Arash Sef – Mortgage Agent – Lic# M15002076 – Mortgage Associates Ontario Inc. Brokerage Lic #12340


9AM - 9PM. 7 Days A Week



Need A Home Equity Loan?

Own Your Home?

You’re Approved!

Borrow Up To            Of
Your Home Value!



    Consolidate All Of Your
    High Interest Debts Into
    One Monthly Payment!

    Debt Consolidation Loan

    Access Your Home Equity
    With A Low Rate
    Home Equity Loan
    Or Second Mortgage!

    Home Equity Loan

    Second Mortgage


      Approved Equity Will Approve Your Home Equity Loan For Any Of The Following Reason:

      We’ve successfully assisted hundreds of homeowners in accessing funds from their home equity through our Approved Equity.

      Approved Equity

      Get Your Mortgage Approved Today!

      As an alternative lending expert, I specialize in assisting clients who have been turned down by the banks and other traditional lenders due to such considerations as self employment, credit issues or falling short on income. Since my lenders lend based on equity in a property as opposed to a client’s credit score or income level, I can provide a customized solution!

      I will walk you through the refinance/home equity loan process, answering any questions you have along the way. I will highlight the many benefits of refinancing, which includes putting your hard-earned money to better use instead of towards paying high interest rates on credit card debts and loans.

      Looking for a second mortgage for renovations, debt consolidation or simply to improve your cash flow? We’ll approve your second mortgages with low rates and flexible terms through our extensive portfolio of private investors.

      Contact me today to have your home equity loans approved in less than 24 hours! We can close as quickly as 3 days!

      Home Equity Loans Approved In Less Than 24 Hours!

      About Us

      When it comes home equity loans and private mortgages, Arash Sef with Approved Equity is recognized for providing cost-efficient solutions to a wide variety of clients in the form of refinance mortgages, second mortgages, home equity loans, construction mortgages, home equity lines of credit, and other mortgage solutions.

      Arash prides himself on improving each client’s financial situation, ensuring you’re in a mortgage that makes the most sense based on your unique needs, with an exit strategy in place to ensure you can return to more traditional lenders as soon as possible.

      Get Approved for a home equity loan up to 90% of your home’s value.

      Arash at Approved Equity has helped hundreds of clients from all over Ontario resolve issues involving mortgage arrears, property tax arrears, CRA arrears and blemished credit.

      "When you don’t fit into the banks’ narrow lending box, I’m here to help!"

      "My work isn’t complete once we arrange your mortgage. I also assist with credit rebuilding programs and I’m here throughout the term of the mortgage to ensure you progress as quickly as possible into traditional funding means with access to the best available mortgage options and rates."

      - Arash Sef

      Consolidate Debts With A Second Mortgage

      Consolidate all of your high-interest credit debts into one second mortgage! Make ONE payment every month instead of paying several different creditors.

      You’ll save money on interest and your credit rating will increase by paying off your debt sooner. We can consolidate the debt into a second mortgage, behind the first mortgage on your property, where it won’t reflect on your credit bureau or impact your credit rating.

      I understand your mortgage inquiry requires immediate attention. With access to 200+ lenders, I will approve your mortgage in less than 24 hours!

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      Funded Deals

      Get Approved For A Second Mortgage Today And Start Saving Immediately!

      Current Mortgage
      Second Mortgage
      Home Value: $500,000
      Home Value: $500,000
      $300,000 1st Mortgage Balance = $1,450/ per month
      $300,000 1st Mortgage Balance = $1,450/ per month
      Before Second Mortgage
      $100,000 Second Mortgage = $500/month
      $50,000 Credit Card Debt @ 20% = $833/month
      Credit Card Debt = Paid
      $25,000 Auto Loan @10% = $208/month
      Auto Loan = Paid
      $25,000 Store Card @29% = $604/month
      Store Card = Paid
      Total $3,095/month
      Total $1,950/month
      You Save $1,145/month!!!
      Current Mortgage
      Second Mortgage
      Home Value: $500,000
      Home Value: $500,000
      $300,000 1st Mortgage Balance = $1,450/ per month
      $300,000 1st Mortgage Balance = $1,450/ per month
      Before Second Mortgage
      $100,000 Second Mortgage = $500/month
      $50,000 Credit Card Debt @ 20% = $833/month
      Credit Card Debt = Paid
      $25,000 Auto Loan @10% = $208/month
      Auto Loan = Paid
      $25,000 Store Card @29% = $604/month
      Store Card = Paid
      Total $3,095/month
      Total $1,950/month
      You Save $1,145/month!!!

      Fast Turn Around Time & Efficiency​

      I pride myself on providing supreme efficiency and quick turnaround times on all mortgage inquires. With access to my extensive list of real estate investors, I’m able to assist homeowners with those “hard to place mortgages” in a short period of time. My professionalism and lengthy experience in the industry will allow for stress free and painless mortgage process.

      I never charge clients upfront fees. I offer free no-obligation consultations to all homeowners looking for unbiased and up-to-date information on your very best options.

      From the first time I spoke to Arash Sef, I felt comfortable and at ease, and that was all due to his calm, patient, and non-judgemental personality.

      Arash is very knowledgeable and confident in his profession, and in my experience, delivered what he said he could, no empty promises, even though I had what I thought was a complicated file.

      If I had to go through this process again, I would definitely go to Arash because of his patience, knowledge, and the fact that he was with me every step of the way.

      Toronto, ON

      I would say that Arash was very efficient and gave excellent customer service was prompt with all his return calls and help while I was under pressure, in a reassuring fast service. I would recommend Arash to anybody looking for financial assistance.
      Debra R.
      Hamilton, ON.

      Thanks to Arash and Approved Equity Loans I was able to close my pre construction purchase. After the stress test, I was no longer qualified for the mortgage amount. Arash was still able to find me a lender that did not use to the stress test and got my mortgage approved!
      I will always be grateful for your help Arash.
      Joyce D. 
      Barrie, ON

      I wanted to take a moment to say thank you to Arash. Our mortgage was far from an easy one. However, he was able to assist us in one week. We came to Arash in panic, looking for a home equity loan as we were in a power of sale with current mortgage. We had missed 3 mortgage payments and we were afraid of losing our home.  Arash was efficient and made us feel extremely comfortable through out this process. His honesty was very noticeable.  He was successful in securing a secoand mortgage for us to pay off the missed payments on our first mortgage and we also consolidated all of our credit card debts.  His knowledge and experience was greatly appreciated. Thanks again for everything you did for us.
      Sally M. & John M.
      Oshawa, ON

      What a pleasant experience we had working with Arash at Approved Equity Loans. We contacted him for a short term home equity loan in order to pay off all of our high interest credit card debts. Arash made the process very understanding by explaining to us every step of the way. In a few words, I’d say that Arash was attentive, accessible and very knowledgeable. If anyone I know is looking for a home equity loan or mortgage, I wouldn’t hesitate to recommend Arash.
      Jim C & Alexandra C.
      Oakville, ON

      Arash, Thank you so much for helping us in such a timely manner, we couldn’t have done it without your help!!! Arash got us a second mortgage to assist with down payment of our new purchase. His work speaks for itself.  We will definitely refer to all of our family and friends.
      Sharlene M.
      Hamilton, ON

      Arash is extremely passionate about his job. Arash is always professional and client orientated.  As a realtor, I have enjoyed working with Arash on multiple deals for my clients. He’s always been able to deliver a solution for each one of my clients.  He’s proactive and updates me on a regular basis on all of my claients files.  Thank you Arash.
      Tony S.
      North York, ON

      Arash went above and beyond to help my parents with their mortgage needs during a very difficult time in their lives. His compassion and professionalism was commendable. I would highly recommend him.
      Michelle J.
      Toronto, ON

      Can’t say how much I appreciate the extra time and service Arash put into my mortgage… 1st class service!

      Raymond Y.
      Scugog, ON

      Arash has the best customer service ever! Always a quick response and very accommodating right away! Arash got me approved 3 different times! I hope to work with you again and again thanks!!

      Alicia A.
      Scarborough, ON

      As inexperienced first time home buyers, we needed someone who was patiently willing to explain every detail and give us as much information as possible. We have interviewed several agents and requested quotes from them; what set apart Arash from the rest was how he broke down the information and explained it.
      Another major point was how he was always on top of updating us with our file’s progress which was huge for us as we felt we had to chase down the other agents to get information. Arash also does have access to the best deals on the market, we know that because we do our research. The combination of all these points makes Arash the perfect man for the task.
      Bassem B. & Ghada Z.
      Markham, ON

      Arash is the man, he helped me painstakingly secured 2 mortgages which banks said no to. he’s very professional, hard working and easy to deal with. I will definitely go back to him for my future property investment.

      Wen H.
      Toronto, ON

      Arash was a complete professional in handling my mortgage application, from beginning to end. Not only was he dedicated to finding me the best rate for my brand new home, he even followed up on my behalf with my lawyer and builder to finalize details and paperwork. He kept me informed every step of the way. He was trustworthy, attentive and dedicated to providing me with the best experience in buying my first home. I highly recommend his services! Thank you so much for your hard work and for the fantastic outcome!

      Shannon D.
      Etobicoke, ON

      Lending Partners