Mortgage Solutions · Private Mortgages
Private lending solves a specific problem (bruised credit, a closing in two weeks, arrears on title) when A and B lenders won't move. It's short-term by design. The whole job is getting you in, and then back out to bank pricing.
▍ The exit roadmap
Without a clear plan to get out of it, whether that's a refinance to a bank, a sale, or restored credit, you're paying premium rates forever. Pick what's keeping you out of bank channels and see the path back.
Get the deal done in 7–10 days with a non-institutional lender, structured open so you can exit early with no penalty.
Funds in 7–10 daysWork the specific issue that knocked you out of bank channels, with a clear target to hit.
Target: bank-ready fileOnce the file qualifies, we move you to an A or B lender at standard rates, the day your situation supports it.
Back to prime pricingWe start lining up your next step 60–90 days before maturity, never at the last minute. Surprises at maturity are the single most expensive thing that happens in private lending, and we don't let them happen.
When timing or fit knocks you out
Private financing is the right tool when the banks' rules don't fit your reality yet. Not as a permanent product, but as a bridge over a specific obstacle.
Recent late payments, a consumer proposal, or a discharged bankruptcy that hasn't aged enough for A-lender approval.
Newly self-employed, commission-heavy, or cash-business income that banks can't underwrite cleanly.
You've made an offer and your bank approval fell through with two weeks to close.
CRA or property-tax debt that needs to be cleared before any bank will lend.
Divorce buyouts, business injection capital, or bridging between two properties in unusual situations.
Refinancing out of a foreclosure-imminent situation before it becomes irreversible.
What it actually costs
Most private lenders cap first mortgages at 75% of value and seconds at 80–85% combined. Rates and fees vary widely, so set your numbers and see the real picture. We disclose everything before you commit.
An illustration only. Most private mortgages are interest-only, so the principal stays put until you refinance or sell. We compare offers across multiple private lenders, and we've placed deals at 8% that were quoted at 13% elsewhere.
We're brokers, not lenders
What needs to change, whether that's credit score, income proof, or tax arrears, so you can refinance to an A or B lender in about 12 months. The exit drives the whole structure.
Private rates and fees vary widely. We've placed deals at 8% and seen the same file quoted at 13% elsewhere. Shopping it is the single biggest lever on cost.
Open prepayment privileges, no penalty for early payout, no renewal fees, so the moment you can exit, nothing stands in the way.
When the time comes, we re-broker you out to a prime lender on the day your credit and income recover. We don't have a portfolio to protect, so we work for you.
We don't have a book of business to protect. We work for you, and the goal is always to make the private mortgage temporary.
No commitment to start. Tell us the situation and the timeline, and we'll tell you whether private is the right move and what the exit looks like.
Common questions
Tell us about your situation. We'll match you to the right product and lender.
Start pre-approvalAI assistant · General information