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


9AM - 9PM. 7 Days A Week






      Who Am I


      As an alternative lending specialist, I have access to a broad spectrum of mortgage lenders with products that offer solutions for any type of borrower regardless of credit, income and debt levels.

      I’m a passionate mortgage agent that is well versed in all types of mortgage financing. I have successfully approved borrowers across Ontario for multiple types of mortgages on a daily basis, so there isn’t a scenario I haven’t found a solution for.

      I will not judge you. I’m here to listen to your story and help you overcome financial obstacles so you can improve your overall situation and return to traditional lending products as soon as possible.

      What I do


      My expertise is to help homeowners just like you get approved for mortgages after being turned down by banks and other lenders. Don’t get frustrated – get approved!

      I specialize in finding out-of-the-box lending solutions to meet the unique needs of all clients.

      With the latest round of mortgage qualification rule changes, more borrowers now than ever, no longer qualify under traditional measures. I’m here to bridge the gap and help you alleviate debt and improve your credit score so that you can qualify with a traditional lender as soon as possible.

      My Commitment To You


      I’m dedicated to helping clients secure the very best mortgage solution possible regardless of credit, debt or income levels. It’s a part of my job to help alleviate your stress by getting you approved for a cost-effective mortgage while you work though your issues. And once we have helped you solve your problems, we can then move you into a traditional product at the very best rates.

      I’m committed to coaching you through the rough patches as life happens so that you can help secure the best possible financial future for you and your family.

      Call Now & Get Your Mortgage Approved Today!

      A Little About Arash Sef

      Arash is a passionate and accredited mortgage agent with many years of experience in the financial industry. Arash doesn’t believe in motivation. He’s more a believer of preparation, execution and results. His effective problem solving skills paired with his honest approach with all clients make Arash a broker looking out for your best interest. Arash interprets his professionalism and customer service skills as the two most important qualities he carries as a mortgage agent. He also prides himself on his other attributes such as being attention to detail oriented, along with keeping the client’s best interest at heart. Arash is always up front with his clients about all fees and costs associated with every mortgage he arranges.

      Arash believes as a mortgage professional, it is an industry wide duty to be always straightforward and honest with all borrowers from the beginning to the end of the mortgage process.

      Arash’s main objective is to understand your short and long term financial goals. This allows him to find you up to date and suitable mortgage products in the marketplace which addresses your needs.

      When he’s not brokering mortgages (rarely), Arash likes to spend his free time with family and friends. He enjoys outdoor activities such as fishing, golfing and playing soccer. Arash is also a big supporter of the Foundation for Sick Children. He is very humbled to be in a position to support such a great charity. He’s been donating to this charity every year for the past decade. Overall, Arash is a huge advocator of giving back to the community and those in need of a hand.

      With access to 200+ lenders, Arash has proven that there is a mortgage solution for every single borrower, regardless of blemished credit or lack of income.
      Arash’s expertise, knowledge and proficiency will assist you with all of your difficult mortgage decisions!

      Arash Sef

      "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

      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