# Total Advisory Services Ltd.

> Ontario-focused property and business financing. Other provinces reviewed case by case.

## Mortgage brokerage disclosure
Mortgage services arranged by Devinder Bumra, Mortgage Agent Level 2 (licence M17003094), with Universal Mortgages, brokerage licence #10039. Brokerage office: 808 Britannia Road W, Unit 201, Mississauga, Ontario L5V 0A6.

## Services
- [Commercial mortgages](https://www.totaladvisory.ca/services/commercial-mortgages/): Purchase or refinance commercial property with a structure that fits the asset and its cash flow.
- [Residential mortgages](https://www.totaladvisory.ca/services/residential-mortgages/): Plan a home purchase, refinance or renewal around your income, equity and next move.
- [Private residential loans](https://www.totaladvisory.ca/services/private-residential-loans/): Explore property-secured private financing for a bridge, refinance or time-sensitive need.
- [Private commercial loans](https://www.totaladvisory.ca/services/private-commercial-loans/): Consider a private mortgage for commercial property, bridge financing or a refinance.
- [Construction financing](https://www.totaladvisory.ca/services/construction-financing/): Explore private construction loans for a new build, renovation or development project.
- [Bank lines of credit](https://www.totaladvisory.ca/services/bank-lines-of-credit/): Explore a revolving operating line for working capital, inventory and seasonal cash flow.
- [Equipment financing](https://www.totaladvisory.ca/services/equipment-financing/): Fund machinery and business equipment while planning for monthly cash flow.
- [Truck loans](https://www.totaladvisory.ca/services/truck-loans/): Explore financing for commercial trucks, trailers and fleet additions.
- [Shareholder buyout loans](https://www.totaladvisory.ca/services/shareholder-buyout-loans/): Explore financing for an ownership transition or a departing business partner.

## Contact
- Email: contact@totaladvisory.ca
- [Enquiry form](https://www.totaladvisory.ca/#enquiry)
- [Agent and referral instructions](https://www.totaladvisory.ca/agents/)
- [Machine-readable catalogue](https://www.totaladvisory.ca/business.json)
- [Enquiry API definition](https://www.totaladvisory.ca/api/openapi.json)
- [Enquiry schema](https://www.totaladvisory.ca/enquiry.schema.json)

## Boundaries
Obtain client authorization before sharing details. The site accepts secure enquiries and returns a reference number; the agent API requires a private Bearer key. No enquiry is an approval, rate quote, credit authorization or commitment to lend. Final terms require lender review.