HB Mortgage Centre

Our Lender Network

Our Lender Network

As an FSRA-licensed brokerage, HB Mortgage Centre works with a range of lenders, not just one. That breadth is the point of using a broker: instead of a single bank's products and rules, you get a file matched to a lender that fits your situation, subject to qualification.

Written by the HB Mortgage Centre team. Reviewed by Hardeep Batoo, Principal Broker (licence M13002408). HB Mortgage Centre is an FSRA-licensed brokerage (#13449). Last updated: June 23, 2026.

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FSRA Brokerage #13449Hardeep Batoo, Broker Licence #M13002408A, B, and private lendersOntario-wide

Why a broker

Why broker lender access matters

Here is the difference between a bank and a brokerage. A bank can only offer its own products. If you do not fit its rules, the answer is no, and that is the end of it.
A brokerage works across many lenders. So when your situation is not a clean fit for one lender, we can look to others whose rules suit your file. That is especially useful for non-traditional income, a recent credit event, or a property a bank will not finance.
To be clear, more lenders does not mean guaranteed approval. Every file is still subject to qualification and lender review. It means more places to find a fit.

Lender types

The lender types we work with

Most mortgage lending falls into three broad groups:

01

A-lenders. Banks and major lenders with the lowest rates and the strictest rules. Best when you fit standard criteria.

02

B-lenders. More flexible than banks, for borrowers who almost qualify but need some give on income or credit. Usually a bit more expensive.

03

Private lenders. Equity-focused, shorter-term lending for situations the banks and B-lenders cannot do right now. The highest cost, used as a bridge with an exit plan. See private mortgages.

04

Where it fits your situation, we also work with specialty lenders for cases like reverse mortgages. See reverse mortgages.

The match

How we match you to a lender

Our job is to read your situation and take it to the lenders most likely to fit. We look at your income, credit, the property, your equity, and your goal, then we approach lenders accordingly and explain the options, with costs and conditions, before you decide. Everything is subject to qualification and lender assessment.

The rule of thumb: the right lender is the one whose rules match your file, not just the one with the flashiest rate.

See: private mortgages →

Lender breadth

A wide range of A, B, and private lenders

As an FSRA-licensed brokerage, we work with a wide range of A, B, and private lenders, plus specialty lenders for cases like reverse mortgages. Rather than lead with a number, we focus on matching your file to a lender that fits.

For the situations these lenders handle, see private mortgages, mortgage options with bad credit, and reverse mortgages.

Our FSRA licensing

FAQ

Common questions

What does a mortgage broker's lender network mean?+
It is the set of lenders a brokerage can place your mortgage with. A broker compares across them rather than offering a single institution's products.
Why can a broker access lenders my bank cannot?+
Because a brokerage works with many lenders, including B and private lenders that banks do not offer. That widens the options when your file does not fit one lender's rules.
What is the difference between A-lenders, B-lenders, and private lenders?+
A-lenders are banks and major lenders with the lowest rates and strictest rules. B-lenders are more flexible and a bit more expensive. Private lenders are equity-focused, shorter-term, and highest cost, used as a bridge.
How many lenders does HB work with?+
We work with a wide range of A, B, and private lenders, plus specialty lenders for cases like reverse mortgages. Rather than lead with a number, we focus on matching your file to a lender that fits.
Does working with many lenders mean I am guaranteed approval?+
No. It means more chances to find a fit. Every file is still subject to qualification and lender review.

Find your lender fit

The fastest way to know which lender suits your situation is a short conversation. We will tell you honestly where you stand.
ApplyCall (647) 542-6100

We do not guarantee approval. Every file is subject to qualification and lender review. FSRA Brokerage #13449.

FSRA Brokerage #13449 · Hardeep Batoo, Broker Licence #M13002408 · Ontario-wide

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Mortgage approvals, rates, terms, products, fees, and available lender options are subject to lender approval, borrower qualification, property review, market conditions, documentation, title review, and applicable laws. O.A.C. E.&O.E. HB Mortgage Centre is an FSRA-licensed Ontario mortgage brokerage, FSRA Brokerage #13449. Each Mortgage Centre is independently owned and operated. This website provides general information only and does not provide legal, tax, financial planning, estate planning, investment, accounting, or benefits advice. For legal matters, speak with an Ontario lawyer. For tax, estate, benefit, investment, or accounting questions, speak with a qualified advisor before making a decision.

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