Your Bank Said No?
Get a Private Mortgage

There is no minimum credit score required. Private lenders focus on the equity in your property rather than your credit history. Whether you have a 400 or 800 score, we can find a solution based on your property value and loan-to-value ratio.

Most private mortgage approvals happen within 24 hours of submitting your application. Once approved, funding is typically completed within 5 to 7 business days. In urgent situations like power of sale, we can expedite the process even further.

Private mortgage rates in Ontario typically range from 6.95% to 12.99%, depending on the loan-to-value ratio, property type, location, and borrower profile. While higher than bank rates, private mortgages offer flexibility and speed that banks cannot match.

Banks require strong credit scores, verifiable income, and stress tests. Private lenders focus primarily on property equity. Private mortgages are typically short-term (6 to 24 months) and serve as bridge financing until you can qualify with a traditional lender.

Power of sale is a legal process where your lender can sell your property to recover unpaid mortgage debt. If you have received a Notice of Sale, we can help arrange emergency private financing to pay off arrears and stop the proceedings, protecting your home and equity.