Private & Alternative Mortgage Solutions in Newmarket
Funding freedom from Main Street to Mulock Drive—creative mortgages in days, not months
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Big-Bank Decline? Let’s Turn It into a Yes—Fast Private Funding
From self-employed tech consultants on Davis Drive to families eyeing a fixer-upper near Upper Canada Mall, our Newmarket-based team unlocks private and alternative mortgage solutions banks overlook.
We negotiate with Ontario private investors, MICs, and local credit unions to secure interest-only terms, second mortgages, and bridge loans, sometimes funding in under 10 days. You’ll get straight-talk advice from neighbours who know Holland Landing bidding wars and GO-train closing deadlines.
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FAQs for Private & Alternative Mortgage Solutions in Newmarket, Ontario
Are private mortgage rates in Newmarket much higher than bank rates?
They usually land 1–3 percentage points above the posted bank specials because the lender assumes more risk. We shop a network of Ontario investors to keep that spread tight and often use interest-only payments to protect monthly cash flow.
Can a private mortgage finance a heritage renovation on Main Street?
Absolutely. Many prime lenders avoid older brick storefronts, but our alternative partners see the upside in Newmarket’s historic core. We set up short-term funding so you can restore, add value, and refinance with a mainstream lender later.
Will alternative lenders accept business bank statements instead of tax returns?
Yes. If your landscaping company writes off heavily or your Shopify sales spike after tax filing, we compile 12–24 months of deposits to prove income. Lenders focus on real cash flow, not just your line 15000.
How fast can a private mortgage close in Newmarket?
With a firm offer and core documents, we can often fund in 5–10 business days—ideal for tight closings in Stonehaven or Glenway Estates. Our in-house team coordinates appraisal, legal, and investor approvals to keep things moving.
Will paying off a private mortgage early trigger big penalties?
Most private loans carry a three-month-interest prepayment fee, but we negotiate clear terms up front. In many cases investors reduce or waive the charge if you refinance through our team into a prime product.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100% accurate information.
