Mortgage Wars has been helping Canadians with their mortgage financing needs since 2012. The mortgage landscape in Canada changed significantly in late 2017 and early 2018 as federal regulators tightened mortgage rules to help slow down the drastic increase in property values in most major Canadian cities. In response, Mortgagewars.ca evolved and changed its focus to alternative lending and private mortgages to ensure Canadian homeowners continue to have an opportunity to qualify for home financing/refinancing.

In early 2020, Mortgage Wars Inc., joined the Pineapple Network (formerly Capital Lending Centre), Brokerage# 12830.  Pineapple is the fastest growing mortgage brokerage in Canada.  This move gave Mortgage Wars access to 'top tier' status with all major lenders.  As we focus primarily on alternative lending, we have developed the expertise to give you superior advice compared to other regular brokers who does not focus on this niche market. We have access to multiple alternative and private mortgage lenders who gives us priority in their approval process as we have built great relationships with them.

Paulo Frencillo - Mortgage Agent

Paulo Frencillo is the founder and lead mortgage agent of Mortgage Wars.   He is a Mortgage Agent - Level 2,  License# M12001122. He has over 18 years experience in the mortgage/ financial industry.  Paulo started his career in the banking industry and worked for the 3 major banks in Canada as a Financial Advisor, dealing with both investments and credit. After his career with the bank, he worked as an underwriter for an alternative lender and a private mortgage lender before he dedicated his career to ‘mortgage brokering’.  These various experiences exposed him to all aspects of the mortgage financing process and made him proficient in prime, alternative (Alt-A) and private lending.

He also has extensive experience with rental properties.  As he manages a few rental properties of his own as a landlord for over a decade, both in Canada and internationally.

Some of our preferred lenders:

  • First National Excalibur
  • MCAP Eclipse
  • MCan Financial
  • Home Trust
  • Equitable Bank
  • Haventree Bank
  • Community Trust
  • HomeEquity Bank
  • Manulife Bank
  • RFA Bank
  • River Rock MIC
  • Optimum Mortgage