Private & Alternative Mortgage Solutions in Ontario

Private rates are typically 1–3 percentage points higher than published bank specials because the lender is taking on more risk. We shop dozens of Ontario-based investors to keep premiums low and structure interest-only terms so your monthly cash flow stays manageable.

Yes. Many mainstream lenders shy away from seasonal or non-standard properties, but our alternative partners will finance waterfront cabins and three-season cottages around Ontario. We structure shorter terms so you can refinance back to a conventional product once the property is winterized or your profile improves.

Alternative lenders look at the whole story, not just a number. We’ve placed deals with scores in the mid-500s when equity and documented income supported the request. Expect slightly higher rates, but no last-minute denials because your score isn’t 680+.

With an accepted offer and basic docs in hand, we can often fund within 5–10 business days in most circumstances — perfect for bidding-war timelines common in many areas across Ontario. Our in-house underwriting streamlines appraisals, legal work, and lender approvals. Always good to get in touch with us to discuss in more detail.

Not at all. We design every private deal as a stepping-stone: 12–24 months to rebuild credit, prove income, or complete renovations. When you’re ready, we move you back to a prime-lender product — often with a lower stress-test rate thanks to improved financials.