Why Obtain Lending Through Us?

  Well, here are 7 reasons:

  1. We are here to inform and educate you, not convince you.

  2. We have access to the most competitive rates for your unique borrowing scenario.

  3. We are upfront with any applicable fees, no surprises. Most of the time, lenders pay us, YOU don't.

  4. We don’t have quotas, we will not push you into anything.

  5. Forget traffic, forget waiting in a branch. Just meet us virtually from the comfort of your home, coffee shop, basically anywhere with an internet connection!

  6. We are on your side when representing your situation and we know what the lenders are looking for in a deal so you get the strongest chance of approval.

  7. Through our brokerage, DLC (Dominion Lending Centres), we can access all potential lenders to find the best rate and solution for YOU, not the best rate for your bank.

So, what are you looking for?


A mortgage is one of the largest financial decisions you will ever make.


There is a lot of information that you will want to know when taking a mortgage with any company. Features and contracts are unique and sometimes complex in their inner workings.



  • Thinking of buying a home to live or to invest?

  • Call us to get pre approved, so you can know how much house you can buy

  • We will walk you through the entire process and hold your hand every step of the way

Home Equity Line of Credit:

  • Need quick access to capital?

  • Favourable interest rates

  • Borrow up to 80% of the value of your home without having to visit your bank every time you need cash


  • Have high interest debt, plans to renovate your home, or need to purchase a vehicle?

  • A refinance could put all of your payments into one simple lower interest one

  • It is always worth a 5 minute chat to see if you can save money 

Purchase Plus Improvements:

  • Bought a fixer-upper?

  • Access the mortgage and capital you need to update to the home of your dreams at the same time

  • Provides flexibility to the range of homes you could potentially buy and gives you control in negotiating a price with the seller


  • Always been with the same lender?

  • Renewal rates with lenders aren't always the best in the market and it's up to you to negotiate 

  • It may be time to look at switching your mortgage to a new lender 

Commercial Mortgages:

  • Access our network of commercial lenders to suit your commercial borrowing needs


Loans & Lines of Credit

Secured & Unsecured

We all need credit for both the planned, and the unexpected.


There are a lot of reasons we use credit, there are also many different methods and ways to borrow. Features and contracts are unique and sometimes complex in their inner workings.


Specialized & Investment Lending

Lending comes in many interesting shapes and sizes


There are alot of reasons we use credit, there are also many different methods and ways to borrow. We have some of the strongest lending knowledge, with the most effort in getting you approved for complex lending products.


Gemba Finance Inc is a proud member of the Canadian business community. We strive to educate and collaborate with like-minded businesses to make a difference environmentally and socially. People, Planet, and Profits. Let’s collaborate!

© 2020 Gemba Social Finance Inc.

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