From first-time homebuyers to seasoned developers — navigate construction financing, MLI Select, self-employed mortgages, and private lending with a brokerage that has funded over $2 billion.
Canada's mortgage market has shifted dramatically in recent years. Rising interest rates, tightened lending guidelines, and new stress-test requirements have made it harder than ever for Canadians to secure financing — especially if your situation doesn't fit a traditional bank's checklist. Whether you're self-employed, purchasing an investment property, building a custom home, or looking to refinance during a renewal, the right guidance can be the difference between approval and frustration.
That's where Kraft Mortgages comes in. Headquartered in Surrey, BC, and licensed across British Columbia, Alberta, and Ontario, we bring over 23 years of frontline experience to every file. Our team specializes in the mortgage scenarios that other brokers turn away — including MLI Select multi-unit financing, construction draw management, stated-income programs for entrepreneurs, equity lending, and private mortgage solutions. With access to more than 30 lenders, we shop the market on your behalf so you don't have to.
From the Lower Mainland and the Okanagan to Calgary, Edmonton, Toronto, and Ottawa — Kraft Mortgages has helped over 5,000 clients and funded more than $2 billion in mortgages. Whether you're buying your first home, expanding your portfolio, or restructuring your debt, we deliver personalized strategies backed by decades of lender relationships and deep product knowledge.
What sets us apart from every other mortgage brokerage in Canada
Over two decades in the mortgage industry with more than $2 billion in funded deals. Deep lender relationships and institutional knowledge that translates into better terms for every client.
Fully licensed to operate in British Columbia, Alberta, and Ontario. Whether you are buying in Vancouver, investing in Calgary, or relocating to Toronto — we have you covered coast to coast.
We work with major banks, credit unions, trust companies, and private lenders. That means more options, better rates, and solutions tailored to your unique financial situation.
MLI Select multi-unit financing, construction draws, self-employed stated income, equity lending, and private mortgages — these are not side services for us. They are our core expertise.
Plan your next move with our suite of professional-grade mortgage calculators. Get personalized payment estimates, affordability analysis, and MLI Select projections delivered to your inbox.
No fees, no obligations. Speak with a licensed broker who can run numbers, answer questions, and deliver a pre-approval letter — often within the same day.
Comprehensive mortgage services designed for every stage of your property journey
Building a new home or developing a multi-unit project? We structure progressive draw schedules, manage holdback requirements, and optimize cash flow so your construction stays on track. Our team has decades of experience working with builders across BC, Alberta, and Ontario.
Learn MoreCMHC's MLI Select program offers significant insurance premium savings for qualifying multi-unit rental properties. Our team understands the eligibility criteria, energy-efficiency requirements, and application process inside out — saving developers thousands per unit.
Learn MoreTraditional banks often struggle to qualify entrepreneurs, freelancers, and small business owners. We offer stated-income and alternative-verification programs that recognize the full picture of your earnings — not just your T4.
Learn MoreWhether it's your first home, an investment property, or a vacation retreat, we match you with the right lender and the right product. We handle single-family, condo, duplex, and multi-unit purchases across all three provinces.
Learn MoreYour home equity is a powerful financial tool. We help clients consolidate high-interest debt, fund renovations, access cash for investments, or simply secure a better rate at renewal. Strategic refinancing can save you tens of thousands over your mortgage term.
Learn MoreWhen timeline, credit, or property type falls outside conventional guidelines, private lending bridges the gap. We work with a vetted network of private lenders to deliver fast approvals — often within 24 to 48 hours — for short-term and alternative financing needs.
Learn MoreLocal expertise across British Columbia, Alberta, and Ontario
From first conversation to closing — a straightforward process
Tell us about your goals, income situation, and timeline. We assess your options and outline a strategy — no fees, no obligations.
We pull your credit, verify your documents, and shop across 30+ lenders to secure a written pre-approval — often the same day.
Once you find your property, we negotiate rate, terms, and conditions with the best-fit lender. We handle the paperwork so you don't have to.
We coordinate with your lawyer, lender, and realtor to ensure a smooth closing. You get the keys — we make sure every detail is handled.
Professional-grade calculators with personalized reports delivered to your inbox
View All MLI Select CalculatorsReal results for complex mortgage challenges across Canada
Varun helped us navigate the MLI Select program for our 16-unit development. His expertise saved us over $200,000 in insurance premiums. The level of knowledge and attention to detail was exceptional.
As a self-employed contractor, three banks turned me down before I found Kraft Mortgages. They got me approved in four days with a stated-income program I didn't even know existed. Genuine experts.
We were relocating from Vancouver to Toronto and needed to coordinate a sale and purchase simultaneously across two provinces. Kraft handled everything seamlessly — the communication was incredible from start to finish.
Whether you are buying your first home in Vancouver, investing in Calgary, or building in Toronto — our team is ready to help. Free consultations, same-day pre-approvals, and access to 30+ lenders across BC, Alberta, and Ontario.