Alternative
Private mortgages
Private lending is short-term, equity-driven money for situations institutional lenders cannot fit. It costs more than a bank mortgage, and it should always have an exit.
Pre-qualification is not a mortgage approval or a commitment to lend. All mortgages are subject to lender approval.
When it is the right tool
A private mortgage makes sense when the timeline is too short for institutional underwriting, when income is real but cannot yet be documented conventionally, when the property itself is unusual, or when a bridge is needed between a purchase and a sale. It is a solution to a timing or documentation problem.
It is not a solution to an affordability problem. If the payment does not work at private pricing, the answer is not a private mortgage, and we will say so.
What it costs, plainly
Private rates are materially higher than institutional rates, terms are usually one year, payments are often interest only, and there are lender and brokerage fees on essentially every file. All of it is disclosed to you in writing before you commit — the cost of borrowing disclosure is not optional and we would not want it to be.
Decide with the annual cost in front of you, not the monthly payment. Interest-only payments look manageable and disclose very little about what the year actually costs.
No private file without an exit
Every private mortgage we arrange has a written exit: refinance to an institutional lender once income is documented or credit is repaired, sell the property, or take out a maturing obligation. A private mortgage renewed indefinitely is not a bridge, it is a slow problem.
We build the exit into the plan at the start and diarise it, and we will tell you at the outset if we do not think there is one.
What we never ask for online
No SIN, no date of birth, no credit score and no banking detail is collected through this website. When a lender formally needs those, you provide them directly through the lender’s own secure system.
How we handle your information
Find out what you qualify for.
Takes about two minutes. No credit inquiry to start, and no SIN required — we only ask for that when a lender formally needs it.
Pre-qualification is not a mortgage approval or a commitment to lend. All mortgages are subject to lender approval.