Canada Mortgage and Financial Group

Canada Mortgage and Financial Group BROKERING & LENDING: Bank, Alternative, 1st and 2nd Private Mortgages!

💰 Residential and Commercial Mortgages including Land and Construction Loans.

Principal Broker: Ameera Ameerullah

www.CMFG.ca
Brokerage 12655 I Admin 12874 Canada Mortgage and Financial Group (CMFG) is a multiple award winning independent mortgage brokerage and lending firm with a specialized focus on 1st and 2nd mortgages primarily on residential and commercial asset class, construction loans and bridge financing. We have the ability to secure the most affordable solutio

n for our clients given our discounted brokers rate , no brokerage fee and our established rapport with lending partners from the ( banks) A and B side. We believe in educating individuals and families on managing their finances, establishing and maintaining good credit, investing in real estate, and increasing their personal net worth. CMFG also works closely with developers , architects and builders in completing development transactions from land acquisition to development to construction and take out. In addition to the above, investors have the opportunity to invest and own shares in CMFG Fund while earning an annual target return of 8%. CALL US TODAY!! [email protected] I www.cmfg.ca

Tel: 647-494-9885 I Fax: 647-494-9923 | Toll free 1-888-501-2076

FSRA M09001854 | Brokerage 12655 | Admin 12874

Many borrowers find it difficult to qualify for a mortgage due to the stringent credit and debt ratio requirements so th...
07/02/2026

Many borrowers find it difficult to qualify for a mortgage due to the stringent credit and debt ratio requirements so this is a great option to help with your mortgage approval.

NO MINIMUM CREDIT SCORE FOR THIS PRODUCT WITH TERM: 1 to 5 Years!

✅ Easier to qualify now for a mortgage with this option of up to 35 year amortization!

✅ Borrow up to 80% Loan Amount on your Purchase or Refinance

✅ No minimum credit score required

✅ Lender fee only 1% of the loan amount you borrow

✅ Approval within few hours to one business day

🔑 Quick Closing on residential purchase or refinance

🚫 No broker fee for our service and we’re just an email or call away!

CALL PRINCIPAL BROKER Ameera Ameerullah to discuss your mortgage options!

📞 Tel: 647-494-9885 ext 107
Cell: 647-242-9814
Email: [email protected]

🌐 www.CMFG.ca

Borrowers often prefer mortgages from banks due to lower interest rates and no lender fees. However, many don’t meet the...
05/18/2026

Borrowers often prefer mortgages from banks due to lower interest rates and no lender fees. However, many don’t meet the traditional debt servicing ratio requirements of GDS/TDS 39/44 given their income and the mortgage amount.

For rental properties or self-contained basement units, banks typically rely on a rental worksheet or a 50% addback of rental income or fair market rents when no lease is available.

We have a better solution for purchasing or refinancing residential owner-occupied or rental properties in Ontario!

Our approach allows for a 90% offset of rental income instead of the standard addback for both subject and non-subject properties, significantly improving your chances of qualifying for a higher borrowing amount. Additionally, we can extend your debt servicing ratio to 40/50 GDS and TDS without any rate premium!

Minimum Credit Score Required: 600
No Broker Fee! Known for our quick response turnaround.

Contact our Principal Broker, .ameerullah today to explore your options!

CALL NOW!
Office: 647-494-9885 ext 107
Cell: 647-242-9814
Email: [email protected]

Visit us at www.CMFG.ca
Brokerage 12655 | Administrator 12874

Sai Dham Food Bank charity gala serves not only as a fundraiser but as a CALL TO ACTION for individuals and organization...
02/18/2026

Sai Dham Food Bank charity gala serves not only as a fundraiser but as a CALL TO ACTION for individuals and organizations to unite in the fight against hunger.

Every dollar raised through this gala enables us to provide meals to those in need, support our food distribution programs, and create educational initiatives on nutrition and self-sufficiency.

By providing access to nutritious meals, we strive to improve overall well-being and promote a culture of community support in Service to Humanity.

We really need your help to keep the doors of open 24/7. We cannot continue this mission without your support. Your donation plays a crucial role in sustaining and expanding our efforts as the need continues to grow.

🙏 PLEASE HELP US.

To Sponsor our 2nd charity gala, please contact
Pushkar 📞 647-552-3234 OR
📧 [email protected]

🎟️ To buy your tickets, visit
https://saidhamfoodbank.com/annual-gala/

📅 Event Date: March 14, 2026

✔️Down Payment Rule for RESIDENTIAL Purchase: 1. Price 500,000 or less, Minimum 5% down payment. So for example if your ...
02/10/2026

✔️Down Payment Rule for RESIDENTIAL Purchase:

1. Price 500,000 or less, Minimum 5% down payment. So for example if your purchase price is $500,000 , the minimum downpayment required is $25,000 OR assume your purchase price is $400,000 then the minimum downpayment required $20,000.

2. Price above $500,000 to $1,499,000 , downpayment is 5% on the first $500,000 and 10% on the remainder $999,000. So in this case, the required downpayment $124,900.

3. Price above $1,500,000 or more, Minimum 20% downpayment required.

✔️CLOSING COSTS: Typically most lenders need to see 1.50% of the purchase price in addition to your down payment. However, we have one of our lenders that only require to see 1% of the purchase price in addition to the down-payment towards closing cost even though you may or may not use it all.

NOTE: The above is the minimum required based on current lending guidelines. To determine your options, please contact our Principal Broker Ameera Ameerullah

👉 Remember we do not charge our clients any fee so there’s NO Broker Fee for our service and we will always negotiate the most suitable mortgage terms for you.

CONTACT INFO
📞 647-494-9885 ext 107
Email: [email protected]

www.CMFG.ca

Rates from 5.49%, lender fee from 1.25% , 1 year open term on purchase or refinance. Similar to alternative B lending r...
02/03/2026

Rates from 5.49%, lender fee from 1.25% , 1 year open term on purchase or refinance. Similar to alternative B lending rates without the scrutiny of ratios qualification fitting you into a box such as GDS / TDS, or stress test requirements. We don’t have any of this. We don’t have set guidelines and look at every client transaction on a case by case basis.

Once we can see affordability, and exit plan, we can assist on your homeownership journey purchase or refinance. We don’t take on mortgages that’s in default and do not go behind other private lenders.

🌟OVERVIEW

- Quick closing
- No broker fee
- Open term
- One day response timeline
- Properties primarily in the GTA or max an hour away on exception.
- Interest Only payment helping you with monthly cash flow
- Lending on appraised value or purchase price whichever is Lower
- Prepaid Interest Option
- LTV up to 80%
- Rates from 5.49% and lender fee from 1.25%
- Income: Self employed , commission, variable income, rental , networth, investment income, salaried or hourly income , pension, Old age security income, Child credit benefit, disability income are all acceptable.

We are not solely an equity base lender - we need to know how you’ll pay the mortgage so there must be rational. Provide an explanation once you submit your mortgage loan request. However we are open to prepaying the mortgage for the term but you need to be clear on exit strategy plans.

Tel: 647-494-9885 ext 107
OR 647-242-9814
Email: [email protected]

GREAT NEWS FOR HOMEOWNERS & BUYERS! Better chance now to qualify for a mortgage. Contact Ameera Ameerullah at Canada Mor...
01/29/2026

GREAT NEWS FOR HOMEOWNERS & BUYERS! Better chance now to qualify for a mortgage. Contact Ameera Ameerullah at Canada Mortgage and Financial Group to discuss your options.

Here are some flexible options we can use to assist:

🔹 3% of CRA Taxes Owing: For clients with less than $10,000 owed to CRA, we can use 3% of the balance to liabilities for debt service. This means you don’t have to worry about paying out taxes owed to CRA for mortgage qualification!

🔹 100% Canada Child Benefit Income: If your children is under 15 years old, we can use 100% of the CCB income which helps in mortgage qualification

🔹 Sole Proprietors: Self-employed? We can use 15% gross up or add backs to your income meaning we can use a higher income for mortgage qualification

🔹 Car Loans Adjustment: We can remove your payment from liabilities for car loans if you have less than 6 months remaining

🔹 Reduced Closing Cost: Typically Lenders need to see 1.50% of the Purchase price in addition to your down payment towards closing cost but now you only need to show 1% of the purchase price on insured mortgages

CALL US to get pre-qualified for a mortgage! 💪

Tel: 647-494-9885 ext 107
Email: [email protected]

www.CMFG.ca

❄️Winter months are an excellent time to buy, especially in today’s market where home prices are favourable for homebuye...
01/25/2026

❄️Winter months are an excellent time to buy, especially in today’s market where home prices are favourable for homebuyers.

With low interest rates currently available, many buyers find it easier to qualify for financing.

We offer extended amortization options for clients that fit the criteria providing further flexibility and affordability.

Additionally, we offer no stress test mortgage qualification options making it easier to qualify for a higher loan amount.

Our service is at no cost to our clients so there is no broker fees and we’ll cover up to $500 in legal costs for transactions closing before April 2026.

CALL NOW! Get a pre-approval so that you know your borrowing amount and affordability ahead of time.

📞 647-494-9885 ext 107 or 647-242-9814

👉 MORTGAGE BROKERS - Have a commercial transaction that you cannot place on the institutional side ? Contact CMFG Lendin...
01/23/2026

👉 MORTGAGE BROKERS - Have a commercial transaction that you cannot place on the institutional side ? Contact CMFG Lending Division.

Email: [email protected] or Call 647-494-9885 ext. 107
Ameera Ameerullah

✔️Proven track record of closing in 3 business days
✔️Lender fee from 1.25%
✔️Loan amount up to 80% LTV

Location of interest: GTA or max an hour away or Ottawa on exception.

Not showing enough income on your tax return? Don’t worry! We can help secure a mortgage using just your personal and or...
01/22/2026

Not showing enough income on your tax return? Don’t worry! We can help secure a mortgage using just your personal and or business bank statements!

📞 Call us to discuss purchasing or refinancing an owner-occupied or rental property.

We have multiple mortgage products so don’t let your credit score or variable income hold you back!

Call our Principal Broker Ameera Ameerullah
Direct: 647-242-9814
O: 647-494-9885 ext 107
Email: [email protected]

www.CMFG.ca

Address

2 Robert Speck Parkway, 7th Floor
Mississauga, ON
L4Z1H8

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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