Fund Private Mortgage Opportunities in Ontario
We work with private lenders who fund Ontario real estate transactions. Deals are screened, documented, and presented with full transparency. We coordinate the process — you make the lending decision.
What we provide
Services provided to lending partners
We handle the intake, screening, documentation, and coordination. Lending partners receive structured deal packages and make independent funding decisions.
Deal Screening
Each deal is reviewed against established criteria before presentation. Deals that do not meet minimum equity, property quality, or exit strategy standards are not presented to lending partners.
Structured Presentation
Deals are presented in a standardized format — borrower profile, property details, LTV analysis, exit strategy, and risk summary — so lenders can evaluate consistently.
Documentation Packages
We compile supporting documentation: appraisal reports, title searches, insurance confirmations, borrower disclosure, and income documentation where applicable.
Legal Coordination
We work with solicitors on both sides to facilitate mortgage preparation, registration, and disbursement. Lenders are free to use their own counsel.
Deal presentation
How deals are presented to lenders
Each deal is presented in a consistent format. Lenders receive the same categories of information for every deal, enabling informed and comparable review.
Borrower Profile Summary
Overview of the borrower's situation, credit profile, employment or income context, and reason for seeking private financing.
Property Details
Address, property type, current condition, recent appraisal or comparable market data, and municipal context.
LTV Analysis
Loan-to-value calculation based on appraised value, proposed mortgage amount, and any encumbrances ahead in priority.
Exit Strategy Assessment
The borrower's stated and assessed plan for repayment or refinancing at the end of term — sale, institutional refinance, or other.
Typical deal parameters
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.
Deal types
Types of transactions we broker
Our deal flow covers a range of Ontario private mortgage transaction types. Each has different security structure, risk profile, and term characteristics.
First Mortgages
Senior security position on residential or commercial property. Typical LTVs up to 75% for residential properties in strong markets.
Second Mortgages
Secondary security position behind an existing first mortgage. LTV analysis accounts for the combined mortgage balance relative to property value.
Bridge Loans
Short-term financing bridging a gap between property transactions. Terms typically 3–12 months with clear repayment triggers.
Construction Draws
Staged funding for construction or major renovation projects. Disbursement tied to construction milestones with inspection requirements.
Process
How a deal flows from intake to funding
Lenders engage at the presentation stage. The intake, screening, and documentation steps are completed before a deal is shared with lending partners.
Deal Intake
Borrower application and property details received. Initial feasibility review conducted against lending criteria.
Due Diligence
Documentation compiled: appraisal ordered or reviewed, title searched, borrower disclosure prepared, LTV confirmed.
Lender Presentation
Qualified deal presented to appropriate lending partners with full documentation package and deal summary.
Commitment & Funding
Lender issues commitment letter. Legal instructions issued. Funds disbursed upon legal completion.
Risk framework
An honest discussion of risks in private lending
Private mortgage lending carries meaningful risk. Prospective lenders should understand these risks clearly before funding any transaction.
Borrower Default
Borrowers may fail to make payments or repay at maturity. Recovery depends on enforcement through power of sale or foreclosure, which takes time and incurs cost.
Property Value Decline
If property values fall after funding, the security may not be sufficient to recover the full amount lent. LTV buffers exist to mitigate this risk, but do not eliminate it.
Enforcement Delays
Power of sale and foreclosure proceedings in Ontario take time. Legal and carrying costs accumulate during enforcement. Outcomes are not guaranteed.
Title and Legal Risk
Issues with title, undisclosed encumbrances, or errors in legal documentation can affect enforceability. Title insurance and qualified legal counsel reduce but do not eliminate these risks.
Illiquidity
Mortgage investments are not liquid instruments. Capital is committed for the term of the mortgage and cannot typically be retrieved before maturity without borrower cooperation.
Lending partners
What we look for in lending partners
We work with lenders who are operationally prepared to engage with private mortgage transactions. Productive partnerships are built on clear expectations on both sides.
Capacity to fund on defined timelines
Established process for deal review and commitment
Clear position on property types, geographies, and LTV limits
Willingness to engage with legal counsel for each transaction
Understanding of the risks associated with private mortgage lending
Important note
We are a licensed mortgage brokerage. We facilitate transactions between borrowers and lenders. We do not act as investment advisors and do not provide financial planning advice.
Lenders should conduct their own due diligence and seek independent legal and financial advice before funding any transaction. We recommend consulting qualified legal counsel familiar with Ontario mortgage law.
Risk Disclosure
Private mortgage lending involves risk, including potential loss of principal. Past performance is not indicative of future results. Prospective lenders and investors should conduct independent due diligence and seek professional advice.
Discuss Lending Opportunities
If you are an active private mortgage lender looking for Ontario deal flow, we welcome a conversation about how we work and what our current deal pipeline looks like.