Toronto's real estate market is the most competitive in Canada. Whether you're buying a condo downtown, refinancing a semi in Scarborough, stopping a power of sale in Etobicoke, or pulling equity from a North York investment property — Paul Hunjan closes deals that bank branches can't.
Tell Paul about your situation — no obligation, confidential.
FSRA regulated. Your information is kept strictly confidential. OAC.
Toronto is Canada's most complex mortgage market. Sky-high valuations, strict stress test rules, condo-specific lender restrictions, assignment deal challenges, multi-unit investment properties, and the sheer volume of self-employed and new-to-Canada borrowers all require a broker who has navigated these exact scenarios — not a branch manager following a script.
Paul Hunjan has been brokering complex GTA deals since 2009. He operates under MA Mortgage Architects — one of Canada's most respected brokerage networks — with direct access to over 50 lenders: A-lenders, B-lenders, credit unions, MICs, and private capital. When your bank says no, Paul finds who says yes.
Whether you're in a power of sale situation in Etobicoke, trying to qualify as a self-employed contractor in North York, or refinancing a condo portfolio in the downtown core, Paul structures deals that work — and closes them fast.
"We were in a power of sale situation on our Scarborough home and thought we'd lose everything. Paul stepped in, found private financing within 48 hours, and we kept our house. He's the real deal — calm, fast, and no judgment. Couldn't be more grateful."
Toronto borrowers face unique challenges. Paul has structured solutions for all of them.
Declined by your bank or B-lender? Private mortgages fund quickly with flexible qualification — credit score, income, or property condition. Available across Toronto and the GTA. OAC.
Facing power of sale proceedings on your Toronto home? Paul has stopped foreclosures in Scarborough, Etobicoke, North York, and across the GTA. Don't wait — time is critical. OAC.
Toronto's home equity is substantial. A second mortgage lets you access that equity without breaking your first mortgage. Useful for debt consolidation, renovations, or investment. OAC.
Roll high-interest debt into your mortgage at a fraction of the rate. Toronto homeowners with equity can reduce monthly obligations significantly. Paul structures these deals regularly. OAC.
Toronto's entrepreneurial economy means thousands of self-employed borrowers struggle with bank qualification. Paul accesses lenders who use stated income, gross revenue, or bank statement programs. OAC.
Toronto investment properties — condos, duplexes, triplexes, student rentals — need lenders who understand rental income. Paul structures DSCR-friendly deals that banks often won't touch. OAC.
Pull equity, lower your rate, or restructure your debt. Toronto's property values give homeowners serious refinancing power. Paul evaluates every scenario to maximize your outcome. OAC.
Mixed-use, retail, industrial, or multi-residential in Toronto. Commercial lending is relationship-driven and deal-specific. Paul's lender network covers Toronto's diverse commercial landscape. OAC.
Never accept your bank's first renewal offer. At renewal, you can switch lenders without penalty. Paul shops the market across 50+ lenders to find you a better rate and terms. OAC.
Paul serves all 140+ Toronto neighbourhoods and the surrounding GTA municipalities.
Also serving: Brampton, Mississauga, Vaughan, Markham, Richmond Hill, Ajax, Whitby, Oakville, and all of Ontario for private mortgage transactions.
15+ years closing GTA deals across every property type: pre-con condos, detached homes, duplexes, triplexes, mixed-use, and commercial. Toronto's unique lender restrictions are second nature to Paul.
No call centres, no junior assistants. You deal directly with Paul. Urgent situations — power of sale, bridge financing, assignment closings — get same-day responses.
A-lenders, B-lenders, credit unions, MICs, and private capital — Paul's lender network covers every credit profile, income type, and property category Toronto deals require.
Toronto's real estate moves fast. Paul closes conventional deals in 5–10 business days and urgent private mortgage situations in as little as 3–5 business days when the file is complete. OAC.
Bad credit, power of sale, non-resident, self-employed, multiple properties, construction — Paul specializes in the scenarios bank branches decline without explanation.
Licensed Mortgage Broker #M09001187 under MA Mortgage Architects (Brokerage #12728). FSRA regulated. Full duty of care and professional compliance on every transaction.
Common questions from Toronto homeowners and buyers about working with a mortgage broker.
Ask Paul DirectlyNo obligation. No credit check required to start. Paul will review your situation personally and give you a straight answer.
Bad credit, self-employed, power of sale, multi-unit, pre-construction assignment, private mortgage — if a bank said no, call Paul before you give up.