Products & Services

Our lending solutions cover a wide range of client needs.

Residential Mortgages: We help homeowners secure the right mortgage for their primary residences, second homes, or investment properties. From traditional first mortgages to specialized products, we make homeownership achievable and sustainable.

Commercial Mortgages: For investors and business owners looking to purchase or refinance commercial properties, we connect you with financing tailored to your project. Whether it’s retail, office, or industrial space, we simplify complex lending.

Construction Financing: Building a home or commercial property requires specialized funding. We offer construction loans designed to keep your project moving, with flexible draw schedules and clear guidance every step of the way.

Business Financing: We arrange funding solutions for entrepreneurs and corporations, including business loans and lines of credit. Whether you’re expanding, investing, or managing cash flow, we help secure the capital you need.

These are the core lending products we specialize in:

1st Mortgages: The most common type of mortgage, a 1st mortgage is used when purchasing a home or refinancing an existing property. With so many options available — fixed or variable rates, different terms, and various amortizations — choosing the right one can be overwhelming. We simplify the process by comparing lenders across our network and negotiating on your behalf, ensuring you get the most competitive terms that align with your budget and long-term goals.

2nd Mortgages: A 2nd mortgage lets you access the equity in your home without touching your current mortgage. Homeowners often use these funds for debt consolidation, home improvements, education, or major expenses. Because interest rates can vary widely, it’s important to structure them properly. Aventurine works with you to determine if a 2nd mortgage is the right strategy and connects you with lenders who offer flexible repayment options.

Reverse Mortgages: Designed for homeowners 55 and older, a reverse mortgage allows you to convert home equity into tax-free cash — without selling your home or making monthly payments. This can provide financial flexibility in retirement, whether to supplement income, cover healthcare costs, or support family. We guide you through the eligibility requirements, explain how it affects your estate, and compare options so you can make an informed choice about accessing the value in your home.

Private Mortgages: When banks or traditional lenders say no, a private mortgage can open the door. These are short-term solutions often used for unique borrower circumstances, such as self-employment, bruised credit, or time-sensitive purchases. While private mortgages typically carry higher rates, they offer flexibility that other lenders cannot. At Aventurine, we carefully match clients with trusted private lenders, ensuring the terms are fair and structured to meet short-term needs while planning for a longer-term solution.

Home Equity Line of Credit (HELOCs): A HELOC gives you revolving access to your home’s equity, similar to a credit card but with much lower interest rates. You can draw funds as needed and pay them back on your own schedule, making it ideal for renovations, investments, or emergency expenses. Aventurine helps you determine how much equity you can access, explains repayment flexibility, and connects you with lenders offering the best HELOC rates and terms.

Bridge Loans: Buying your next property before selling your current one often creates a financing gap. A bridge loan provides short-term funding to cover this period, ensuring your purchase can move forward without delays. These loans can be complex, with strict timelines and interest-only payments. We guide you through structuring a bridge loan that works for your timeline and budget, coordinating with lenders so your transition is smooth and stress-free.

Construction Loans: Building a home or investment property requires financing that matches the unique stages of construction. A construction loan releases funds in draws as the project progresses, ensuring you only pay for what’s completed. Because these loans require careful planning, we work closely with you and your builder to align the financing with your construction schedule. Aventurine ensures funds are available when needed, giving you confidence from the first shovel to the final inspection.

Business Loans: Every business has different needs — whether it’s purchasing equipment, expanding operations, or managing cash flow. Business loans provide the capital to help entrepreneurs grow, invest, or stabilize during challenging times. Aventurine partners with a network of lenders to find financing solutions that fit your business model, offering flexible terms that support both immediate and long-term goals.

We understand that every borrower’s situation is unique. These specialized programs ensure you have access to the right financing, no matter your background.

First-Time Homebuyers: Buying your first home can feel overwhelming, especially with new terms, programs, and requirements to navigate. We guide you through government incentives, down payment options, and lender products designed specifically to make homeownership more accessible. Our team ensures you understand every step so you can move forward with confidence.

Insured Mortgages: For qualified borrowers with smaller down payments, insured mortgages provide access to higher loan amounts and competitive rates by protecting the lender against default. We help you determine if mortgage insurance is required, explain how it affects your payments, and connect you with lenders who offer the best insured options.

High-Ratio Mortgages: If your down payment is less than 20%, your mortgage is considered high-ratio and requires insurance from providers like CMHC, Sagen, or Canada Guaranty. We help you navigate these options, compare costs, and structure the financing so you can still achieve your homeownership goals while keeping payments manageable.

Business for Self (Self-Employed Borrowers): Self-employed clients often face hurdles with traditional lenders due to variable income or non-traditional documentation. We understand how to present your income, assets, and business records in a way that meets lender requirements. Our experience helps secure competitive financing tailored to the unique needs of entrepreneurs and business owners.

New to Canada: Newcomers often lack Canadian credit history, which can make qualifying for a mortgage more challenging. We connect you with lenders who offer programs designed for permanent residents and recent arrivals, ensuring you can start building a life in Canada without unnecessary barriers.

Temporary Residents: If you’re working or studying in Canada on a temporary visa, you may still be eligible for mortgage financing. We help arrange solutions that fit your residency status, guiding you through the requirements so you can purchase property even without permanent resident status.

Non-Residents: Investors and buyers living outside Canada can access tailored mortgage solutions for purchasing property here. We assist with navigating higher down payment requirements, income verification, and lender policies to make international ownership seamless.

Professional Lending: Certain professions, such as doctors, dentists, lawyers, and accountants, may qualify for unique mortgage products that recognize stable career paths and higher earning potential. We help you take advantage of these benefits, securing tailored financing with preferential terms where available.

Equity Lending: When income doesn’t tell the full story, equity-based lending focuses on the value of your property instead. This option is ideal for borrowers with significant assets but irregular income, giving you access to financing without traditional proof-of-income hurdles.

High Net Worth Clients: For clients with significant assets or complex financial portfolios, we arrange customized lending solutions that align with your overall strategy and lifestyle. From jumbo mortgages to multi-property financing, we work with specialized lenders to provide flexible, discreet, and personalized options.