Private Mortgage Solutions in Ontario
Short-term, equity-based financing for unique situations — bruised credit, non-traditional income, urgent closings, or properties banks won't touch.
Private Mortgage
Private mortgages aren't a last resort — they're a strategic bridge that helps Ontario homeowners get from where they are to where they want to be.
FSRA-regulated private lenders look primarily at the property and your equity rather than your credit score or stated income. That makes them ideal for unique GTA situations: a bruised credit history, business income that's hard to verify, urgent closings, properties under renovation, or buyers who need short-term capital while waiting for a sale.
I structure private mortgages with clear exit plans — typically 12 to 24 months — so you have a defined path back to A or B lender financing. Rates and fees are higher than traditional mortgages, and I'll always be transparent about whether a private mortgage is the right tool for your situation.
How I Can Help
- FSRA-compliant private first and second mortgages across Ontario
- Equity-based qualification — credit and income are secondary factors
- Short-term bridge financing with clear 12–24 month exit strategies
- Solutions for power-of-sale rescue, urgent closings, and CRA arrears
- Transparent disclosure of all rates, fees, and lender costs upfront
A Simple 4-Step Process
We assess your current rate, balance, prepayment penalty, and Ontario home equity.
I model the OSFI stress test and run the numbers across 50+ lenders to find the right fit.
Documents in, appraisal ordered, and a firm approval issued — usually within days.
Your lawyer registers the new mortgage and you start saving on your next payment.
What Ontario Clients Say
After a rough year my credit was a mess. Nick arranged a private mortgage that bridged us back to an A-lender within 18 months.