Elie Amar | Mortgage Broker in Montreal
Elie Amar

Bank Said No? Let's Talk.

Whether you're looking to consolidate debt, buy your first home, or work with alternative lenders — we find the right solution for your situation. Self-employed, tough credit, or unique file? We build a mortgage strategy that actually makes sense.

Self-Employed
Refinancing
Bad Credit
Commercial
Tax Arrears
Alternative Lending
Debt Consolidation
Private Lending

Get Your Free Consultation

Tell us about your situation and we'll find the right solution.

By submitting this form, you consent to being contacted by Elie Amar via phone, email, or text message regarding your inquiry. No obligation. Your information is kept confidential.

Thank You!

We've received your information. Elie will reach out personally within 24 hours to discuss your options.

5.0 Stars on Reviews
Our Lending Partners
CIBC
Scotiabank
TD
BMO
RBC
Desjardins
National Bank
B2B Bank
EQ Bank
Home Trust
Haven Tree
CIBC
Scotiabank
TD
BMO
RBC
Desjardins
National Bank
B2B Bank
EQ Bank
Home Trust
Haven Tree

Why Choose Us?

We go beyond traditional banking to find the right mortgage solution for your unique situation.

Alternative Lender Expertise

We work with alternative lenders that have flexible qualifying criteria — options most brokers don't even know about.

Self-Employed Friendly

No traditional proof of income? No problem. We understand self-employed finances and know which lenders accept stated income.

Commercial Solutions

From multi-unit buildings to mixed-use properties, we structure commercial mortgages through banks and alternative lenders.

Reverse Mortgages

Access your home equity without monthly payments. We help homeowners 55+ unlock the value in their property.

Fast Turnaround

Our relationships with lenders mean faster approvals and fewer delays. Most files close within 2–3 weeks.

Confidential & Professional

Your financial situation stays private. We handle every file with discretion and respect.

How It Works

Three simple steps to find the right mortgage solution.

1

Tell Us Your Situation

Fill out our quick form with your property details and financial goals. It takes less than 2 minutes.

2

We Find Your Options

Elie personally reviews your file and matches you with the best lenders for your situation.

3

Get Approved & Close

Choose the best option, get approved, and close your mortgage — often within 2–3 weeks.

What Our Clients Say

Real stories from clients across the Greater Montreal area.

"My bank turned me down because my credit wasn't perfect. Elie connected me with an alternative lender who looked at the full picture and got me approved in less than a week. I finally refinanced my triplex and lowered my payments by $400 a month."

PG

Patrick Gauthier

Triplex Owner, Verdun

"As a self-employed contractor, getting a mortgage felt impossible. Elie found a lender that accepted my stated income and I closed on a commercial unit for my business in three weeks. Incredible service."

NL

Nadia Lavoie

Self-Employed, Brossard

"My wife and I are both retired and wanted to access equity in our home without selling. Elie walked us through the reverse mortgage process step by step. We felt completely at ease and now have the financial freedom we needed."

RD

Robert Desjardins

Homeowner, Pointe-Claire

Frequently Asked Questions

Common questions about alternative lending and our services.

An alternative lender is a regulated financial institution that offers mortgage products with more flexible qualifying criteria than traditional banks — such as lower credit score requirements, alternative income documentation, and higher loan-to-value ratios. They are fully regulated and insured, making them a reliable option for borrowers who don't meet the strict guidelines of major banks.
Yes. Many alternative lenders accept stated income applications, meaning you can qualify based on reasonable income declarations rather than traditional T4 slips or Notices of Assessment. We work with lenders who understand that self-employed individuals often show lower taxable income on paper than they actually earn. We'll match you with the right lender based on your specific situation.
We finance a wide range of commercial properties including multi-family residential buildings (5+ units), mixed-use properties (commercial on the ground floor with residential above), retail spaces, office buildings, and light industrial properties. Whether you're purchasing, refinancing, or expanding, we can structure the right commercial mortgage for your needs.
A reverse mortgage allows homeowners aged 55 and older to access up to 55% of their home's appraised value in tax-free cash — without making any monthly mortgage payments. The loan is repaid when you sell the home, move out, or pass away. You retain full ownership and can continue living in your home. It's an excellent option for supplementing retirement income, covering healthcare costs, or helping family members financially.
No. Your initial consultation with us does not involve a credit pull. We only check your credit with your explicit permission if you decide to move forward with a formal application. The consultation itself is completely free and has no impact on your credit score.
Alternative lender rates are typically slightly higher than traditional bank rates — usually 0.5% to 2% more, depending on your credit profile, property type, and loan-to-value ratio. However, the qualifying criteria are much more flexible. For many borrowers, an alternative lender mortgage is a stepping stone: improve your credit or financial situation over the term, and then transition back to a traditional bank at renewal for a lower rate.
Elie Amar, Mortgage Broker

Self-Employed? Bad Credit? There Are More Options Than You Think.

Whether you need an alternative lender, a commercial mortgage, or a reverse mortgage — we’ll find the right path forward. Talk to a specialist today.

Get My Free Consultation Call (438) 533-6955

Get Your Free Consultation

Tell us about your situation and we'll find the right solution.

By submitting this form, you consent to being contacted by Elie Amar via phone, email, or text message regarding your inquiry. No obligation. Your information is kept confidential.

Thank You!

We've received your information. Elie will reach out personally within 24 hours to discuss your options.