Try out our easy home equity calculator to see how much you are eligible for!

Financial Solutions, No Matter The Circumstances

Cheap Money Mortgage Solutions is an independent mortgage brokerage that has proudly served the Toronto, Whitby and surrounding areas since 1983.

From mortgage products and equity loans to power of sale and debt consolidation, our team of qualified mortgage experts are pleased to provide tailored solutions to affordable financing.

Whether you are self-employed or recovering from financial hardship, Cheap Money is here to alleviate the pressure when the big banks won’t help.

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Our Associations

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Lowering Your Borrowing Costs Without Lowering Your Standards

While millions of Canadians have been shut out by the major lenders, we understand the complexities of day-to-day life. If you are having trouble purchasing property, acquiring a loan, consolidating debt or refinancing your mortgage - allow our experts to help!

With Cheap Money Mortgage Solutions, we provide financing on all real estate assets with your best interests in mind. Through affordable financing solutions, we are proud to lower your borrowing costs without compromising the service you deserve.

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Day to Day Life

Why Work With Us?


With over 35+ years of experience, we specialize in dealing with bad credit and traditional bank declines. At Cheap Money, our goal is to say YES.


With access to a number of industry-leading lenders, our qualified mortgage experts can always provide the best rates on the market.


When the big banks can’t help, we’re here to listen. With a wide variety of financial services, we take a tailored approach to addressing your personal lending needs.


Our online application process is quick and easy to use! With 24-hour approval, our services are designed to alleviate the pressure while you get back to life.

Our Services

With over 35 years of industry-leading experience, our focus is to provide our clients with the highest quality in financial guidance and personalized lending solutions.

Though a tailored approach, our experts work with each and every client to determine their options based on their unique needs and lifestyle.

What Kind Of Service Are You Looking For?

Mortgage Solutions


Becoming a first-time home buyer can be a very exciting, yet intimidating experience!

Power Of Sale / Foreclosure


Losing your home and property can be a very stressful time, but you don’t have to handle it alone.

Mortgage Arrears


Falling behind on a mortgage payment is a lot more common than you’d think.

Equity Loans


At Cheap Money, we believe that borrowing against your home equity should be an easy, no-hassle process.

Collection / Debt Consolidation


Losing your home and property can be a very stressful time, but you don’t have to handle it alone.

Looking for Something else


Tell us your needs and our team of financial and mortgage experts will craft a customized solution that will work for you specifically, regardless of your situation.

How Can We Help?

Residential Services

At Cheap Money, our residential services go above and beyond the traditional banks. With a tailored approach, we work with each and every client to determine the best financial solutions no matter the circumstances.

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Commercial Services

With Cheap Money Mortgage Solutions, we make commercial lending easy. Through detail-oriented strategies and experienced negotiation skills, our experts work on your behalf to get the rates and terms you deserve.

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How Can We Help?
Cheap Money Mortgage Calculator

Try Our Mortgage Calculator

Interested in a Refinance, Purchase or Equity Take out? Use our calculator to see estimate what you qualify for!

Calculate Now!

Request an Obligation-Free Mortgage Consultation

Our qualified mortgage experts are pleased to help you find the best available lending products for your personal needs.

To request an obligation-free consultation, fill out the form below or contact us at 1-877-668-6588!


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What Our Clients Have To Say

What Our Clients Say Quotes

"I found the website while looking for a solution to my credit problems and I am glad I did! I got a home equity loan fast and was able to avoid being sued by a collection agency that had been hounding me for 2 months. Not proud to say I was in a situation like this but glad there are still decent people who are willing to show some understanding when things aren’t going in your favor."