The Spectrum-Canada group of companies (“Spectrum”) is a Canadian financial intermediary, mortgage broker and lender with a unique skill set in the Canadian mortgage market. That skill set is anomalous expertise in the area of non-conventional mortgage lending.

A non-conventional mortgage is defined, in its simplest form, as a mortgage for a borrower that does not meet normal bank or credit union lending criteria. This may be due to the fact that they are self-employed and have difficulty ‘proving’ income, require higher loan-to-value or debt service ratios than the more conservative lenders can approve or because they have poor credit (known as sub-prime). It may also be a combination of these factors.

Spectrum’s focus on the non-conventional mortgage market segment for the last 7 years and the experience and expertise gained in this area has allowed the company to form Origination Partner relationships with more than 80 banks and credit unions across the country enabling financial institutions to refer their clients for mortgage assistance when the mortgage falls outside of the institution’s own lending guidelines. The company’s proven track record of experience and expertise in this area can be seen by viewing the financial institution testimonials on this website.

To download an overview of our Company. Please click on the attached download link to view our brochure.

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