Home / Services / Purchase
Residential & Investment Purchases

Buy with confidence — and the right mortgage behind you.

Whether it's your first home, your forever home, or your next investment property, we secure competitive purchase financing and a rock-solid pre-approval so you can shop and make offers from a position of strength.

Purchase financing that puts you in control

Buying property is one of the biggest financial decisions you'll ever make — and the mortgage behind it matters as much as the home itself. At Bridge Lending Solutions, we help buyers across the GTA and Ontario secure purchase financing that's competitive, properly structured, and matched to their long-term goals.

Because we have access to over 50 of Canada's leading lenders, we don't simply take whatever a single bank offers. We compare products across the entire market, then recommend the lender, rate and term that genuinely fit your situation — so you start your search knowing your budget and your numbers with certainty.

Who this is for

  • First-time buyers — we walk you through every step, explain the programs available to you, and help you take advantage of first-time buyer incentives and rebates.
  • Move-up & downsizing buyers — coordinating the sale of your current home with the purchase of your next one, including bridge financing when timing doesn't line up.
  • Investors — rental and investment-property financing structured to maximize cash flow and portfolio growth.
  • New-to-Canada buyers — specialized programs for newcomers building credit and establishing themselves.
  • Self-employed buyers — tailored solutions for business owners and commission earners whose income doesn't fit a simple T4.
Get pre-approved first. A pre-approval locks in a rate for up to 120 days, tells you exactly what you can afford, and signals to sellers that you're a serious, ready buyer — a real advantage in a competitive market.

The benefits of working with us

  • Sharper rates — we shop 50+ lenders so you don't overpay by even a fraction of a point.
  • One application, many options — fill out your profile once and we present it to the lenders most likely to approve it.
  • Expert structuring — the right amortization, term and down-payment strategy can save you thousands over the life of your mortgage.
  • Credit guidance — if your credit needs work, we show you precisely what to improve so you qualify for more and pay less.
  • No cost to you, in most cases — for standard residential purchases, our services are typically free to you; the lender compensates us on funding.

What you'll typically need

To get pre-approved, it helps to have proof of income (recent pay stubs, a letter of employment, or business financials if self-employed), a sense of your down payment and its source, and authorization for a credit check. Don't worry if you don't have everything ready — a quick conversation is enough to get started, and we'll guide you through the rest.

How It Works

Your path from inquiry to funding

1

Pre-approval

We review your income, credit and down payment, then secure a pre-approval and rate hold so you know your budget.

2

House hunting

Shop with confidence. When you find the right property, we move quickly to firm up financing.

3

Final approval

We submit your accepted offer to the lender, satisfy any conditions, and lock everything in.

4

Closing & keys

Funds are advanced to your lawyer, the deal closes, and you get the keys to your new home.

Questions

Frequently asked questions

In Canada, the minimum is 5% on the first $500,000 of a home's price and 10% on the portion above that, up to $1.5M; 20% is typically required above that or for rental properties. We'll help you understand exactly what applies to your purchase and how to structure it.

A pre-qualification is a rough estimate. A pre-approval is a lender-backed commitment that verifies your income and credit and holds a rate for you — far stronger when you're making an offer.

Yes. We work with lenders who specialize in self-employed and commission income. We'll help you present your income in the strongest possible light and find a lender that understands your situation.

For standard residential purchases, our services are typically free to you — we're paid by the lender when your mortgage funds. Any exceptions are always disclosed clearly before you commit.

Ready to move forward?

Let's structure the right solution for your situation and get it approved on the best possible terms.