Alt & Private Mortgage Specialists

Your bank said no.
We say yes.

Self-employed, bruised credit, carrying debt, or just told you don't fit the box? We place mortgages with B lenders and private lenders across Ontario and Alberta, and we build the plan to get you back to the bank.

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Refinance · Debt consolidation · Business-for-self

Choose your door

II need a mortgageTurned down, self-employed, or need to pull equity out fast. See how alternative and private lending can work for you.For borrowers →III'm a mortgage broker with a tough fileGot a B or private deal you can't place? Co-broke it with us. We structure, submit and close. You keep the client.Co-broke with us →IIII want to refer a clientRealtors, accountants, lawyers and mortgage brokers. Send us someone the bank turned away and we'll take great care of them.Refer a client →

Who we help

There is a whole world beyond the bank.

The big banks follow one rulebook. When your income, credit or timing doesn't fit it, that's where we work. Every file gets a real strategy, not a rubber stamp.

Business-for-selfWrite-offs shrink your income on paper. We use lenders who look at the real picture.
Debt consolidationRoll high-interest debt into your mortgage and free up monthly cash flow.
Bruised creditLate payments, collections or a past proposal don't have to mean no.
Equity take-outsTap your home's equity for renovations, investments or a fresh start.
Private & second mortgagesFast, equity-based funding with a clear exit plan back to a lower rate.

How it works

Three lanes of lending. We know all of them.

Lane A

The banks

Lowest rates, strictest rules. Clean credit, salaried income and the stress test. Great when you fit. Most of our clients are on their way back here.

Lane B

Alternative lenders

Trust companies and credit unions with flexible income and credit guidelines. Slightly higher rates, much more room to say yes.

Lane P

Private lenders

Equity first, paperwork second. Short terms, fast closings, and a built-in plan to step you back down to a B or A lender.

The podcast

Beyond The Bank HQ

Real conversations about the mortgages the banks won't talk about. Strategy, real deals and the people who close them.

Spotify Apple Podcasts YouTube

Episode 2 · LatestThe Self Employed Mortgage Playbook Episode 1There is a Whole World Beyond The Bank

Your team

Two brokers. One standard.

Tyler Salmon

Mortgage Agent, Level 2

He doesn't have an office. He has a boarding pass. Meet Tyler Salmon, co-founder of Beyond The Bank. He's a mortgage broker who spends months travelling each year, and he makes it work. Tyler shares how his mortgage career lets him travel, while his team supports clients and referral partners back home. No desk, no branch, no office hours, just time zones. It's the living proof of what we believe: trust is not built in a branch, it's built in the strategy and follow-through.

Emanuel Khokhar