A bridge when the banks say no — with a clear exit.
Bruised credit, hard-to-document income, or an unusual property can stall a bank file. A private mortgage solves the immediate need. We structure it as a short-term step with a defined exit back to A-lending — not a place to stay.
- Licensed FSRA brokerage
- Fees disclosed in writing
- Built with an exit plan
When a private mortgage is the right tool.
Credit-rebuilding borrowers
A past credit event blocks A-lender approval today. A private mortgage holds the property while you repair credit toward a refinance.
Complex-income borrowers
Your income is real but hard to document conventionally. A private lender underwrites the equity and the story, not just the NOA.
Time-sensitive deals
You need to close quickly — a power-of-sale purchase, a tight closing — and a bank cannot move fast enough.
Unconventional properties
The property itself (condition, zoning, rural) falls outside standard lender appetite, but has clear value.
Equity-driven, short-term, and always with an exit.
Private lending is equity lending — and it is a step, not a destination.
Private lenders price for risk and lend primarily against the equity in the property, which is why a clear, conservative loan-to-value matters more than your credit score. Rates and fees are higher than A-lending, and Ontario law requires every fee to be disclosed to you in writing before you commit.
We only place a private mortgage when there is a credible exit: a refinance once credit recovers, a sale, or a maturing income event. The exit plan is part of the structure from day one — so the higher cost buys you time, not a trap.
What a private mortgage is, plainly.
A private mortgage is a loan funded by a private lender rather than a bank, secured against the equity in your property. Because it’s equity-driven, your credit score and income documentation matter far less than how much value sits in the home.
It costs more than bank financing — a higher rate, plus lender and broker fees — and under Ontario law every one of those fees is disclosed to you in writing before you commit to anything.
It works as a short-term bridge with a planned exit: a refinance back to a bank once credit recovers, a sale, or a maturing income event. We build that exit in from day one — the higher cost buys you time, not a permanent arrangement.
Run your numbers in the calculatorA bank declined you, but you have real equity
Credit, income-documentation, or property issues blocked the bank, yet there’s solid value in the home to lend against.
You have a credible exit within roughly 6—24 months
A path back to conventional financing, a sale, or an income event that ends the private term.
You need to move quickly
A tight closing or time-sensitive situation a bank can’t fund in time.
- You qualify with a bank or alternative lender — those are cheaper, and we’d point you there first.
- There’s no realistic exit in sight — a private mortgage is a bridge, not a long-term home, and without an exit the compounding cost works against you.
- The numbers only work if nothing goes wrong — we’d rather rework the plan than place a loan on a thin margin.
From need to a structured bridge.
We confirm the equity, place the loan, and document the exit.
Intake
Your situation, the property, available equity, and the goal.
Structure
Loan-to-value, term, and the exit plan — built together.
Placement
We place with a private lender whose appetite fits, fees disclosed in writing.
Exit
We track toward the refinance, sale, or event that ends the private term.
What you need now, and what comes later
You only need the first group to start. We request the rest as your file progresses — and we tell you exactly when.
Get the full document checklist
See exactly what we’ll ask for — grouped by when you need it, with what’s required vs. situational clearly marked. We’ll email you a branded PDF you can keep and work from.
Private files lean on property value and equity. An appraisal is usually required. Broker and lender fees are always disclosed in writing before you commit.
How long it takes
- 01
Intake to options: 24-72 hours
Private lenders move quickly. With property details and equity confirmed, we can return structured options within one to three business days.
- 02
Approval to funding: 1-2 weeks
Often faster than A-lending — appraisal and lawyer steps drive the timeline.
- 03
Term and exit: typically 6-24 months
Short by design. We work toward the planned exit throughout the term.
Questions buyers ask
Why are private mortgage rates higher?
Private lenders take on risk that banks decline — bruised credit, hard-to-document income, or unusual properties — and lend primarily against equity. The higher rate and fees price that risk. The value is access and speed when A-lending is not available.
What fees should I expect, and are they disclosed?
Private mortgages typically carry lender fees and broker fees on top of the rate. Under FSRA Standards of Practice, every fee must be disclosed to you in writing before any submission. You will never face a surprise cost from us.
How much equity do I need?
Private lenders focus on loan-to-value rather than credit. Many will lend up to roughly 75-80% of value in strong markets, less for unusual properties. The more equity, the better the terms.
How do I get out of a private mortgage?
Through a planned exit: refinancing back to an A-lender once credit recovers, selling the property, or a maturing income event. We build the exit into the structure from the start and work toward it during the term.
Is a private mortgage a long-term solution?
No — it is a bridge. Terms are usually 6 to 24 months. The goal is to solve the immediate need and transition back to conventional financing as soon as your situation allows.
Get a bridge built with a real exit.
Start your private mortgage application. About 12-14 minutes.
Start a private application