I take the files that other brokers pass on — the self-employed borrower with three different income sources, the homeowner who got a power of sale notice on a Friday, the investor who needs to close a commercial deal in two weeks.

"If I can't help you, I'll tell you why — and try to point you somewhere that can. No false promises."

Based in Brampton, I serve clients across Ontario. My network spans A-lenders, B-lenders, credit unions, trust companies, and private mortgage investment corporations (MICs). When one lender says no, I know which doors are still open and how to present your file to walk through them.

My approach is direct: I'll tell you exactly what your options are, what they cost, and what the exit looks like. No surprises at the lawyer's office.

Paul Hunjan
Mortgage Broker · FSRA Licence #M09001187
Operating under MA Mortgage Architects, Brokerage Licence #12728
Common Questions

Answered Plainly.

Have a specific question? Most people find it faster to just call. I pick up.

📞 Call Paul — 416-820-8601
A bank mortgage is approved based primarily on credit score, income documentation, and debt ratios under OSFI guidelines. A private mortgage is approved based largely on the property's value and available equity — which means borrowers who don't fit the institutional criteria often qualify when they can't get a bank mortgage. Private mortgages carry higher rates and are designed as short-term (1–3 year) bridges while you improve your position to transition back to institutional lending.
Speed is everything. With private mortgage funding, we can often commit within 24–48 hours and close in 3–7 business days, depending on the lender and title clarity. The earlier you call, the more options you have. If you're past the redemption period, options narrow significantly — don't wait.
For A-lender and B-lender mortgages, my compensation comes from the lender — no direct broker fee to you. For private mortgages, lender fees and broker fees apply and are disclosed in full, in writing, before you commit to anything. You'll know the complete cost before signing.
In many cases, yes. Private lenders place more weight on property value and available equity than credit score. A beacon below 600 eliminates most bank options but not all options. The key questions become: how much equity do you have, what is the property worth, and what does the income picture look like? Have that conversation before assuming it's a no.
This is one of the most common files I work with. Stated income programs, bank statement programs, and alt-lender programs exist specifically for business owners. In many cases, we build the income picture from a combination of corporate financials and personal bank deposits — what the bank looks at vs. what actually flows through your account are often very different numbers.
Based in Brampton, primarily serving Peel Region (Brampton, Mississauga, Caledon) and the GTA (Toronto, Vaughan, Richmond Hill, Markham, Oakville, Burlington). For commercial mortgages, construction, and private mortgages, I work across Ontario. Most client conversations happen by phone or video — location is rarely a barrier.
Get Started

Free Assessment.
No Credit Check Required.

Most clients hear back within 60 minutes during business hours. Tell me the situation and I'll tell you what's possible.

🔒 Confidential. No commitment. No credit check to start.

Ready to Move Forward?

The only way to know what's possible is to have the conversation. No cost, no commitment, no credit check to start.

Get a Free Assessment 📞 416-820-8601
Chat with Paul Usually responds within minutes