At UNIFI Lending, we know that every home—and every journey to get there—is unique. Whether you’re buying your first place, building your dream home, or investing in property, we offer the right mortgage solutions to help you move forward with clarity and confidence. With expert support, powerful tools, and access to top lenders, we make the process simple from start to finish.
Buying your first home should be exciting—not stressful. We walk you through every step, from pre-approval to closing, and connect you with options designed for new buyers, including low down payments and government incentives.
Perfect for: First-time buyers ready to start strong.
Whether you're upgrading, downsizing, or relocating, we’ll help you finance your next home with a strategy that fits your evolving goals.
Perfect for: Current homeowners planning their next move.
Building a new home from the ground up? We offer flexible construction and completion mortgages to suit your timeline, whether you're buying a pre-construction condo or working with a builder.
Perfect for: Buyers planning a custom build or purchasing a newly constructed home.
Generate rental income or grow your portfolio with expert guidance and mortgage solutions built for investors—first-time or seasoned.
Perfect for: Real estate investors focused on growth.
Your getaway should feel relaxing—including the financing. We make it easy to secure a mortgage for your second or seasonal home.
Perfect for: Buyers looking for a personal retreat or cottage.
Enjoy consistent payments and long-term stability by locking in your interest rate.
Perfect for: Homeowners who like to plan with confidence.
Start with a lower rate and stay flexible. Ideal for those comfortable with market changes.
Perfect for: Borrowers seeking long-term savings and adaptability.
Pay off your mortgage at any time with no penalties.
Perfect for: Short-term plans or anticipated lump-sum payments.
With as little as 5% down, we help you access insured mortgages that make homeownership more attainable.
Perfect for: Buyers with smaller down payments.
Put down 20% or more and avoid mortgage insurance—while unlocking better rates and terms.
Perfect for: Buyers with strong equity or savings.
Use your home’s equity to consolidate debt, renovate, or access better rates.
Perfect for: Homeowners looking to reset their finances or fund big plans.
Don’t settle for your current lender’s renewal offer—let us help you explore better options with less stress.
Perfect for: Mortgage holders nearing the end of their term.
Move your mortgage to UNIFI Lending and access better rates, service, and features—at no cost in many cases.
Perfect for: Homeowners seeking more from their mortgage.
Move your mortgage to UNIFI Lending and access better rates, service, and features—at no cost in many cases.
Perfect for: Homeowners seeking more from their mortgage.
Build a new life and a new home. Our newcomer programs help you qualify with limited Canadian credit history.
Perfect for: Recent immigrants ready to put down roots.
