When the Banks Say No, We Say Yes
Equity-Based Approvals
Approvals based on your home equity, not just your credit score.
Fast Closings
Close in as quick as 48 hours for time-sensitive situations.
Flexible Qualification
Flexible criteria that work for complex income and unusual properties.
Interest-Only Options
Interest-only payment options to keep monthly costs low.
Bridge Financing
Short-term bridge financing available between transactions.
Exit Strategy Planning
We build a clear exit strategy so you can return to prime lending.
Private Lending for Unique Situations
When traditional banks say no, private lending says yes. We have access to private mortgage funds for unique situations — credit issues, complex income, unusual properties, or time-sensitive closings. Private lending focuses on equity and the property rather than strict income and credit requirements.
Who Uses Private Mortgages
Private mortgages are ideal for self-employed borrowers, those with bruised credit, owners of non-standard properties, or anyone needing fast, short-term financing. They're a bridge — not a forever solution — and we help you plan the path back to prime rates.
A Vetted Network
We work with a carefully vetted network of private lenders, MICs (Mortgage Investment Corporations), and individual investors to find the right fit for your situation.
Fast Funding When Time Matters
Sometimes you can't wait for a bank's 4-6 week process. Private lenders can often fund in as little as 48 hours, making them ideal for stopping power of sale, closing a time-sensitive purchase, or bridging between transactions. We coordinate the entire process — from finding the right lender to managing legal documentation — so you get the funds you need, fast.
Explore Private Options
Our 3-Step Private Lending Process
1. Situation Assessment
Understand why traditional financing didn't work and what private solution fits best.
2. Private Network Search
Access our network of private lenders, MICs, and individual investors.
3. Quick Funding
Close quickly with proper legal documentation and exit strategy in place.
Understanding Private Mortgage Rates & Terms
Private mortgage rates typically range from 7-14% depending on risk, loan-to-value (LTV), and property type. Terms are usually 1-3 years, giving you time to improve your credit, sell, or refinance into a prime mortgage.
Is Private Lending Safe?
All private mortgages go through licensed lawyers and follow provincial regulations. We vet every private lender carefully and ensure full transparency on rates, fees, and terms before you commit.
Private mortgages are a short-term bridge — we always build a clear exit strategy to get you back to prime rates.
Private Mortgage Frequently Asked Questions
Need Financing the Banks Won't Provide?
Private lending could be the answer. Let us assess your situation and find a solution — it's free to explore your options.