Private mortgage solutions, explained clearly.
When banks say no, private lending may offer a path forward. We help Ontario homeowners understand their options — with real terms, honest costs, and a direct answer.
Who we serve
Clear paths for borrowers, lenders, and investors
Whether you need financing, want to fund mortgages, or are exploring private mortgage investment — start here.
Solutions
Solutions for every situation
We specialize in private mortgage scenarios across Ontario. Each situation is different — here are the most common.
Transparency
How private mortgage decisions are actually made
Private lenders evaluate deals differently than banks. Understanding what matters helps you prepare.
Property equity is the primary factor
Private lenders focus on the property — its value, location, and the equity available. Strong equity can offset weaker income or credit.
Exit strategy matters
Lenders want to know how you’ll repay or refinance at term end. A clear plan strengthens your application.
Credit and income are context, not gates
Unlike banks with rigid cutoffs, private lenders consider your full situation. Credit history is reviewed, not used as a pass/fail.
Rates reflect risk, not penalty
Private rates are higher because they serve situations banks won’t. They’re tied to LTV, property type, and deal structure.
What lenders evaluate
Typically up to 75–80%
Lower LTV = better terms
Residential, multi-unit, commercial
Urban properties preferred
Usually 6–24 months
Short-term by design
Interest-only is common
Keeps monthly costs lower
Lender + broker + legal + appraisal
All disclosed upfront
Rates shown are indicative ranges for general information only. Your actual rate will depend on property type, location, loan-to-value ratio, borrower profile, and other underwriting factors. Rates are subject to change without notice.
Our process
From first call to funded
A clear, four-step process designed to give you answers quickly and close efficiently.
Tell us your situation
Share your property details, mortgage needs, and timeline. No obligation. No credit check at this stage.
Get a clear answer
We review your scenario and respond with a direct yes-or-no assessment, typical terms, and next steps.
Review your options
We present specific lender options with transparent rates, fees, and conditions.
Close with confidence
We coordinate legal, appraisal, and funding. You know the costs before you commit.
Rates & costs
Understand the real costs before you commit
Private mortgages have different fee structures than bank mortgages. We break down every cost so there are no surprises.
Rates depend on your specific deal — LTV, property, and borrower profile
All fees disclosed before you commit: lender, broker, legal, appraisal
Use our calculators to model scenarios and estimate total cost
We explain rate vs. APR vs. total cost of borrowing
Questions answered
What borrowers ask most
What is a private mortgage?
A private mortgage is a loan secured against real property, funded by individual or institutional lenders rather than banks. It’s typically used when traditional financing isn’t available or fast enough.
Why are private mortgage rates higher?
Private mortgages serve higher-risk situations that banks decline. The higher rate compensates lenders for the additional risk and the short-term nature of the loan.
How fast can a private mortgage close?
Many private mortgages can close within 5–10 business days, depending on property appraisal and legal review timelines.
Do I need good credit?
Not necessarily. Private lenders weigh property equity more heavily than credit score. Your credit history is reviewed as context, not as a hard gate.
What fees should I expect?
Typical costs include a lender fee, broker fee, legal fees, and an appraisal fee. All fees are disclosed before you commit. Use our calculators to estimate total cost.
Find out where you stand. No obligation. No credit check.
Tell us about your property and situation. We'll respond with a direct assessment — whether we can help, what it would look like, and what you need to get started.