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.

FSRA Licensed

50+ Lender Network

GTA Specialists

No Credit Check Required

"After starting my agency, the big banks wouldn't even look at me without two years of perfect returns. Open Financial looked at my contracts and saw my potential. They got me into my loft in three weeks."

Marcus T.

Creative Director, Toronto

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.

Yes — this is exactly who we help. Traditional banks have strict debt ratio rules. Alternative lenders, credit unions, and private lenders have more flexibility. We have access to over 50 lenders and know which ones will look at your file.

We're an independent mortgage brokerage, not a bank. We work for you, not the lender. That means we shop your file across 50+ lenders to find the best fit — including ones banks would never refer you to.

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.

Yes. All information is encrypted and handled in accordance with Canadian privacy law (PIPEDA). We never sell or share your data.

“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

Principal Broker · Agent Level 2 · FSRA Broker License #M10002478 · Brokerage License #13362

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Don't let your closing date pass you by.

Check your situation in under 2 minutes.
No obligation, no credit check.

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