Private Lending

Lending when you need it the most

What We Do Best – Private lending

Loan Types

  • Self Employed
  • Unverifiable Income
  • Challenged Credit
  • Bankruptcy
  • Land Financing
  • Construction Financing

Financing Guidelines

  • 1st Mortgage - Up to 80% LTV in GTA and extended areas
  • 1st Mortgage - Rates from 6.99%
  • 2nd Mortgage - Up to 85% LTV in GTA and extended areas Southern Ontario
  • 2nd Mortgage - Rates from 8.99%
  • Terms - Available from 1- 12 months
Find out how much you can afford before you go househunting!

Private mortgage loans

Private mortgages are short- term, interest-only loans, typically 1 year or less and are considered a
“Band-Aid” solution. Designed to be a temporary means of financing so that you can work on
improving your situation to obtain a traditional bank mortgage.

Interest only loans do not require homeowners to pay the mortgage principal down, and instead only
require interest payments each month.

Private lenders have realized that conservative lending guidelines used by banks and conventional
lenders exclude many individuals who are in fact able to pay back loans. More importantly, private
lenders take into account a property’s overall value and marketability as opposed to simply the
borrower’s credit history.

Why would I use a private mortgage lender?

You would use a private mortgage under any of the following circumstances:

  • You want to purchase an unconventional property that a prime lender or bank won’t finance.
  • You need fast financing and do not want to wait for a long approval process.
  • Your bad credit history means you are being turned down by conventional lenders.
  • You only need a short-term loan
  • You have nonconformable income that is preventing you from obtaining a traditional mortgage

What's Next?

Get in Touch

First time buyer or refinancing? Call for a free quote!

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Apply Now

We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

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