When a bank says no, your home's equity can still say yes. We connect you directly to private lenders who approve based on property value, not tax returns or credit scores — often within 24 hours.
A private mortgage in Ontario is a loan secured against your home's equity, funded by an individual or private lender instead of a bank. Approval is based primarily on property value and location rather than income verification or credit history, which makes it the fastest path to capital when time or paperwork is the obstacle.
Private lending exists for exactly the situations traditional banks are built to avoid: urgency, complexity, and non-traditional income.
Firm commitments in as little as 24 hours and funding in 3–5 business days for time-sensitive files.
No T4s, no tax returns, no credit score minimums. If your property has equity, you have a starting point.
Interest-only payments and open terms from 3 to 24 months, designed to bridge you to a lower-cost exit.
A private mortgage moves at the speed of your paperwork — not the underwriting queue of a big bank.
We review your property value, location, and existing mortgage balance to estimate available equity in minutes.
Your file is matched to the private or institutional lender in our 300+ network best suited to your scenario.
An independent appraisal confirms value; a firm mortgage commitment typically follows within 24 hours.
Once legal work is complete, funds are released — often within 3 to 5 business days for urgent files.
Private mortgages are underwritten on the property first, and the borrower's story second. Most Ontario homeowners with meaningful equity have a realistic path to approval.
The most common questions we get from Ontario homeowners exploring this option for the first time.
Tell us your property value and timeline — an Experienced Advisor will follow up with your options.
