When North York homeowners and investors hit a wall with their bank — bad credit, self-employment, power of sale, second mortgage — Paul Hunjan finds a path forward. 15+ years. 50+ lenders. Complex deals done.
Tell Paul your situation. He reviews every submission personally.
No obligation. No call centres. Paul responds personally.
North York is one of Canada’s most active real estate markets — but it’s also one of the most complex to finance. Condo valuations, high-rise lending restrictions, Port Credit luxury pricing, and investor portfolios all create situations where standard A-lender approval isn’t a given.
Paul Hunjan is a mortgage broker based minutes from North York in Brampton, operating under MA Mortgage Architects. He’s built a practice around the cases that don’t fit the bank’s credit grid: private mortgages, second mortgages, power of sale situations, self-employed borrowers, bad credit approvals, and complex investment portfolios.
His access to 50+ lenders — including B-lenders and private mortgage investment corporations (MICs) — means there’s almost always a path forward, even when your bank has already said no.
Start a Free Assessment →“My wife and I were looking for a second mortgage for a property in Brampton. Our traditional bank was giving us nothing but headaches. Paul was able to get us what we needed in a short time and with very good rates. We would recommend Paul to anyone who is looking for mortgage help.”
From first-time buyers to seasoned investors, from conventional approvals to complex bailouts.
Bank declined? Income hard to prove? Private lenders evaluate your equity and property, not just your credit score. Fast approvals, flexible terms. OAC.
Facing power of sale in North York? Time matters. Paul can source emergency private financing to stop the process and give you breathing room. OAC.
North York home equity is substantial. A second mortgage lets you access it without breaking your first. Debt consolidation, renovations, investment capital. OAC.
Roll high-interest credit cards, lines of credit, and car payments into a single lower-rate mortgage payment. Often cuts monthly obligations significantly. OAC.
T4 doesn’t reflect your income? Stated income programs exist. Paul works with lenders who understand business owners, contractors, and commission earners. OAC.
Your bank’s renewal offer is almost never their best rate. Start shopping 120 days early — Paul can often save North York homeowners thousands at renewal. OAC.
Pull equity, lower your rate, or restructure debt at renewal or mid-term. North York property appreciation has created significant equity positions for many homeowners. OAC.
Rental properties, multi-unit, BRRRR strategy. North York’s rental market is strong. Paul structures investment financing that preserves cash flow. OAC.
Office, retail, industrial, mixed-use in North York. Commercial underwriting is deal-by-deal. Paul has relationships with commercial lenders who understand the GTA market. OAC.
Paul serves every North York community, from the lakeshore to the 407 corridor.
Your bank has one product shelf. Paul accesses chartered banks, credit unions, trust companies, B-lenders, and private MICs — and finds what actually fits your file.
Power of sale, bad credit, self-employment income, recent bankruptcy, CRA debt, non-resident — Paul has structured these files when other brokers passed.
You deal with Paul — not an assistant, not a call centre. For North York clients with urgent situations, this matters. He answers evenings and weekends.
On most conventional and private mortgage transactions, Paul is compensated by the lender — not the borrower. You get expert advice without paying a fee out of pocket.
Condo financing rules, high-rise restrictions, Port Credit luxury values, Hurontario corridor investment — Paul understands the nuances of the North York property market.
Paul holds a Mortgage Broker licence (not agent), FSRA #M09001187, under MA Mortgage Architects Brokerage #12728. Fully regulated, fully accountable.
Every mortgage situation is different. A quick call with Paul will tell you what’s possible for your specific property and circumstances.
📞 416-820-8601Bank declined, renewal coming up, or just want to know your options? Paul gives you a straight answer — no sales pitch, no runaround.