We help people across the GTA close on their pre-construction condo — even when the bank says no.

Alternative lending solutions for buyers facing appraisal gaps, debt ratio issues, or bank declines.

Start Here Learn How It Works

FSRA Licensed

Institutional, alternative & private options

GTA Specialists

No hard credit check for initial review

Illustrative situations

Fictional examples for general education. These are not client testimonials, approvals, or promised outcomes.

A self-employed buyer with limited business-history documentation may need a broker to review alternative ways of documenting income. Available options and timing depend on the complete file and lender underwriting.

Self-employed buyer scenario

Illustrative example — not an actual client testimonial

How it works

Talk to a real broker

Get answers from a licensed mortgage broker who knows the GTA pre-construction market.

Andrew

Today 9:41 AM

Good morning, I have some questions about preconstruction condo financing.

Sure, ask me any questions you have and I'll be happy to help.

Delivered

Schedule a call when it works for you

Work directly with a licensed broker on your schedule. No waiting rooms, no hold music.

10:00 AM

Doctor Appointment

9:00 AM – 5:00 PM

Work

6:30 PM

Condo Call with Open Financial

Flexible. When it works for you.

Get your options

We present real options — not just rates, but a path forward based on your specific situation.

Your situation

Bank

Traditional mortgage options

Alternative Lender

Flexible solutions beyond the banks

Custom Solution

Structured financing built around you

Close with confidence

We guide you through to closing. You're not alone in this.

Financing secured

Appraisal reviewed

Documents in order

Ready to close

🎉 You're all set. Let's get you home.

Frequently Asked Questions

Common questions about pre-construction condo closings and how we can help.

When you bought your preconstruction condo, the market was higher. Now that you're closing, the bank appraises it at today's lower value — and will only lend based on that. If the appraisal gap is too large and you don't have the extra cash, you may not be able to close.

A bank decline does not necessarily end the review. A licensed broker can assess whether options may be available from a range of institutional, alternative, and private lenders. Availability, approval, pricing, and terms depend on the borrower, property, documentation, and each lender's current underwriting.

We're an independent mortgage brokerage, not a bank. We can review options from a range of institutional, alternative, and private lenders. Lender access, products, approval, and terms depend on the borrower, property, documentation, and each lender's underwriting.

Our initial assessment is completely free. If we find a solution that works for you, broker fees may apply depending on the lender — we'll always be upfront about this before you commit to anything.

A licensed broker will review your file and reach out within one business day. If you submit after hours, we'll contact you the next morning.

We do not sell personal information. We may disclose information to selected lenders, co-brokers, appraisers, lawyers, credit bureaus, and technology providers when reasonably necessary to respond to your request, arrange financing, comply with law, or operate the service, as described in our Privacy Policy.

“Our clients come to us when everyone else has said no. We look at the full picture — not just the numbers — and find a path forward that actually works.”

- Marcel Greaux

Garrison Capital Corp., operating as Open Financial · FSRA Mortgage Brokerage Licence #13362 · Marcel Greaux, Principal Broker · FSRA Mortgage Broker Licence #M10002478

Start Here

Don't let your closing date pass you by.

Check your situation in under 2 minutes.
No obligation. No hard credit check for the initial review; a lender application may require consent to obtain credit.

Start Here