Second Mortgage Solutions When the Bank Says No
Flexible, homeowner-focused mortgage options — even if your income, credit, or debt situation doesn’t fit “bank rules.”
🛡️ Licensed in BC 🤝 100+ lenders ⏱️ 24–48h approvals
Access to hundreds of private & alternative lenders — not just one source
Lower fees and rates compared to large “TV ad” lender companies
No upfront costs — we only get paid when your mortgage is approved
Personalized plan to get you back to prime rates within 1–2 years
Find Out If You Qualify — No Obligation
Fast, confidential, no obligation.
100+ Lenders, One Application
Private, alternative, and institutional options so you’re never stuck with just one bank’s answer.
24–48 Hour Approvals
We move fast when you need it most, without endless paperwork or judgment.
Transparent & Human
Clear terms, honest guidance, and a plan to help you get back to prime rates over time.
About New Day Financial
My name is Jeff Evans, President of New Day Financial and an active mortgage broker with Mortgage Architects, one of the most reputable mortgage brokerages in Canada.
With access to hundreds of lenders, I help clients who qualify for traditional bank mortgages — and those who don’t — find the best possible solution for their situation, not just the first lender willing to say yes.
Unlike large private lending companies you see on TV and radio — who offer only their own funds (often at higher rates, large fees, and restrictive terms) — my role as a true broker is to search the entire market and negotiate the fairest rates, fees, and conditions based on your needs.
Over my 19 years in the industry, I’ve seen too many people end up in costly mortgages simply because they didn’t know they had better options. One real case involved a terminally ill senior approved elsewhere with 20% in fees, but through a lender I work with, he got a much lower rate and minimal fees — saving thousands.
I don’t just get you a mortgage — I help** set you up for the future**, improve your credit, and prepare you to move into a better mortgage within 1–2 years wherever possible.
My approach is simple:
-If I can help, I’ll tell you quickly.
-If I can’t, I won’t waste your time.
-And I don’t get paid unless I succeed in getting you a mortgage.
It all starts with a quick, free 10-minute conversation to see what’s possible.
What clients say
"Jeff was amazing at helping us get a mortgage for our home! We took a year but he was very patient and understanding. He was always happy to answer any questions we had and addressed any concerns we had along the way. We had specific requests for our mortgage and he made the process very easy and straightforward. He is very hardworking and knowledgeable and we highly recommend him if you are looking to get a mortgage!"
— Karen L., Greater Vancouver
"Jeff is a great, knowledgeable and professional mortgage broker. We were impressed how meticulously and fast, he secured our application. We are very happy that we worked with Jeff as he always listened to our needs and provided us with the best advice in the shortest time. We would definitely recommend him to our friends and family."
— Mahmood Mazrouei, Greater Vancouver
“I was pleased with Jeff's service. I was shopping among the big banks and Jeff end up getting significantly more in mortgage with less conditions than the big banks. He is very knowledgeable and professional. He walked me through the whole process and followed up with me even when the deal was finished. I highly recommend Jeff to those seeking mortgage!”
— Terence F., Greater Vancouver
The Smarter Alternative to Big Banks and Overpriced TV Mortgage Companies
Traditional Banks
✖ Usually limited to a single lender. Do not have alternative or private lender options for difference cases.
✖ Transactional approach — policies first, your needs second.
⚠️ Competitive only with perfect credit and low debt.
✖ Restrictive underwriting and fewer product options.
✖ Paperwork-heavy, slower approvals.
⚠️ Bank penalties and limited flexibility.
tv and radio guys
✖ Often only provide funding through their mortgage funds, even if you can qualify for bank or alternative lending.
⚠️ Sales-driven, high-volume funnels — not tailored advice.
✖ Higher rates/fees to cover heavy advertising & referral costs.
⚠️ Mixed paperless/manual process; call-center style service.
✖ Experience varies; complex files often pushed aside.
⚠️ Updates can be slow and generic.
New Day Financial
✓ Access to 100+ lenders — major banks to private options.
✓ Consultative strategy tailored to your goals and timeline.
✓ Competitive options across prime, alternative, and private.
✓ Creative solutions for unique income, credit, or property types.
✓ Fast, paperless process with clear milestones and funding timelines.
✓ Transparent pricing — no hidden mark-ups or referral fees.
✓ Direct communication, proactive updates from start to finish.
How it works
Free consult
Share your goals and timeline — zero pressure.
Equity review
We assess your property value and situation.
Match lenders
We compare options across 100+ partners.
Get funded
Choose your best offer and access funds fast.
Smart ways to use your home equity
Consolidate debt
Trade chaos for one manageable payment and start fresh.
Home renovations
Boost comfort and property value — kitchen, bath, roof and more.
Unexpected expenses
Medical, family, or emergency needs — breathe easier with a buffer.
Business or investment
Use equity thoughtfully to unlock new opportunities.
Questions you may have
1. Can I qualify for a mortgage even if the bank turned me down?
Yes. We work with over 100 lenders, including private and alternative options that often approve clients the banks can’t. Whether it’s income verification, credit score, or property type — we’ll find a solution that fits your situation.
2. What credit score do I need to get approved?
Every lender has different criteria. Many of our alternative or private lenders can work with credit scores as low as 500–550, depending on equity and income. Even if your score is lower, we can usually help with a short-term solution to rebuild credit and refinance later at better rates.
3. Can I use my home equity to consolidate debt or lower my monthly payments?
Absolutely. Refinancing or taking an equity loan can help you pay off high-interest credit cards, car loans, or other debts — often freeing up hundreds of dollars each month in cash flow.
4. Do I have to move my existing mortgage to work with you?
Not necessarily. We’ll review your current mortgage, compare it with new lender options, and show you whether switching or staying put makes the most sense financially. The goal is always your best long-term outcome, not forcing a move.
5. How long does it take to get approved?
Some approvals can happen within 24–48 hours once documents are submitted. More complex files may take a few days, but we’ll keep you informed every step of the way.
6. Will I have to fill out a lot of paperwork?
Not at all. Our process is fully digital — you can complete the application and upload documents securely online. We handle the rest.
7. Do you charge any upfront fees?
No, there are no upfront fees for standard applications. By law, we are prohibited from charging up front fees for mortgage applications. We can only receive compensation for successfully funded mortgages.
8. Is my information secure when I apply online?
Yes. Our online forms use bank-grade encryption and are fully compliant with Canadian privacy regulations. Your information is never shared without your consent.
9. Who will I be working with after I apply?
You’ll be connected directly with Jeff Evans or a licensed mortgage professional from our team — not a call centre. We’ll review your goals personally and guide you from application to funding.
Ready to put your home equity to work?
Book your free consultation now - fast, confidential, no obligation.
New Day Financial
New Day Financial is part of A Better Way – Mortgage Architects – New Day Financial. Licensed Mortgage Broker in British Columbia. Member of Canadian Mortgage Brokers Association.
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