Private and residential mortgages for Toronto homeowners who don't fit a bank checklist.
From a starter condo to a house that needs equity unlocked fast, we match your file to whichever lender - bank, alternative, or private - will actually approve it on workable terms, not just the lowest advertised rate.
Financing for every kind of file.
Private mortgages
Equity-based lending when income can't be fully documented, credit needs time to recover, or a bank timeline won't work.
Pre-approval
Lock in a rate hold and a realistic budget before you make an offer on anything.
Purchase financing
Detached, semi, townhouse, or condo, structured around your down payment and firm closing date.
Renewals & switches
Treat your bank's renewal letter as a starting bid - we compare it against the rest of the market first.
Second mortgages & refinancing
Pull equity for debt consolidation, renovations, or a down payment on a second property, through a bank or private lender.
Self-employed & newcomer files
Business-for-self income and limited Canadian credit history, read the way lenders that actually approve these files expect.
Questions we hear often.
- Are private mortgages more expensive?
- Rates and fees on private mortgages run higher than bank pricing because approvals lean on equity rather than income documentation. We only recommend one after showing you what a bank or alternative lender would charge for comparison.
- Does getting quotes from multiple lenders hurt my credit?
- No. We pull your credit file once and use that single report across the lenders we approach, so shopping your file doesn't add extra inquiries.
- How fast can a private mortgage close?
- Private and equity-based files can often close within a week once the appraisal and title work are done. Standard bank approvals typically take 24 to 48 hours once your documents are in.
Around your closing date
Two questions come up constantly with private mortgage clients: what is the property really worth, and who is booked to move everything in.
- Toronto home valuation serviceFree property valuations for Toronto and GTA homeowners - useful before a refinance, equity take-out, or renewal so you know the value your lender will be working from.
- Toronto moversResidential and commercial movers across Toronto and the GTA for the closing-day side of a purchase once your mortgage funds.
- Canadian digital marketing agencyDigital marketing for Canadian businesses of every size, including the realtors, builders, and business owners we finance.