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Private Mortgages
Short-term financing through private and alternative lenders when the banks say no — bruised credit, non-traditional income, tax arrears or a tight closing deadline in Ontario.
Who this is for
- Borrowers declined by A-lenders because of bruised credit, collections or a recent consumer proposal
- Self-employed, commission or cash-flow-based income that bank underwriting will not recognize
- Homeowners with CRA or property tax arrears, or a mortgage in default who need to stop a power of sale
- Buyers or owners facing a firm closing date who need funding in days rather than weeks
- Owners of rural, unique or mid-renovation properties that traditional lenders will not finance
- Investors bridging between a purchase and a sale, or finishing a renovation before refinancing
Key benefits
- Decisions driven by the property and available equity rather than credit score alone
- Typical funding in about 3 to 10 business days once an appraisal and lawyer are in place
- Interest-only payments on most private terms, keeping monthly carrying costs lower
- Flexible income documentation — many private lenders have no minimum credit score
- First and second mortgages available, generally up to about 75-80% of appraised value in urban Ontario
- Structured as a short-term bridge, normally 6 to 24 months, with a clear plan back to bank financing
How it works
1
Free review of your goal, property value, existing mortgages and any arrears — no credit pull to start.
2
I present the realistic private options: rate, lender and broker fees, loan-to-value and term, all in writing.
3
Appraisal and lender commitment. You review the full cost of borrowing before you sign anything.
4
Lawyer closes and funds, and we start on the exit plan so you can move to a lower-cost lender at renewal.
Frequently asked
Ready to talk it through?
A 10-minute call is all it takes to see what you qualify for. No credit pull to start.