About Sunil Pala
With over 20 years of experience in financial services, debt management, and real estate, I help Canadians overcome financial challenges and achieve home ownership. Over the years, I have seen how sudden changes such as job loss, illness, divorce, or market downturns can affect anyone. My goal is to offer real solutions when traditional lenders turn clients away and to prove that financial setbacks are only temporary.
 
When Your Bank Says No, Sunil Says Yes
I specialize in helping consumers and homeowners who are struggling with debt, credit, or mortgage issues. No credit? Bad credit? All approved. I work closely with clients to secure debt consolidation loans, reduce debt by up to 50 percent, and create no-payment mortgage options that provide relief and flexibility. Every solution is tailored to your unique needs and long-term goals.
 
Comprehensive Financial Support
My services go far beyond traditional lending. I provide home renovation loans, business and equipment financing, construction and cosmetic financing, and assistance for those facing foreclosure or going through separation or divorce. I also help clients rebuild credit, resolve lien disputes, and recover financially after consumer proposals or bankruptcy. Whether you are a homeowner, retiree, or business owner, I can help you move forward with confidence and clarity.
 
Why Work With Sunil Pala Mortgages
Our expertise lies in handling complex and specialized financing needs that most lenders avoid, such as:
  • Saving clients from bankruptcy or consumer proposals when real estate is involved
  • Forbearance, foreclosure, and court-ordered sale rescue
  • Land assembly and development construction financing with guidance on cost overruns
  • Multi-unit financing and refinancing, including CMHC rental, student housing, single room occupancy, retirement, and supportive housing projects
  • Assistance for homeowners facing liens, speculation, and vacancy tax judgments, strata judgments, or other legal claims on real estate
  • Divorce and separation buyouts, where one spouse purchases the marital home from the other
  • Payment struggles, debt settlement, and credit report dispute resolution with credit agencies
  • Home renovation loans, bridge financing, equity programs (no income), and second mortgages
  • Commercial property repositioning and valuation support
  • Hotel and motel acquisition and financing
  • Business capital, strata, and condo loans for water damage remediation or building repairs
  • Financing for clients with bad credit, no credit, or special circumstances
  • Partial interest and remediated grow-op financing
  • Financing for mobile home parks, modular homes, and manufactured homes
Trusted Experience and Genuine Care
As a leader in alternative and private lending, I combine deep financial expertise with genuine care for my clients. I believe in transparency, integrity, and second chances. Whether you need to consolidate debt, save your home, or access business capital, I am here to help you build stability and confidence for the future. When your bank says no, I will find a way to say yes.

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Making homeowner dreams come true

We're here to help you with home purchases, mortgage renewals, refinancing and more.