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Our Story

Taking a common sense approach to mortage lending 


Not every client can easily be qualified. For those who are not, our business development and underwriting specialists work with mortgage brokers to offer custom alternative lending solutions that will help their clients. 

Our approach at IC Savings is simple and straightforward: we use a thoughtful process to guide our lending decisions.

We will take the time that’s needed to understand the underlying circumstances of an applicant's situation. Perhaps it’s bruised credit, or a significant life event that’s temporarily affected their finances. Maybe they are new immigrants with little to no credit history. In each and every case, we will take those individual circumstances into consideration, because not every aspect of an applicant’s story can be understood by an algorithm or an automated adjudication model, that ends up treating everyone the same. 

​Specializing in alternative lending solutions

For more than 20 years, our team has put its vast experience and first-hand knowledge to work with hundreds of residential and commercial mortgage brokers across Ontario. We are ready to do the same for you. 

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A trio of client stories

Learn how we review broker submissions and help borrowers reach their goals. 


Business for Self-Stated Income Financing

Meet Giorgio and Amalia, self-employed homeowners who wanted to help their daughter purchase her first home.


Refinance: Debt Consolidation

Sayeed and Mika were looking to refinance their home and consolidate debt. Here's how we helped.


Our Rental Program

Although good savers, Ben’s commission income and additional rental expenses made financing a challenge for this couple.