Mortgage for every type of client
We have access to 40+ lenders across Canada, including major banks, credit unions and trust companies.
We can help you get approved for the mortgage you need.

First-time buyers

Mortgage for self-employed

Mortgage renewal / transfer / switch

Mortgage refinancing

Reverse mortgage

Construction loan

Commercial mortgages

Debt consolidation

Second mortgage / private mortgage

New to Canada
The recent situation has placed a lot of stress on families. The uncertainty about jobs and cash flow may subside as we approach summer, but here, at Sneg Mortgage Team, we have a solution for you regardless of the scenario you are in. Whether you are a full time employee who now works remotely, on-site or have been put on unpaid leave, or even if you are on pension, wishing to start enjoying life, we can help! With access to more than 40 lenders, we’ll get you approved, improve your cash flow and even take out the needed equity to create a cushion that will protect your family.
Create your own plan
We are currently experiencing a unique real estate market choices. We will use it all to secure your best terms, rates and future.
We have options and strategies for the climbing rates that can fit your family financial plans.
Complete this short form
for and what your monthly payment will be
Mortgage Calculator
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NOTE: ALL MORTGAGE CALCULATOR RESULTS ARE APPROXIMATE VALUES.
Please call us for your exact mortgage calculation.
Frequently Asked Questions
Here are some sample questions we get asked by clients. Please contact us with your specific questions. We are a team that aims to create clarity and be with you on your personal journey.
Who can get a mortgage?
Although Canada has tightened the rules on mortgage lending, we work with 40+ lenders amongst whom we can find various flexibilities which will allow you to get a mortgage at the best price and terms. There are programs for almost every type of borrower, including:- Employees
- Self-employed clients
- Newly landed immigrants
- Immigrants in process (those who have not yet landed in Canada)
- Working visa
- Clients with no credit history
- Clients with a challenging credit history
- Clients who wish to use their mortgage as a tax planning tool
With all these regulations and a stress test, who says I will be approved at all?
How much can I qualify for?
I trust my bank and my rep. I don’t know you and I’m not sure who you are and why should I trust you?
What’s the maximum equity I can take from my home?
What if I don’t have an income, or my credit score is low?
Do I pay on the Line of Credit I secured even if I don’t use it?
Can I use my equity to consolidate all my debts?
Do you do reverse mortgages?
It sounds too good to be true. How do I know you got me the best deal?
Who We Are
Jacob and Rinat of Sneg Mortgage Team. Together we have accumulated experience of more than 30 years in mortgages and are known to proactively use market conditions to our clients’ benefit.
With 342 testimonials on Google, coming from all provinces in Canada, you’ll feel confident that you are in expert and caring hands. We will start with taking your data, analyzing it, listening to your needs for the short and long term and looking for a product that will be perfectly tailored to you. Then we will let you know how much you can be approved for and get you the best mortgage to meet your goals and secure your family.



Focused Approval Process

COMPLETE OUR FORM
All it takes 1-2 minutes to send us your form. You can expect a response from us within 24 business hours. We’ll set up time for a quick phone conversation to determine how we can help you. Once we see we can get you the value you need, we will collect all information needed to immediately submit your file to specific lenders.

GET APPROVED
Our process begins with us collecting your supporting documents, things like ID’s, tax documents etc. We need these so that when we contact a lender on your behalf, they will not only approve you, but will also take the next step and confirm your income in order to offer you a fully guaranteed mortgage commitment. Giving us your documents upfront serves you in that we are able to perform a focused search among 40+ lenders and find you a tailored mortgage solution, the best mortgage rate and best mortgage terms.

GET FUNDING
A mortgage can be arranged within very short notice. Our record is set today at 11 hours from initial call to funding for a private mortgage, and 5 business days from the first call until the keys were in our client’s hands, for a conventional mortgage(!). Having said that, it is always better to take the needed time to properly lead a controlled and focused process. We are here with you along the way and long after you conclude it, as we constantly oversee the market to discover opportunities for our clients to cut costs.
Don't want to complete the long form? No problem!
Start your approval process
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About Our Clients
Our clients come from all nationalities, communities and cities in Canada. Most of our clients come to us by word of mouth. Recently people have started finding us online, after reading hundreds of our 5 start Google reviews.
Working across Canada with diverse population we can say 3 things:
- We are fortunate to have fantastic clients that are loyal to us and understand that our value to them is much more than a nice rate
- 95% of our clients chose to work with us although they can get the best rates with their own bank. They are AAA clients and appreciate our contribution in growing their wealth
- Our clients trust us with their friends and family and refer them to us. They also are very generous with their insights and knowledge and share their investment success. We, in return, spread the accumulated knowledge and investment opportunities with our clients’ community.
Click to read Reviews
I feel very fortunate to work with Jacob when I was refinancing my condo in Vancouver. Being an American, I was not nearly as familiar with Canadian RE practice as I was with the US ones. Many things that I took for granted in the US RE market work totally differently in Canada, and many times the differences, when discovered aftermath, would have caused me a heart attack. Fortunately Jacob was always generous and genuine with his advice. Exactly what you need from a service professional, someone who has integrity, expertise, and honesty to help you not only with the task at hand but also with future plannings and strategies. I will enlist Jacob’s service again with a heart beat and I would recommend him to my friends and family without the slightest hesitation.
We all go through divest experiences throughout our lives. Working with Rinat and Jacob was one of the special and unique experiences that we will hold onto, as one of those who leaves a great feeling, and therefore we’ll highly recommend her.
The process was complex, many details were involved, but Rinat remembered every one of them as if it was her own mortgage file. On top of it the process was handled in a most punctuate fashion overcoming a time difference between the provinces.
We knew that Jacob was there with us along the way backing up the whole process, although we got to talk to him only on the last conference call that took 2 hours.
Thank you for a most professional and personal service, Irena and Shalva, Toronto
Our experience with Jacob and Rinat is very positive. They are very professional and very prompt in answering all questions. They respond very quickly to email and always answer the phone, even after hours. They explain everything thoroughly and clearly and provide valuable advice, guidance and tips. Several of our colleagues and friends have already used Jacob and Rinat’s services, and we have since recommended them to many more. We would definitely use Jacob and Rinat’s services again.
I feel compelled to let all my FB Friends know what an INCREDIBLY AWESOME realtor* and mortgage guy Michael and I have…they have absolutely worked MAGIC for us and we are ECSTATICE…please read and pass along to everyone you know! These guys are the best!…FYI… there is NO kickbacks involved to us! Just want to pass along our experience…Spread the word!
* Barb used a realtor of our team, that we referred her to.
Jacob was recommended to me back in 2010 when I was in a financial crisis. I spoke to him for about 5 minutes on the phone when I just knew that everything was going to be alright. I had no clue how it was going to happen…I just let Jacob work his magic. He is extremely proactive, and works seemingly nonstop until he gets those amazing results. He has helped me out on two separate occasions and I would not hesitate in recommending him HIGHLY to anyone needing any kind of financial and mortgage assistance. What sets Jacob apart is the fact that working with him means building a relationship – he does not say goodbye after the contracts are signed…rather he stays by your side to see that you are successful in your financial future.
Jacob has provided me getting my first loan and it was real pleasure to work with him. Jacob quickly assessed my situation, that previous consultants considered complex and difficult to resolve. Moreover, he gave me a different perspective and analysis of the options and actually turned into a loan investment. Jacob provided a rapid exchange of information throughout the process and keeping me informed of all the current changes so far. I was impressed by his erudition, deep professionalism and knowledge of the market of financial services. I would certainly recommend Jacob to everyone, who looking for a new loan or refinancing and get difficulties in this sphere
I have to thank David to introduce me to you , and to you for finding for me the best deals and treating me as family … you are a very good man ..and yes , i trust you!
This is Jacob Sneg is able to naturally combine professional excellence with a common humanity. Our family is with great joy and confidence recommends Jacob Sneg as a remarkable professional in his field to all your friends and acquaintances. Jacob, we wish prosperity and longevity to you, your family and your business. This is not the first time our family and the families of our older kids are turning to professional services of Jacob Sneg (Mortgage Expert Jacob Sneg). We are extremely grateful to him for his sensitivity, care and attention to the needs of his customers. When Jacob Sneg works with you, you get the feeling that you are his only client.
Jacob has provided mortgage solutions in a very personable way and always had time to explain various details.
Jacob is a very knowledgeable mortgage broker. He delivers results on time
I highly recommend Jacob Sneg as a mortgage broker. He is professional and knowledgeable
Jacob Sneg is the best mortgage broker I’ve ever worked with. Personal approach, creativity and professionalism are just a few characteristics describing Jacob’s work. Buying a house is always stressful, but Jacob manages to deal with this calmly, focusing on the goals and maintaining pleasant work atmosphere. He always follows up, provides timely updates and demonstrates sensitivity for the customer’s needs. And in the end – the results are great: best deal available on the market. I have used Jacob’s services twice and I’m going to do this for the 3rd time
Serguei Bazov, and my wife Jenny know Jacob Sneg since 2004. We are one of his very happy clients, who are very satisfied with Jacob’s help in arranging mortgages during all these years. We have done 9 mortgages with Jacob, and every time he has demonstrated exceptional knowledge of the financial market, dedication to the client’s needs and high professional skills. We always felt that our mortgage is the best available and fits our needs. On top of it, Jacob has nice personality, it always very pleasant to deal with him
I, Serguei Bazov, and my wife Jenny know Jacob Sneg since 2004. We are one of his very happy clients, who are very satisfied with Jacob’s help in arranging mortgages during all these years. We have done 9 mortgages with Jacob, and every time he has demonstrated exceptional knowledge of the financial market, dedication to the client’s needs and high professional skills. We always felt that our mortgage is the best available and fits our needs. On top of it, Jacob has nice personality, it always very pleasant to deal with him
I have had the pleasure of working with Jacob and he is a true professional. Nowadays, it is hard to find someone who cares about you more than the money… Jacob is this man. I would highly recommend Jacob to all my family and friends
I recommend Jacob. He is very professional
Jacob has deep and detailed knowledge of the subject and did a great job for me many times. I would recommend him, as a mortgage broker to everybody
Jacob provided great mortgage brokerage services to my family and I and enabled us to qualify for our second home. Jacob was extremely helpful in making the transition from our previous home to our new one a very easy and relatively stress-free experience. Overall I am very happy with Jacob’s services and would gladly recommend him to any of my friends and family.
Very efficient and good Mortgage Broker
We decided to work with Rinat and Jacob because of a very warm recommendation coming from my best friend. I also heard some unique stories about the way they lead their business. After we met, I knew these are the people I’d like to work with: Honest, fair, aim to create clarity, Don’t care about their own gain and share and have only -me-the client in the center.
Renu and I would lDaniel Josephike to thank you for making this house purchase a reality, we truly appreciate it. I got your letter and gift, that was very nice of you. We were impressed with your work and definitely look forward to working together in the future, thanks again!
At the time of placing the Mezzuzah in my new home I want to formally thank you for your guidance over the years in giving me clarity in the obscure mortgage world; I of course thank you also for putting my new mortgage in place and helping me in the in and outs of the complex process of moving.
I thank you greatly for introducing me to my realtor Raphael Arazi. I had barely met him that he found the place I would eventually buy. He helped me tremendously in the negotiations to buy a wonderful apartment by Granville Island – and I can’t wait to have you visit me here. He’s a great guy and I consider him as new friend. Thanks again
Thank you so much for the gift card and the popcorn! We enjoyed both this week-end JAnd most of all, thank you so much for all your help arranging the mortgage!! We can’t wait to move into our new home. I will most certainly be mentioning your name to all my friends. Your professionalism and expertise are outstanding, and we thoroughly enjoy working with you.
When Jacob Sneg works with you, you get the feeling that you are his only client. He keeps in mind all the details of your case, do not delay you with the answer, and the exchange of necessary information by e-mail and phone comes with a speed comparable only with the game of ping pong. You know that you are not the only client of Jacob and even more surprised how, with some patience and tact, he is conducting the business Heartily involvement is permeated his communication with customers of different generations, for people older Jacob is a respectful son, to peers – like an older brother, to younger people – as a caring father.
Like many people, the entire process of mortgages and refinancing can be a very stressful, we have always felt well supported by Jacob and Rinat to walk us through different scenarios with our best interest in mind. They are extremely knowledgeable and professional, every detail is always handled flawlessly. They do not see their job complete with handling just the necessities and always goes above and beyond keeping us abreast of latest trends and rates that are at present. They have proven to be well connected with many other related professionals which we have also found to be trusted, knowledgeable and trusting in the service they provide, we always take his recommendations to heart. Jacob and his team have been instrumental part of making some of family dreams come true!
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