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Mortgage, Refinancing & CMHC Advisory Services
Secure lender-ready applications, lower rates, and faster approvals with CPA-certified financials and CMHC-savvy guidance.
3,5k+
mortgage & refinance files supported
750M
in client financing packaged
99%
document acceptance by lenders & CMHC
3–10
bps typical rate improvement from stronger files*
Our Core Mortgage, Refinancing & CMHC Services
Mortgage Acquisition Support
We assemble lender-ready packages—CPA-certified income verification, net worth statements, and business financials—so you qualify for better rates and higher limits.
Refinancing & Debt Consolidation
We compare scenarios, restructure high-interest debt, and coordinate appraisals to reduce monthly payments while preserving tax efficiency and cash flow.
CMHC & Government-Backed Financing
We navigate CMHC programs (residential and multi-unit), prepare compliance documents, and align ratios (GDS/TDS, DSCR, LTV) to meet underwriting standards.
Private & Alternative Lending Solutions
When banks say no, we position your file for reputable private and institutional lenders—transparent terms, clear exit plans, and CPA-backed credibility.
Financial Ratios & CPA Reports for Lenders
We calculate DSCR, NOI, LTV, and stress-test scenarios, then issue CPA reports that increase approval odds and negotiating power.
Self-Employed & Corporate Borrower Support
We normalize owner compensation, add-back eligible expenses, and present consolidated statements so entrepreneurs are assessed fairly.
The Mackisen Advantage
CPA-certified financials trusted by banks, brokers, and CMHC
Underwriting-aligned packaging to reduce conditions and rework
Integrated tax planning to keep interest and structure efficient
Direct coordination with lenders, appraisers, and notaries
Bilingual support, secure portal, and fast turnaround
* Illustrative outcome; savings depend on credit, collateral, market rates, lender policies, and documentation quality.
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Do you offer bilingual service (EN/FR)?
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How do your fees and packages work?
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What industries do you specialize in?
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Do you offer a free consultation?
01
Do you offer bilingual service (EN/FR)?
02
How do your fees and packages work?
03
What industries do you specialize in?
04
Do you offer a free consultation?
01
Do you offer bilingual service (EN/FR)?
02
How do your fees and packages work?
03
What industries do you specialize in?
04
Do you offer a free consultation?
Get the rate—and approval—you deserve.
Book a free mortgage & refinancing consultation. We’ll package a lender-ready file, optimize your ratios, and negotiate terms that save real money.
Talk to an expert
Get the rate—and approval—you deserve.
Book a free mortgage & refinancing consultation. We’ll package a lender-ready file, optimize your ratios, and negotiate terms that save real money.
Talk to an expert
Get the rate—and approval—you deserve.
Book a free mortgage & refinancing consultation. We’ll package a lender-ready file, optimize your ratios, and negotiate terms that save real money.
Talk to an expert
Trusted by 5000+ customers
Trusted by 5000+ customers
4.7
From 100+ ratings
Caroline
Review on Google
I can confidently say that they deliver a level of service that goes beyond expectations. From the very beginning, I felt like I was in good hands.
Mary Michelle Reyes
Review on Google
I had my taxes done at Mackisen Consultation Inc., and I couldn’t be more satisfied. The technicians were not only highly skilled but also took the time to explain every detail.
Houman Gholipour
Review on Google
I do my taxes for me and also all members of our family with Mackisen since more than 25 years. They are very reliable and very patient and quick to support and react.
Joey D
Review on Google
I've been going to Mackisen for over 20 years to do my taxes and for other financial advice. I couldn't be happier with their service, making finance easy to understand.
Our Core Audit & Assurance Services
Financial Statement Audit (IFRS/ASPE)
The gold standard in financial reliability. We conduct independent audits that verify every figure in your financial statements, producing an auditor’s report with full assurance and credibility. Audited financials earn immediate trust from banks, investors, and regulators—enabling smoother financing, mergers, and growth.
Review Engagement (Mission d’examen)
When a full audit isn’t required, a review provides professional credibility at a lower cost. Through analysis and inquiry, we ensure your statements are plausible and accurate, giving lenders moderate assurance and improving borrowing potential.
Compilation (Notice to Reader / Mission de compilation)
Ideal for small businesses seeking clarity and organization. We compile your financial information into professional CPA statements that strengthen loan applications and internal decision-making—even without an audit opinion.
Special Purpose and Compliance Audits
For grants, government funding, or lender covenants, we perform targeted compliance audits. Our reports help you meet the requirements of regulators, boards, and funding agencies with confidence.
Internal Controls and Risk Advisory
Protect assets and reputation with a control audit that identifies weaknesses before they become problems. We review accounting systems, fraud prevention, and IT safeguards to enhance reliability and boost lender confidence.
IFRS/ASPE Conversion and Advisory
Transitioning from ASPE to IFRS or preparing for an IPO, merger, or acquisition? We manage the conversion—from policies to restatements—ensuring compliance and clarity for global investors and partners.
The Mackisen Advantage
Financial statements accepted by major banks and investors
Faster loan and financing approvals
Lower borrowing costs through verified transparency
Stronger confidence from investors and boards
Full compliance with IFRS, ASPE, and Quebec CPA standards
Comprehensive review of internal controls and fraud prevention
All our services
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