Private Mortgage Financing
Approved in Hours, Not Days
Ontario Mortgage & Lending Team
Saminder Juneja, Mortgage Broker — Mortgage Centre Canada (independently owned and operated), Get A Better Mortgage Inc. (FSRA #10874) — provides all mortgage services on this website. Serving Toronto, Hamilton, Burlington and communities across Ontario.
Fixed mortgage rates just went up again — what to do before Oct. 28.
Which of these is your file?
Pick the one that sounds like you. Send us your details, or read the page that actually applies.
Want a second mortgage or a line of credit short term, without breaking your first? Second mortgages
Financing a commercial or multi-unit property? Commercial mortgages
Mortgage options and practical guides
Mortgages are one part of The Juneja Group. Start with a service comparison or learn from a focused guide.
Trusted by 500+ Families Across Ontario
What Our Clients Say
"I had the pleasure of working with Sami. Nothing bad to say. Very helpful and I highly recommend him and his team."
Matej Fabjan
"I am a first time homebuyer and Sami is the best broker. He is very professional, punctual as well as very reassuring. As a first time homebuyer, you become very anxious at times but he makes things very easy and calming. I highly recommend him."
Damien
Our Lending Programs
Solutions for Every Situation
Whether you're buying, refinancing, or need equity access, we have a private mortgage solution for you.
Bridge Financing
- 24-48 hour approval
- Up to 75% LTV
- No prepayment penalty
Seniors 55+
- No monthly payments
- Stay in your home
- Tax-free funds
Self-Employed
- No T4s required
- Business for 2+ years
- Flexible documentation
Commercial
- $500K - $10M+
- Multi-unit specialists
- Construction loans
Simple 4-Step Process
How It Works
From application to funding in as little as 48 hours. Our streamlined process makes getting a private mortgage simple.
Apply Online
Complete our simple 5-minute application. No credit check required to get started.
Quick Consultation
A mortgage specialist will call you within 24 hours to discuss your options.
Get Approved
Receive approval within 24-48 hours. We specialize in approving what banks can't.
Get Funded
Funds deposited directly to your account or lawyer. Fast, simple, done.
Tariffs, Once Again — And What It's Doing To Your Rate
Bond yields rose after the trade talks collapsed and fixed rates followed by 5–10 bps. Plus CREA's fourth straight monthly gain, CMHC's outlook to 2028, and two closed files — a first-time buyer paired with a HELOC and a $1.4M construction bridge at 1% per month.
Canadian Banks Post Real Losses, But Is It Doom and Gloom?
Two Canadian banks posted real net losses this year. Sami Juneja breaks down what that actually means for mortgage rates, credit availability, and whether borrowers should panic or plan.
Why Choose The Juneja Group
Private Mortgage Solutions Tailored to You
When traditional banks say no, we say yes. With over 10 years of experience and $500MM+ in funded mortgages, we've helped thousands of Ontarians access the financing they need.
Fast Approvals
Get approved in 24-48 hours. We move fast because we understand time-sensitive deals.
Bad Credit Welcome
Credit challenges? No problem. We focus on your property equity, not your credit score.
Self-Employed Friendly
No T4s required. Perfect for business owners and freelancers.
Up to 75% LTV
Access more of your home equity. Higher loan-to-value ratios than traditional lenders.
Expert Guidance
Work directly with experienced mortgage professionals who care about your success.
Flexible Terms
Short-term bridge loans to long-term solutions. Customized to fit your situation.
Straight Answers About Our Mortgage Solutions
The same questions borrowers ask us every day — answered in plain language.
Four steps to the right solution — pick a path, choose your service, learn, and request a callback.
PIPEDA-compliant intake. Your details are only used to help match you to the right team.
Two Services, One Platform
The Juneja Group offers professional property management services across Ontario.
Saminder Juneja, Licensed Mortgage Broker (operating under Get A Better Mortgage Inc., FSRA #10874 | Mortgage Centre Canada - Independently Owned and Operated) provides all mortgage-related services featured on this website.
Professional Mortgage Funding Across Ontario
We say YES when it makes sense. - For EVERYONE
Expert structuring for non-traditional borrower profiles including Senior Citizens, Self-employed professionals, corporate entities, and borrowers with complex income verification requirements.
Why Banks Say No (But We Say Yes)
Professional solutions for complex financial needs
Trusted by Families Across Ontario
What Our Clients Say
"I had the pleasure of working with Sami. Nothing bad to say. Very helpful and I highly recommend him and his team."
Matej Fabjan
"I am a first time homebuyer and Sami is the best broker. He is very professional, punctual as well as very reassuring. As a first time homebuyer, you become very anxious at times but he makes things very easy and calming. I highly recommend him."
Damien
Don't Just Sign. Understand.
Most borrowers aren't told the true cost of their mortgage — until it's too late. We walk you through the real numbers, risks, and what to avoid.