Refinancing through Hensey Financial is straightforward. Their team compares your current mortgage to better options across multiple lenders. You upload documents, outline your goals-like lower payments or debt consolidation-and they handle the rest. It’s all done remotely and customized to Ontario’s lending landscape.

NO. Hensey Financial does not broker mortgages with banks.

Absolutely. If you are new and you need bridge financing until you can get a mortgage from a bank, Hensey Financial can assist

Rates are generally lower in GTA and higher in rest of Ontario but It really depends on your loan to value, marketability of the property

A residential mortgage is for homes where people live - like houses, condos, or duplexes. A commercial mortgage is for income-producing properties like office buildings, plazas, or rental apartments. Hensey Financial offers both and helps you understand which one fits your goals, whether you're buying to live in or investing for cash flow.

In most cases, yes. Commercial mortgages generally have slightly higher interest rates due to higher perceived risk. Hensey Financial compares multiple lenders to find the best available commercial rates and terms, helping you secure affordable financing whether it’s for an office, retail, or rental property.

Yes. Often a down payment of 25–35%, depending on the property.

Yes, you can. Small rental properties (up to 4 units) often qualify for residential mortgages.

Yes, commercial mortgages often require more documentation and financial projections. Lenders may review leases, business plans, or rent rolls.

Yes.

Commercial mortgages apply to office buildings, retail stores, warehouses, mixed-use properties, and rental buildings with 5+ units. Hensey Financial helps you assess the property, determine lender requirements, and secure the right financing.