The property
Location, type, supported value, condition, and existing secured debt.
Property. Possibility. Perspective.
A clearer path
to private
mortgage options.
Your property has a story. Understand your financing options, consider the costs, and plan what comes next.
Residential & commercial · Canada
01 / A property-first perspectiveIllustrative property photography
The right questions, first.
What fits today.
What works tomorrow.
Before a commitment
Understand your equity.
See the complete cost.
Have a repayment plan.
Two different journeys
Start with your property.
Different properties need different conversations. Explore what matters for yours.
01 / ResidentialA home. An investment.
A home. An investment.
Your next chapter.
Explore private mortgages, second mortgages, and refinancing for residential property.
Residential options
02 / CommercialA business property.
A business property.
A bigger picture.
Consider property use, income, valuation, financing structure, and your commercial exit plan.
Commercial optionsAn informed alternative
When the usual route
doesn’t fit,
ask better questions.
Private financing may offer another route when a conventional mortgage does not fit. It often comes with higher costs and a shorter term. A good decision considers both the opportunity and the obligations.
Private vs bank mortgagesThe purpose
Why financing is needed, what it changes, and whether the payments are manageable.
The way forward
A realistic plan to repay at maturity, with room for the unexpected.
Know your numbers
More than an interest rate.
The useful question is not just “What’s the rate?” It’s “What does this cost from start to finish?”
Look at fees deducted upfront, payments during the term, and the balance still due at maturity. The net amount you receive can be different from the amount you borrow.
Try the cost calculatorA hypothetical 12-month illustration
Loan principal$100,000
Fees deducted at closing− $4,000
Net advance$96,000
At an illustrative 10% annual simple interest rate, interest is $10,000 over the year. The $100,000 principal remains due at maturity if all interest is paid. This is not an offer; other costs may apply.
- 01
Share the essentials
Property location, your broad purpose, timing, and a way to contact you.
- 02
Confirm the provider
Verify the actual brokerage or lender, its authorization, and its scope before applying.
- 03
Review the whole picture
Understand written terms, total costs, conditions, alternatives, and repayment.
A Canadian perspective
Every market has
its own considerations.
Start with your province and property location. Coverage and provider authorization must be confirmed before a financing application.
Explore Canadian marketsWest CoastPrairiesCentral CanadaAtlantic & North
What is a private mortgage?
A loan secured against real property and funded by a private individual or non-bank lender. Property value and equity matter, alongside the lender’s assessment of the borrower, payment ability, purpose, and repayment plan.
Does having equity guarantee approval?
No. Property location and type, existing debt, affordability, documentation, title, and the proposed exit strategy can all affect the decision. Only the lender can issue a commitment after reviewing a file.
What costs should I compare?
Compare interest, lender and brokerage fees, appraisal and legal costs, net funds received, payment requirements, renewal charges, and the amount due at maturity. An advertised interest rate is only one part of the cost.
How quickly can financing close?
An inquiry is the start of a review. Appraisal, title, legal work, required documents, and lender conditions affect timing. A closing date should only be discussed once those requirements are understood.
Your next step
Start with a conversation.
Move forward with clarity.
Understand the options before making a commitment.
Request a mortgage reviewAn inquiry is not a mortgage approval or a funding commitment.