From traditional bank mortgages to complex financing solutions, we help Canadians secure the right mortgage — not just any mortgage
Here’s what you don’t get walking into a single bank
Access to multiple lenders
Strategy vs rate shopping
Problem-solving ability
Advocacy during underwriting
Long-term planning
Understand your situation
Explore all lending options
Match strategy to lender
Guide you through approval
Support you through closing
Flexible solutions for purchases, renewals, or switching lenders. With experienced mortgage experts helping you save!
Learn moreFlexible mortgage options based on your home equity — ideal if you’ve been turned down by the bank or need fast access to funds.
Learn moreCombine high-interest debts into one affordable monthly payment using your home equity.
Financing options for investment properties, multi-unit buildings, and commercial assets.
Use the equity in your home to consolidate debt, catch up on payments, invest, or cover major expenses with a second mortgage.
Learn moreAccess the equity in your home without monthly payments — ideal for homeowners 55+.
If you’re facing power of sale or behind on payments, we can help you explore fast financing options to protect your home and equity.
Learn moreTransition from renting to owning with structured programs designed to help you qualify.
Rick is a mortgage professional focused on helping clients make smart, well-informed mortgage decisions in an increasingly complex lending environment. Rather than working for a single bank, Rick works on behalf of his clients, providing access to a wide range of lenders, products, and strategies.
✔ over 25 Years of experience in mortgage lending
✔ Focused on complex and non-traditional situations
✔ Dedicated to clear communication and fast responses
★★★★★ Rated 5 Stars on Google
“Amazing service. Helped me get approved when the banks said no. Very professional, fast, and honest.”
-Shane S.
“Excellent communication. Helped with a second mortgage and debt consolidation — couldn’t be happier.”
Lynda B.
“Very knowledgeable and helpful from start to finish. Made the entire mortgage process much easier.”
Domenic V.
As the #1 alternative mortgage broker in Ontario, Pure Mortgage Advisory Services helps homeowners find fast, flexible mortgage solutions when banks say no. Whether you’re dealing with bad credit, private lending needs, second mortgages, refinancing challenges, or power of sale pressures, our experienced team connects you with the best alternative lending options across Ontario. Whether you need to refinance your bank mortgage or need a second mortgage, private lending, or urgent power-of-sale support — we’re here to help.
Rick Bettencourt, Mortgage Broker Level 2,
FSRA License #M11002425
licensed with Chartered Finance, Brokerage #12791
#302 – 7300 Warden Ave, Markham, Ontario.
Mortgage services provided through Chartered Finance,
operating as Pure Mortgage Advisory Services
Helping Ontario homeowners access practical mortgage solutions with clarity and confidence.
© 2025 Pure Mortgage Advisory Services. All rights reserved.