Private Mortgages
in Ontario
Ontario's trusted private mortgage broker for first and second mortgages across the province. No income verification. Any credit score. Equity-based lending. From Toronto and the GTA to Ottawa, Hamilton, London, and everywhere in between.
Our Ontario Services
Private Mortgage Solutions in Ontario
How It Works
Getting a Private Mortgage in Ontario
The process is straightforward and fast. Most Ontario homeowners go from first call to funding in under two weeks.
Free Consultation
Call or fill out our form. We review your property details and financial situation within minutes.
Quick Application
Minimal paperwork required. No income verification, no credit checks to get started.
Property Appraisal
An independent appraiser assesses your Ontario property value. Rush appraisals available for urgent cases.
Lender Matching
We match you with the best private lender from our network of 50+ lenders across Canada.
Fast Approval & Funding
Most Ontario approvals within 24 hours. Funding typically completed in 5 to 7 business days.
Ontario Cities We Serve
Private Mortgage Lenders Across Ontario
Ottawa
Private mortgages in Ottawa, Kanata, Orleans, and across the National Capital Region.
Hamilton
Private lenders serving Hamilton, Stoney Creek, Ancaster, and Dundas.
Mississauga
Private mortgage solutions for Mississauga homeowners across Peel Region.
Brampton
Fast private mortgage approvals for Brampton and Peel Region homeowners.
London
Private first and second mortgages in London and Southwestern Ontario.
Ontario Market
Why Private Mortgages Make Sense in Ontario
Ontario has Canada's largest private mortgage market by a wide margin. Higher home values in Toronto, the GTA, and Southern Ontario mean more equity to work with, which means more options when banks say no.
Ontario's mortgage arrears rate has been rising sharply as homeowners renew at higher interest rates. Many self-employed borrowers, new Canadians, and homeowners with credit challenges are finding that the banks simply cannot help them anymore. Private mortgages fill that gap.
Whether you need a first mortgage, a second mortgage for debt consolidation, emergency financing to stop a power of sale, or a bridge loan to close on a new property, Ontario's private lending market has a solution. The key is working with a broker who knows the lenders and can find the best fit for your situation.
Competitive Ontario Rates
Private mortgage rates in Ontario start from 6.95% for first mortgages with strong equity. The depth of Ontario's lender market creates competition, which generally means better rates and terms for borrowers.
Who Qualifies in Ontario
Self-employed business owners, new immigrants building credit history, homeowners with past bankruptcies or consumer proposals, property investors needing fast closings, and anyone facing power of sale on their Ontario property.
Property Types We Finance
Single-family homes, condos, townhouses, multi-unit residential properties, and mixed-use buildings across Ontario. Urban and rural properties are both eligible for private mortgage financing.
Why Choose Us
Trusted Private Mortgage
Brokers in Ontario
We work with 50+ private lenders across Canada to find the best rates and terms for Ontario homeowners. Whether you are in Toronto or a small town, we can help.
- 24-hour approvals across Ontario
- No income verification required
- Licensed Ontario brokerage
- Access to 50+ private lenders
- First & second mortgage options
- Rates starting from 6.95%
- Toronto office + serving all of Ontario
- Experienced with urgent power of sale files
Toronto Office
Address
1801-1 Yonge St, Toronto, ON M5E 1W7
Phone
(647) 270-3660Hours
Mon-Fri 9am-5pm
Service Area
Toronto, Mississauga, Brampton, Hamilton, Ottawa, London, Kitchener-Waterloo, Windsor, and all of Ontario
FAQs
Private Mortgages in Ontario
Private mortgage rates in Ontario typically range from 6.95% to 12.99%, depending on the loan-to-value ratio, property location, property type, and borrower profile. First mortgages with lower LTV ratios receive the best rates. Rates are higher in smaller Ontario markets with less lender competition and lower in high-demand areas like Toronto and the GTA.
Private lenders in Ontario focus on your property's equity, not your credit score or income. Self-employed borrowers, new immigrants, people with bruised credit, real estate investors, and homeowners facing power of sale all regularly qualify. The main requirement is enough equity in your Ontario property (usually a combined loan-to-value ratio under 80 to 85%) and a clear exit strategy.
Most private lenders in Ontario will lend up to 75 to 80% of your property's appraised value for a first mortgage. For a second mortgage, the combined loan-to-value (first + second) can go up to 85% in strong markets like Toronto and the GTA. In smaller Ontario markets, combined LTV is usually capped at 80%.
Most private mortgage approvals in Ontario happen within 24 hours. Funding is typically completed within 5 to 7 business days. For urgent situations like stopping a power of sale, we can often expedite the process and fund within 3 to 5 days.
We serve all of Ontario, including Toronto, Mississauga, Brampton, Hamilton, Ottawa, London, Kitchener-Waterloo, Windsor, Oshawa, Kingston, Barrie, Guelph, and Sudbury. We handle private mortgage deals in every major Ontario market as well as smaller towns and rural properties.
Yes. Private lenders in Ontario approve based on your property equity, so past bankruptcies, consumer proposals, collections, judgments, and CRA tax arrears do not automatically disqualify you. Many of our Ontario clients come to us after being declined by their bank or credit union.
Yes. Most private lenders in Ontario do not require traditional income verification like T4 slips or Notices of Assessment. This makes private mortgages an excellent fit for self-employed business owners, commissioned workers, and new Canadians who have not yet built the income documentation banks require.
Banks in Ontario require income verification, credit checks, and stress tests. Private lenders approve based primarily on your property's equity. Private mortgages are short-term (6 to 24 months) and carry higher interest rates, but they provide fast approval when banks say no. They are designed as a bridge to help you get back to traditional lending.
Ready to Get Approved in Ontario?
No obligation. No credit check to start. Most Ontario approvals within 24 hours.