Private Mortgages
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Rates from From 6.99%

Private Mortgages

Alternative Lending Solutions

When banks say no, private lenders say yes. Private mortgages provide flexible financing based on your property's equity — not your credit score or income documentation. Whether you need short-term bridge financing or a longer-term solution, we connect you with trusted private lenders across Canada.

Why Choose Us

Benefits of Our Private Service

Equity-Based Approval

Qualify based on your property's value, not your credit score or income.

Fast Closing

Private lenders can fund in as little as 3–5 business days for urgent needs.

Flexible Terms

Open mortgages with no prepayment penalties — pay off early without fees.

Bridge to A-Lending

Use private financing as a short-term solution while rebuilding credit or income.

Our Process

How It Works

01

Property Assessment

We evaluate your property's equity to determine borrowing capacity.

02

Lender Matching

We match you with trusted private lenders offering competitive terms.

03

Quick Approval

Private lenders review and approve based on equity — often within days.

04

Fast Funding

Funds disbursed quickly so you can move forward with your plans.

FAQ

Frequently Asked Questions

A private mortgage is a loan from a non-institutional lender — either an individual investor or a mortgage investment corporation (MIC). They focus on property equity rather than credit scores, making them ideal when traditional financing isn't available.
Private mortgage rates typically range from 6.99% to 12%, depending on the loan-to-value ratio, property type, and risk factors. While higher than bank rates, they provide access to financing that wouldn't otherwise be available.
Most private lenders will finance up to 75–80% of your property's appraised value. Some may go higher for prime properties in strong markets, though rates increase with LTV.
Yes — private mortgages typically include a lender fee (1–3% of the loan amount) and legal fees. We're transparent about all costs upfront so there are no surprises.
Most private mortgages are 1-year open terms, renewable annually. The goal is usually to transition back to traditional financing within 1–2 years.
Yes. Private lenders focus primarily on property equity. Clients with bankruptcies, consumer proposals, or very low credit scores can qualify if they have sufficient home equity.
Get Started

Get a Private Mortgage Quote

Find out how a private mortgage can solve your financing challenge — free, no-obligation consultation.

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AND SAVE $1,000s IN INTEREST

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Get a Private Mortgage Quote

Find out how a private mortgage can solve your financing challenge — free, no-obligation consultation.