The Effort Trust Company
Hamilton-based trust company offering broker-focused alternative residential first mortgages (purchases, refinances, rentals) for credit-challenged, self-employed and newcomer borrowers in Southern Ontario, plus second mortgages, builder construction loans and commercial and apartment mortgages.
Lender facts
- Lender type
- Trust company
- Products offered
- Residential first mortgages · Residential second mortgages · Equity take-out and refinance · Rental and investment properties · Construction and development loans · Land and pre-development loans · Commercial mortgages · Multi-residential (5+ units)Lender website, checked Oct 30, 2026
- Where they lend
- Southern OntarioLender website, checked Oct 30, 2026
- Property types
- owner-occupied residential · rental residential · commercial · multi-residential · landLender website, checked Oct 30, 2026
- Borrowers they mention
- Borrowers with credit challenges · Newcomers to Canada · Self-employed borrowers · Developers and buildersLender website, checked Oct 30, 2026
- Loan size
- Up to $5 millionLender website, checked Oct 30, 2026
- Highest stated maximum loan-to-value
- 95%Lender website, checked Oct 30, 2026
- Terms
- 1-5 years closed, 1 year open, 6 months open or closedLender website, checked Oct 30, 2026
- How to apply
- Not stated on the lender’s website; check before applying
- Fees
- Low lender fees (amount not stated); finder's fees to brokers 25-100 bps by termLender website, checked Oct 30, 2026
Facts were checked against the lender’s own website on Oct 30, 2026. The lender has not claimed this profile or confirmed them.
Also listed in: Construction loans · Land loans · Commercial mortgages · Second mortgages · Self-employed borrowers · Credit challenges · Newcomers to Canada · Rental and investment properties
Use the lender’s website to confirm current terms and whether you can apply directly or need a mortgage broker. Published products are not personal offers.
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