Are you a Homeowner? Get a loan! Funds in your account as soon as 48 HOURS!

Borrow up to $1,000,000. Your Best Bank Alternative Since 1984.

Complete this 5-Minute Application to Get Started

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Why Choose Prudent Mortgage

Prudent Mortgage Corp. (PMC) is a division of Prudent Financial Services and since 1984 we have been the GTA leader in providing flexible and affordable loans to Ontario residents who own their homes. We’ll help you when the banks won’t. We take great pride in putting families back on track for a better future.

competitive rates

Competitive Rates

home renovation loan

Lending Since 1984

same day loan

Funds in Your
Account in 48 hrs

no proof of income

No Proof of Income

1 million in loans

Borrow up to $1,000,000

How It Works

We make non-bank borrowing as easy as 1-2-3, all you need to qualify is to own your home or your current model car.

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Apply in Minutes

Apply online and answer a few simple questions about your home and you'll be minutes away from cash in your account. Or, simply call our loan centre and one of our agents will be happy to assist you.

Get Approved Same-Day

One of our customer loan agents will contact you to review your application and discuss a customized loan plan with you. If you apply after business hours, your approval can be processed the next business day.

Receive Funds

Once approved, you loan agent will explain how the funds will be automatically deposited into your account. And voila, its really that simple!!

Helping Canadians Since 1984

Since 1984, we’ve helped thousands of Ontario residents get the loans they need and help improve their credit scores. Nothing speaks louder than the kind words from our customers.

Valerie Henry
Valerie Henry
a month ago
I recently met with representatives at Prudent Financial Services in Toronto. As always, the agents with whom I worked were very thorough, professional and knowledgeable in all aspects of the transaction. They were non-judgmental and I was treated with dignity and respect. Furthermore, the environment of this establishment is welcoming…
Sue Nicastro
Sue Nicastro
a week ago
Farrukh is absolutely the BEST loan officer to deal with! If you need anything he will help you the best that he can! He is professional, efficient and most importantly such a kind person! I have been with Prudent for years and Farrukh by far has been the absolute BEST!…
Linh Luu
Linh Luu
a month ago
Thank you so much Noami for making my secure loan experience a pleasant one. I was in and out in under 2 hours and got my funds deposited the same day. I appreciate the way you were able to guide me through the process without a hitch. I would definitely…
Justin Bregman
Justin Bregman
2 months ago
Working with Jonah was an amazing experience! He’s extremely knowledgeable, very hard working and he always put my best interest first. Jonah also has a very good pulse on the real estate market. So when it comes to give the best financial advice on interest rates, there is nobody I…
Craig Evoy
Craig Evoy
4 months ago
Prudent financial services was very pleasant to deal with. Very straight forward and no hidden surprises. Farrukh was my loan office, he was kind, friendly and helped me out tremendously. He was very knowledgeable and understanding of my individual situation and privided me with an adequate solution to my financial…

The Prudent Choice

Being a top bank alternative lender we are pleased to work with all kinds of credit situations and because we are an equity lender, you won’t be asked to present proof of employment or income.

no proof of income

No Proof of Income Required

competitive rates

Affordable Rates & Terms

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Improve Your Credit Score

Financial Resources

We’re alway here to help.  Browse our free tips for wise financial management, saving, investing, credit score improvement and much more to keep your money where it belongs.  In your pocket.

Secure Your Loan. Apply Today!

Click below to submit your loan application.