Canada's Largest Resource of Private Mortgage Lenders

Private lenders are an invaluable resource for borrowers looking to purchase a home or refinance their existing mortgage, and we believe that finding reputable private lenders shouldn’t be difficult.

That's why we are proud to provide access to Canada's largest directory of private mortgage lenders. We make the application process simple and hassle-free!

Approvals within 24 hours.


Need Help Getting a Private Mortgage? is here to help you get your approval. Fast.
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Quick and Cost-Effective Private Mortgage Solutions

Are you searching for a mortgage solution using your home as collateral? At, we will help you get fast, affordable private 1st mortgages & private 2nd mortgages. Canada’s best resource for private mortgage funds. No income or credit requirements!

Call Us: 1-855-668-3074
Approvals within 24 hours

What is a Private Mortgage?

A private mortgage is a short-term loan that uses your home as collateral. Generally, the term on a private mortgage usually ranges from 1 to 3 years. Private mortgages can be a good option for homeowners that don’t qualify with conventional lenders.

Qualifying for a mortgage loan with a big bank can be difficult. In addition to looking at your credit score, major banks want to verify income and see quality real estate. That’s why many homeowners see private mortgage lenders as the perfect solution.

A private mortgage lender won’t pre-qualify you based on poor credit scores nor your income. Their primary concern is the amount of equity in your home. Traditional private lenders will typically lend up to 80%—and in some cases, 85%—of a home’s value.

Private mortgages fill the void when institutional lenders won’t help. They are a very helpful and flexible option when you don’t qualify with your bank.

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Types of Private Mortgage Lenders

There are three different types of private mortgage lenders in Canada:

Private Individual

By capitalizing on their substantial financial resources, they have decided to invest in real estate for improved returns compared to simple bank deposits. Investing their money instead of leaving it idle provides a much more profitable outcome.

Mortgage Investment Corporations

Mortgage Investment Company (MIC) offers a unique opportunity for individual investors to gain exposure by pooling their money and investing it in mortgage products. Instead of one investor funding the entire mortgage, MIC enables multiple investors to fund the mortgages collectively.

Syndicated Mortgages

Comparable to a MIC, mortgage syndicates concentrate on funding significant projects and can simultaneously be involved in multiple endeavors. For instance, they may finance two luxurious condominiums under development.

Are you ready to take advantage of the potential returns offered by private mortgages in Canada? Apply now and explore the options available.

Bad Credit Private Mortgage

Are you struggling with a bad credit score and finding it difficult to secure a mortgage from a traditional lender? Don't worry, there's still hope!

Private mortgage lenders in Canada can provide you with an alternative solution. They place more emphasis on the equity in your home rather than your credit history, making it easier for you to qualify for a loan.

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Difference Between Private Mortgage Lenders and Bank

If you have been denied by Canada's Big Six Banks (RBC, TD, Scotiabank, BMO, CIBC and National Bank), chartered banks or credit unions, private mortgage lenders are a great option to consider.

When applying for mortgages, it is essential to know the distinctions between banks and private lenders. Banks are usually more affordable but require extra effort for loan approval. On the other hand, private lenders may offer higher rates, but they grant quicker access to funds with fewer hassles and more options.

Private Lenders Banks
Higher Interest Rates – More Expensive Lower Interest Rates – Less Expensive
Fast Approval Slower Approval
Easier Approval Process More Thorough Approval Process (Includes Financial History and Credit Audit)
Less Regulated – More Flexible Subject to Significant Government Regulations (Less Flexibility)
More Customizable Loan Options Strict Loan Options Due to Regulations

Are you tired of being denied by banks and traditional lenders? With a more flexible approach to loan approval and quick access to funds, private lenders can offer a viable solution for those who have been turned away by traditional financial institutions.

Don't let strict banking regulations hold you back from achieving your goals. Apply now and experience the difference that working with a private lender can make in your mortgage journey. Don't wait—take advantage of the benefits offered by private mortgages today!

Advantages of a Private Mortgage Loan

Ideally, most people choose big banks for their traditional mortgage needs. However, this isn’t always an option. If you have bad credit or can’t prove your income, a traditional lender is out of the question.

Here are reasons that make private mortgage lenders stand out from the other options:

Debt Consolidation

When you consolidate your high-interest debts into one manageable monthly payment, you get the bonus of paying a lower interest rate. This frees up cash flow and allows you to pay down debt more quickly by allocating some of this newfound money towards the principal payments on those accounts.

Quicker And Lower Hassle Approval Than a Bank Mortgage

In contrast to the sometimes prolonged timeline of banks approving and funding mortgages, private lenders provide an expedited process by which you can receive an approval within 48 hours after your broker applies.

No Minimum Credit Score Requirements

Although private lenders appreciate an excellent credit score, the value and marketability of the property are usually more important factors when it comes to approval. Often there are only a few minimum requirements for borrowers' credit scores!

No Minimum Income Requirements

Private lenders can be the perfect mortgage solution for self-employed people who own their businesses or need a more convenient way of tracking income. Unlike banks and other institutions, private lenders prioritize the property over an individual's revenue - making it ideal for these borrowers!

May Rebuild And Repair Your Credit

A private mortgage can help you get back on track and restore your credit by maintaining a consistent monthly mortgage payment.

Apply now and experience the many advantages of a private mortgage. Don't wait, take advantage of the benefits offered by private mortgages today!

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Secure the Funding You Need!

With a more flexible approach to loan approval and a variety of options for borrowers with bad credit or income issues, private mortgages can provide a valuable alternative to traditional bank loans. Take the first step and apply today to discuss your options.
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Types of Properties that Private Lenders Consider

A private mortgage lender frequently considers properties many bank lenders would not ordinarily finance. These types of properties include:

Big banks like “cookie-cutter” type homes and usually only lend on residential and commercial properties. In general, their focus is on nice properties in urban areas. In contrast, private lenders are more open to challenging property types and offer various solutions.

Call Us: 1-855-668-3074
Approvals within 24 hours

What Type of Private Mortgage Options are Available?

Homeowners can choose from a range of private mortgage options. They are flexible and may be taken as a short-term loan to help you get back on track. Some of these solutions include: can help with private first mortgage financing and arrange your private second mortgage. We have created access to one of Canada’s largest pools of private mortgage investors and made it readily available to our clients.

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Private Mortgage Loan Interest Rates

When looking for a private mortgage, interest rates can vary widely depending on the loan amount and the value of your property, as well as its location. Working with a broker who specializes in private mortgages is a great way to secure the best interest rates. has access to one of the largest pools of private funds and we have built thousands of relationships along the way. These relationships are just one of the ways we help our clients secure the lowest private mortgage rates in Canada!

Private Mortgage Lenders Fees

The best private mortgage lenders in Ontario are not encumbered by the same regulations as the big banks. They also take on significantly higher risks. As a result, they may charge higher rates or fees than other traditional lenders.

Unsurprisingly, this means that while one lender may present an appealing fee or term structure, another might have a considerably higher charge or alternate agreement altogether.

This is why it is crucial to work with a mortgage brokerage, like who specializes in private mortgages. They can help you navigate the various terms, fees, and rates offered by the best private mortgage lender.

Private mortgages aren't for everybody because they can be accompanied by higher rates and fees than the big banks offer but they are a great alternative when you a traditional mortgage lender won't help.

If you have questions about private mortgages, feel free to give us a call or simply apply online.

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Eliminate Your Property Tax Arrears –
Apply Now!

Complete our secure 90-second application and get approved today.
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Why Choose For Your Private Mortgage? has a seemingly endless pool of private investors. Our lenders offer competitive private mortgage lenders rates and are decisively quick. Our low mortgage rates make our private mortgage solutions perfect for debt consolidation, foreclosure, or freeing up cash flow.

We aim to pre-screen our private investors, shielding our clients from predatory lenders and ensuring that all parties benefit from private mortgage financing.

If you’ve exhausted your efforts at your bank, can help. We facilitate mortgages in every province, excluding Quebec.

We have the best private mortgage lenders in Toronto and all other major cities. Our private lenders have virtually no limitations and can arrange financing for as little as $15,000.

Give a call at 1-855-668-3074 to see if a private mortgage is right for you. Or Apply Online and let us work on getting your approval today!

Call Us: 1-855-668-3074
Approvals within 24 hours

Need Help With Something Else?

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Poor or Bad Credit

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Property Tax Arrears

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Unpaid Collection Accounts

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Self Employed Clients with Stated/Low/No Proof of Income

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Bankruptcy Consumer Proposal

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Revenue Canada Debts/Liens

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Missed Mortgage Payments

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Judgments, Liens & Executions