Unlock your second mortgage at 4.99%, with no appraisal
We offer straightforward access to second mortgage financing with competitive rates and minimal friction. No appraisal means fewer delays and less out-of-pocket cost upfront. It’s a faster, simpler way to unlock your home’s equity when you need it most. Our process is built for speed, clarity, and real-life flexibility.
Our Services: Fast, Flexible, Focused on You
We provide private mortgage solutions designed to get you the money you need — quickly and with less hassle. Whether you're buying a home, refinancing, or using your home equity, we offer flexible options tailored to your situation. No red tape, just real answers and fast approvals.
First Mortgage
We offer flexible first mortgage solutions for buyers with unique financial situations, including the self-employed and new-comers to Canada
Second Mortgage
Access home equity with our fast-approved private second mortgages, offering customized terms without disrupting your first mortgage.
HELOC
Access you home’s equity with flexible, fast HELOC that moves at your pace, offering easy fund usage and no unnecessary delays.
Bad Credit Mortgages
Smart mortgage solutions for clients with past credit challenges, offering flexible approvals and real paths toward rebuilding long term financial strength.
Debt Consolidation
Consolidate high-interest debts into one manageable private mortgage, lowering monthly payments and providing a clearer financial path forward.
Emergency Mortgages
Fast response mortgage funding designed for urgent situations, providing immediate relief and a stable financial solution when timing matters most.
Up to 85 Percent Loan to Value Financing
We provide mortgage solutions with financing of up to 85 percent of your property’s value, allowing you to access more capital while keeping your cash working for you. This structure is ideal for buyers, investors, and business owners who want to maximize leverage without compromising long term stability. Our team designs each 85 percent loan to value strategy around your full financial picture, not just your income on paper.
With flexible qualification guidelines, alternative income programs, and bank level underwriting, we help clients achieve higher leverage even when traditional lenders say no. Whether you are purchasing, refinancing, consolidating debt, or pulling equity for growth, the result is smarter capital, stronger cash flow, and a mortgage built to support your long term goals.
Rush Closings
When time is of the essence, private mortgage solutions offer expedited closings to meet urgent deadlines. With fast-track processes and quick approval systems, these services ensure seamless transactions even under tight time constraints. Designed for those needing swift solutions, they provide the reliability and speed necessary to close deals without the usual delays.
Who are private mortgages right for?
Self-Employed
Traditional lenders often struggle to assess non-traditional income, but private mortgages focus on your real earning potential—not just your paperwork. We make it easier for business owners, freelancers, and gig workers to access the financing they deserve.
New Comers
Private lending opens doors for newcomers who may not yet have Canadian credit history or traditional employment records. We provide a path to homeownership when the banks won’t.
Bad Credit Scores
A low credit score doesn’t mean you’re out of options. Private mortgages look beyond your past to help you rebuild and move forward with real solutions.
Investors
Private mortgages offer fast, flexible capital—ideal for seizing investment opportunities without the red tape. Whether you're flipping properties or expanding your portfolio, we help you move quickly and strategically.
Have any questions or concerns?
Feel free to reach out to us regarding any questions concerns. We would love to help. And as always, free consultations.
