When banks say no,
there are other options.
Private mortgage lending in Ontario is a legitimate, regulated market. We help homeowners access the equity they've built — clearly, honestly, and without unnecessary pressure. Here's what we offer.
Our Solutions
Private mortgage products for Ontario homeowners
Each product is designed for a specific situation. Select the one that best matches your needs to learn more.
How It Works
From first call to funded — typically 5 to 10 business days
Private mortgage approvals move faster than banks because decisions are based on property equity, not lengthy bureau reviews.
Tell us your situation
Complete a short application or call us directly. We need to understand your property, equity position, and what you're trying to accomplish.
We review and source options
We assess your file and identify suitable private lenders from our network. We'll explain the realistic terms before proceeding.
Commitment letter issued
Once a lender is confirmed, you receive a written commitment outlining rate, fees, term, and conditions. No surprises.
Legal and funding
Your lawyer reviews and prepares documents. Funds are advanced on the agreed closing date, registered on title.
Document Checklist
What to have ready
Private mortgage applications require less documentation than bank applications, but some basics are still needed. Having these items ready speeds up the process significantly. Not everything on this list is always required — your broker will advise on what applies to your situation.
Start Application- Recent mortgage statement(s) for all properties
- Property tax bill or assessment notice
- Two pieces of government-issued ID
- Recent pay stubs or Notice of Assessment (T1 General)
- Bank statements (last 3 months) if available
- Any existing appraisals or property information
- Details of any outstanding liens or judgements
- Void cheque or direct deposit information
Ready to explore your options?
No obligation. We'll review your situation and tell you honestly what's available and what it will cost.