BANKS SAY NO? WE SAY YES.COM!*

BANKS SAY NO? WE SAY YES.COM!*

BANKS SAY NO? WE SAY YES.COM!*

BANKS SAY NO? WE SAY YES.COM!*

BANKS SAY NO? WE SAY YES.COM!*

  • Serving Ontario & Greater Toronto Area
  • Fast Approvals
  • All Credit Types Welcome
Apply now

Salana Financial Group Powered by Swivel Mortgage Group - License: 13569

Got Rejected by the Bank? We Can Still Get You Approved.

Fast mortgage solutions, debt consolidation, and private lending options — even if the banks said NO.

Bad Credit Accepted

Fast Approvals

All Financial Situations Welcome

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Speak With an Expert

Why Clients Come to Us After Bank Rejection

  • We work with all credit types
  • Fast approval pathways
  • Multiple lender options
  • Real solutions, not automated rejections
  • Support from start to finish

We Turn “No” Into “Yes”

Our job is simple — find a way forward when the banks can’t help.

We work with private lenders and alternative mortgage solutions to help you:

  • Get approved after rejection
  • Consolidate high-interest debt
  • Access home equity
  • Avoid foreclosure or power of sale

No judgment. Just solutions.

Fast Approval Process

1

Apply Online

Takes just a few minutes to get started.

2

We Review Your Situation

We match you with the right lender options.

3

Get Approved

Fast decisions, real solutions.

Our Mortgage Services

New purchases

Buying a home is one of the biggest financial decisions you’ll make, and getting the right mortgage matters. Whether you’re a first-time buyer or upgrading, we offer flexible solutions—even if your income, credit, or down payment doesn’t fit traditional bank guidelines. We’ll help you secure fast approvals and competitive terms so you can move forward with confidence.
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Reverse Mortgage

A reverse mortgage lets homeowners aged 55+ access the equity in their home without selling or making monthly mortgage payments. It’s a great way to supplement retirement income, cover expenses, or simply improve cash flow while staying in your home. We’ll walk you through the options clearly so you can decide what works best for your situation.
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Power of Sale Stopped

If you’re facing power of sale, time is critical—but you still have options. We specialize in urgent solutions that can stop the process and help you keep your home. Even with arrears, poor credit, or lender pressure, we can arrange fast funding to bring your mortgage current and give you breathing room to move forward.
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Refinance/Equity Takeout

Refinancing allows you to tap into your home’s equity or improve your current mortgage terms. Whether you want to lower your monthly payments, consolidate debt, or access cash for investments or expenses, we provide customized solutions—even if you’ve been declined elsewhere. Our process is quick, straightforward, and built around your financial goals.
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Debt Consolidation Loans

High-interest debt can quickly become overwhelming. By consolidating your debts into one manageable payment, you can reduce financial stress and improve cash flow. We help homeowners use their home equity to pay off credit cards, loans, or tax arrears—even if credit is a concern—so you can regain control of your finances.
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Renewals/Transfers

Is your mortgage coming up for renewal? With access to dozens of lenders, we will save you time and hassle and provide expert guidance to help you make an informed decision. Let us simplify the renewal process and save you thousands!

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Have Questions? Talk To A Mortgage Broker
and Agent Near You Now! 

You’re in the Right Place

Getting rejected by a bank doesn’t mean you have no options.

It simply means you need a different solution.

We help homeowners, self-employed individuals, and clients with credit challenges get approved through flexible lending options that traditional banks don’t offer.

Sal Lunetta

Mortgage Agent Level 2
Lic M08003429

  • Toronto Office
  • 600A Caledonia RD
    2nd floor of Toronto, On M6E 4V5

Ana Moniz

Mortgage Broker
Lic M08002606

  • Toronto Office
  • 600A Caledonia RD
    2nd floor of Toronto, On M6E 4V5

Have You Been Declined?

The sooner you apply, the sooner we can find your solution.

Don’t let banks decide your future.

Apply Now

Your Approval Starts Here

No judgment. No delays. Just real solutions.

Apply Now

“We had a great experience with Stephanie Ribaric from Swivel Mortgage Group. Her professionalism and knowledge made the usually complicated mortgage process straightforward and easy to manage. She was always quick to answer our questions, explaining complex terms in simple language, and guiding us patiently throughout the process. We are appreciative of Stephanie’s tireless efforts to represent our best interests, ensuring we secured the best deal. We highly recommend her services to anyone in need of a mortgage, confident that they will receive the same excellent service as we did.”

Judy Hy

“We had a great experience with Stephanie Ribaric from Swivel Mortgage Group. Her professionalism and knowledge made the usually complicated mortgage process straightforward and easy to manage. She was always quick to answer our questions, explaining complex terms in simple language, and guiding us patiently throughout the process. We are appreciative of Stephanie’s tireless efforts to represent our best interests, ensuring we secured the best deal. We highly recommend her services to anyone in need of a mortgage, confident that they will receive the same excellent service as we did.”

Judy Hy

“We had a great experience with Stephanie Ribaric from Swivel Mortgage Group. Her professionalism and knowledge made the usually complicated mortgage process straightforward and easy to manage. She was always quick to answer our questions, explaining complex terms in simple language, and guiding us patiently throughout the process. We are appreciative of Stephanie’s tireless efforts to represent our best interests, ensuring we secured the best deal. We highly recommend her services to anyone in need of a mortgage, confident that they will receive the same excellent service as we did.”

Judy Hy

Chances are, you're not the first person to ask. Take a look at answers to some of our more frequently asked questions.

To determine ‘affordability’ you will first need to know your taxable income along with the amount of any debt outstanding and the monthly payments. Assuming it is your principal residence you are purchasing, calculate 32% of your income for use toward a mortgage payment, property taxes and heating costs. If applicable, half of the estimated monthly condominium maintenance fees will also be included in this calculation. Second, calculate 40% of your taxable income and deduct all of your monthly debt payments, including car loans, credit cards, lines of credit payments. The lesser of the first or second calculation will be used to help determine how much of your income may be used towards housing related payments, including your mortgage payment. These calculations are based on lenders’ usual guidelines. In addition to considering what the ratios say you can afford, make sure you calculate how much you think you can afford. If the payment amount you are comfortable with is less than 32% of your income you may want to settle for the lower amount rather than stretch yourself financially. Make sure you don’t leave yourself house poor. Structure your payments so that you can still afford simple luxuries.

A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable). Regardless of the amount of your down payment, at least 5% of it must be from your own cash resources or a gift from a family member. It cannot be borrowed. Lenders will generally accept a gift from a family member as an acceptable down payment provided a letter stating it is a true gift, not a loan, is signed by the donor. Where the mortgage loan insurance is provided by Canada Mortgage and Housing Corporation (CMHC), the gift money must be in the your possession before the application is sent in to CMHC for approval. Mortgages with less than 20% down must have mortgage loan insurance provided by either CMHC or GE.

Mortgage loan insurance is insurance provided by Canada Mortgage and Housing Corporation (CMHC), a crown corporation, and GE Capital Mortgage Insurance Company, an approved private corporation. This insurance is required by law to insure lenders against default on mortgages with a loan to value ratio greater than 80%. The insurance premiums, ranging from .50% to 3.75%, are paid by the borrower and can be added directly onto the mortgage amount. This is not the same as mortgage life insurance.

A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, a loan to value of or less than 80%, and does not normally require mortgage loan insurance.

OUR TRUSTED LENDING PARTNERS