Are private mortgage rates very high?

Private mortgage rates are higher than traditional rates, typically ranging from 7-12%. However, they serve as a valuable short-term solution. We always include an exit strategy to move you to better rates as your situation improves.

How quickly can I get approved?

Private mortgages can often be approved within a few days, compared to weeks with traditional lenders. This speed is especially valuable for time-sensitive situations.

Is private lending safe?

Absolutely, when done through a licensed mortgage professional. We work only with established, reputable private lenders. All terms are fully disclosed, and the mortgage is registered legally on title.

What is an exit strategy and why do I need one?

An exit strategy is a plan to transition from a private mortgage to traditional lending at a lower rate, typically within 1-2 years. We build this plan from day one, helping you address the issues that led to private lending so you can qualify for better terms as soon as possible.

Mortgage Service

Private & Alternative Lending

When traditional banks say no, we find a way

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Overview

Private Mortgage Lending in Ontario

Not every financial situation fits neatly into a bank's lending criteria. Private and alternative lending provides mortgage solutions for borrowers who don't qualify with traditional lenders due to credit issues, income documentation challenges, or unique property types. As a private mortgage specialist, I connect you with reputable private lenders offering fair terms.

Have questions? Call us directly647-222-7071

Benefits

When a Private Mortgage Is the Right Solution

Solutions when traditional banks decline
Quick approvals - often within days
Flexible qualification criteria
Short-term bridge financing options
Interest-only payment options available
Exit strategy planning to transition to prime lending

Private mortgage lending provides financing solutions for borrowers who do not qualify with traditional banks or alternative lenders. Private lenders focus primarily on the property's equity and value rather than the borrower's credit score or income documentation, making them an excellent option for self-employed individuals, borrowers with credit challenges, or those needing fast financing.

Private mortgages in Ontario typically range from 1-year to 3-year terms with interest-only payments. Rates are higher than traditional mortgages, but they serve as a valuable bridge when you need immediate financing or time to improve your credit profile. All private mortgages arranged through our office are registered legally on title, and all terms are fully disclosed before you commit.

The key to a successful private mortgage is having a clear exit strategy - a plan to transition to traditional lending at a lower rate, typically within 1 to 2 years. We build this strategy from day one, helping you address the issues that led to private lending so you can qualify for better terms as soon as possible. We work with reputable private lenders across Brampton, Toronto, and all of Ontario.

How It Works

How Private Mortgage Lending Works

We have streamlined the mortgage process to make it as smooth and stress-free as possible.

Situation Review

We understand your current challenges and why traditional lending isn't an option.

Lender Sourcing

We connect you with reputable private lenders who specialize in your situation.

Term Negotiation

We negotiate the best possible terms, rates, and conditions on your behalf.

Exit Planning

We create a plan to transition you to traditional lending at better rates within 1-2 years.

Areas We Serve

Private Lending Services Across the GTA & Ontario

We provide private & alternative lending services to clients across the Greater Toronto Area and all of Ontario. In-person and virtual consultations are available.

Find Your Nearest Office

Brampton

Toronto

Mississauga

Vaughan

Markham

Richmond Hill

Oakville

Burlington

Hamilton

Oshawa

Whitby