How do we work with agents and brokers

We are a direct lender

Sigma Mortgage has funds for direct lending, across a variety of sweet spots.

We help mortgage brokers to place a file

Some mortgage brokers specialize in “A” clients or “Bank” mortgages and simply do not know where to place a mortgage or how.

Full end-to-end support

Some mortgage agents and brokers are not licensed to discuss private lending – or they are focused on “A” business with the banks.

Sigma Mortgage can help to

  • Find the lender
  • Represent the borrower (If required)
  • Ensure suitability with the borrower
  • In other words, we can manage the end-to-end process from application to funding and pay you.

Mortgage Agent and Broker Education

a. Are you a mortgage broker, Realtor, or finance professional? Book an introduction to private lending meeting for your office today.

b. We can share updates highlighting trends, insights, common mistakes from the perspective of the lender, borrower and mortgage agent/broker

Know About Sigma

Welcome to Sigma Mortgage, your trusted partner in private lending solutions. With a commitment to providing flexible, tailored financial solutions, we serve both mortgage brokers and borrowers across Ontario, British Columbia, Alberta and Nova Scotia. Whether you’re seeking short-term financing or unconventional mortgage options, we offer competitive and efficient lending services that go beyond traditional banks.

Who We Are

At Sigma, we are a team of experienced professionals with deep expertise in the Canadian real estate market and private lending. Our approach is simple: we listen to your needs and craft a financing solution that aligns with your goals. Whether you’re facing time constraints, need a custom solution for an unconventional property, or navigating complex financial situations, we’re here to help.

Why Choose Us?

Local Expertise

We have a deep understanding of the real estate market and work closely with brokers and borrowers to ensure successful outcomes.

Flexible Solutions

Unlike traditional lenders, we specialize in offering financing options tailored to your unique needs, even when time is of the essence.

Fast Approvals

We streamline the approval process, making it easier for you to access funds when you need them most.

Strong Relationships

We pride ourselves on the lasting relationships we build with both brokers and borrowers, ensuring trust and reliability in every transaction.

What We Offer

Residential and Commercial Mortgages

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Bridge Financing

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Equity Take-Outs

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Construction Financing

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Second Mortgages

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Land Development Loans

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Fast closings

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Deposit financing (purchases)

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Fast funds for pre-sale (staging / cleaning / renovations)

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Jumbo mortgages ($2MM-$10MM)

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Open terms

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Longer-term financing (2-years or more)

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Private lending behind reverse mortgages

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Rapid Quote Form:

Do you have a specific property in mind?

Investors and private lenders

We are working with experienced, high-net worth private lenders to help them place their funds into mortgage investments

-If you are interested in learning more about private lending options, book a time at:

Recently Funded Mortgages

Senior’s Quick Cash for Business Boost

  • WHO: Senior citizen with low income & entrepreneur (no income documentation)

  • WHAT: Second mortgage on a luxury home for $1MM at ~70% LTV

  • WHERE: North York

  • WHEN: Fast closing

  • WHY: To fuel his business

  • OTHER: No income documents; site visit conducted (no appraisal required)

Flipper’s Fast Fixer-Upper Fund

  • WHO: Property flipper with minimal down payment

  • WHAT: Purchase AND construction – first mortgage at 80% LTV for $1MM

  • WHERE: Toronto

  • WHEN: Purchase closing in 7 days+

  • WHY: To renovate and sell

  • OTHER: Construction draw mortgage with favorable terms

Divorce Dilemma: Cash for a Fresh Start

  • WHO: Husband and wife getting divorced

  • WHAT: Second mortgage behind a large first mortgage on a luxury home (orphan home) for $100K at ~65% LTV

  • WHERE: Milton

  • WHEN: Refinance 10 days

  • WHY: Cash flow and funds for family lawyers

  • OTHER: Fully open as property was listed for sale (no appraisal required), behind a large first mortgage

Pour Decisions: A Winery’s Cash Flow Rescue

  • WHO: Commercial winery

  • WHAT: Refinance for cash injection into business and sale for $3M

  • WHERE: Northern Ontario

  • WHEN: Refinance closing in 30 days+

  • WHY: Cash infusion into the business

  • OTHER: Commercial property with low documentation requirements