MA Mortgage Architects — Brokerage Licence #12728  |  Paul Hunjan, Mortgage Broker #M09001187  |  FSRA Regulated  |  416-820-8601
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Hamilton & Greater Hamilton Area

Mortgage Broker Hamilton Ontario

Banks only solve 60% of mortgage situations. If you've been declined, you're behind on payments, your credit is bruised, or you're self-employed — Paul Hunjan has the lender network and 15+ years of experience to find a path forward.

Book Free Consultation 📞 416-820-8601
15+
Years placing
complex mortgages
50+
Lenders including
B & private
$0
Cost to you —
lender-paid broker
Hamilton Service Area
  • ✓ Hamilton lower city & the Mountain
  • ✓ Stoney Creek & Winona
  • ✓ Ancaster & Dundas
  • ✓ Waterdown & Flamborough
  • ✓ Binbrook & Glanbrook
  • ✓ Grimsby, Lincoln & West Niagara
  • ✓ Burlington border communities
Get Your Free Assessment →
81+
5-Star Google Reviews
48h
Private Lender Commitment
A–C
All Lender Tiers Accessed
OAC
All Rates Subject to Approval

What We Do

Mortgage Solutions for Hamilton Homeowners

Whether you're buying in Ancaster, refinancing on the Mountain, or protecting a Stoney Creek property from power of sale — Paul has the product and the lender network to close it.

🔒

Private Mortgages

Equity-based lending when A and B lenders say no. No minimum credit score. Fast closings. Ideal for bruised credit, CRA arrears, collections, or non-traditional income. OAC.

Learn more →
⚡

Power of Sale Bailout

Facing a Notice of Sale Under Mortgage? Private lenders can commit within 48 hours. Time is critical — the earlier you call, the more options you have. OAC.

Urgent help →
📉

Bad Credit Mortgages

Divorce, medical event, business failure, CRA debt — credit can be rebuilt. B-lenders and private MICs assess the full picture, not just your score. OAC.

Your options →
🏠

Second Mortgages

Access your Hamilton equity without breaking your existing first mortgage. Consolidate debt, fund renovations, bridge a purchase, or clear CRA liens. OAC.

Learn more →
💼

Self-Employed Mortgages

Hamilton's trades, contractors, and small business owners often show minimal T4 income. Paul works with stated income and bank statement programs. OAC.

Learn more →
🏗️

Refinance & Equity Access

Hamilton values rose significantly over the past decade. Turn that equity into working capital, debt consolidation, or investment funds — even with imperfect credit. OAC.

Calculate savings →
🔄

Mortgage Renewal

Don't auto-sign at renewal. Your current lender's offer is rarely the best rate available. Paul shops 50+ lenders at renewal with no cost to you. OAC.

Compare rates →
🏢

Commercial Mortgages

Office, retail, industrial, or mixed-use in the Hamilton-Niagara corridor. Including owner-occupied purchases and 100% financing solutions for qualified operators. OAC.

Inquire →
💳

Debt Consolidation

Replace high-interest credit card and line-of-credit payments with a single, lower mortgage payment. Free up monthly cash flow immediately. OAC.

See the math →

Who Can Help You

Three Lender Tiers — One Broker Covering All of Them

Most Hamilton brokers only work the A-lender channel. Paul accesses all three tiers — so if one door closes, two more stay open.

A Lenders

Big Banks & Monoline Lenders

  • Credit score 680+
  • T4 or 2-year NOA history
  • Lowest rates, longest amortizations
  • Ideal for clean applications

OAC. Rates subject to change.

B Lenders

Alternative & Trust Companies

  • Credit score 500–679
  • Stated or gross income options
  • Flexible on recent credit events
  • Bridge to A-lender rates in 1–2 years

OAC. Rates subject to change.

Private Lenders

MICs & Individual Investors

  • No minimum credit score
  • Equity-based decision
  • Commit in 24–48 hours
  • Close in 3–7 business days

OAC. Rates subject to change.

Neighbourhoods Served

Serving Greater Hamilton & Surrounding Communities

Hamilton's 2001 amalgamation created one of Ontario's largest land-area cities. Paul's lender network covers the full municipality and the communities beyond it.

Hamilton Lower City
Downtown, North End, Crown Point, Stipley, Landsdale, Beasley
The Mountain
Upper James, Meadowlands, Bruleville, Lawfield, Greeningdon
Stoney Creek
Stoney Creek proper, Winona, Heritage Green, Fruitland
Ancaster
Premium west-end community, executive homes, rural estate lots
Dundas
Spencer Creek Valley, historic downtown, conservation area proximity
Waterdown
Flamborough community, fast-growing, Burlington commuter area
Binbrook & Glanbrook
Semi-rural, acreage properties, agricultural parcels
Grimsby & West Lincoln
Niagara region border, escarpment properties, growing suburbs
MA Mortgage Architects — Paul Hunjan & Associates office, Brampton Ontario
15+
Years Experience

Why Hamilton Clients Choose Paul

Your Deal Gets Paul's Personal Attention

  • 🎯

    Complex Deals Are His Specialty

    Power of sale, CRA arrears, bruised credit, hoarding home conditions, builder closings with appraisal shortfalls — Paul has closed the files that other brokers walked away from.

  • 🤝

    Lender-Paid — No Cost to You

    As a mortgage broker, Paul's fee is paid by the lender on most transactions. You get access to 50+ lenders and 15 years of expertise at no direct cost in most cases.

  • ⚡

    Speed When It Counts

    Power of sale timelines in Ontario are unforgiving. Paul's private lender relationships can produce a commitment in 24–48 hours when the situation demands it. OAC.

  • 🛡️

    FSRA Licensed & Fully Compliant

    Operating under MA Mortgage Architects Brokerage #12728. All disclosures made. Paul is a Mortgage Broker — not a lender — and is bound by FSRA's Code of Ethics.

Book Your Free Consultation
Paul Hunjan, Mortgage Broker Hamilton Ontario

Paul Hunjan
Mortgage Broker #M09001187
MA Mortgage Architects #12728
FSRA Ontario Licensed
416-820-8601 · paul@gtamortgagesolutions.ca
256 Queen Street West, Brampton ON L6X-1B1

About Paul

15+ Years Closing the Deals Others Won't Touch

Paul Hunjan has been placing mortgages across Ontario since 2009. He built his reputation on one principle: if there is equity and a story, there is a lender. While many brokers stop at bank declines, Paul starts there.

He has closed power of sale bailouts where notice of sale had already been issued. He has financed hoarder homes with negative appraisal commentary when every private lender his clients approached said no. He has structured cross-collateral solutions on tight builder timelines. He has helped elderly couples truly understand reverse mortgages before they signed. These are not edge cases in Paul's practice — they are the practice.

Hamilton's diverse housing stock — from Century homes in the lower city to executive builds in Ancaster — presents unique appraisal and financing challenges. Paul's lender network includes specialists for rural, estate, and urban infill properties across the Greater Hamilton market.

Read Paul's Full Story

Common Questions

Frequently Asked Questions — Hamilton

Yes. Paul Hunjan is a licensed FSRA mortgage broker (Broker #M09001187) operating under MA Mortgage Architects (Brokerage #12728). He serves all of Hamilton including the lower city, the Mountain, Stoney Creek, Ancaster, Dundas, Waterdown, Binbrook, Flamborough, and Glanbrook, as well as surrounding communities in West Niagara and the Burlington border area.
Yes — this is Paul's core business. A bank decline is not the end of the road. Paul works with 50+ lenders including B-lenders and private MICs who evaluate the full picture: equity, income pattern, reason for credit events, and exit strategy. A declined A-lender application often opens a B-lender or private approval. OAC.
Yes. Many Hamilton homeowners have substantial equity built over the past decade. B-lenders and private lenders evaluate equity as the primary security — your credit history is secondary. Paul can structure a second mortgage or refinance to access that equity even with bruised credit, CRA debt, or recent missed payments. OAC. All rates subject to change.
Almost certainly yes. Hamilton has a significant self-employed trades community. Paul works with lenders offering stated income programs, gross revenue qualification, and 12-month bank statement options designed for exactly this situation. Two years of self-employment is typically preferred but not always required. OAC.
Speed is critical in power of sale situations. Paul's private lender contacts can issue a commitment in 24–48 hours and close in 3–7 business days in urgent cases. If you've received a Notice of Sale Under Mortgage, call 416-820-8601 immediately. Every day matters. OAC.
No. Initial consultations are free. On most transactions, Paul is compensated by the lender — not the borrower. On certain private or complex transactions, a broker fee may apply and will be clearly disclosed before any commitment is made, in full compliance with FSRA requirements.

Ready to Move Forward?

Get Your Hamilton Mortgage Assessment — Free

No obligation. No pressure. Just a straight conversation about what's possible given your situation. Most clients hear back within a few hours.

Book Free Consultation 📞 416-820-8601
Compliance Notice: Paul Hunjan (Mortgage Broker Licence #M09001187) operates under MA Mortgage Architects (Brokerage Licence #12728), regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Paul Hunjan is a mortgage broker, not a lender. All mortgage approvals are subject to lender qualification, appraisal, and applicable terms and conditions (OAC). Rates and programs mentioned are subject to change without notice and may not be available in all circumstances. This page is for informational purposes only and does not constitute an offer to lend. This website complies with FSRA mortgage brokering regulations and applicable Google advertising policies.