Private Mortgage Specialists · Canada
THE BANK SAID NO.WE KNOW WHO WILL SAY YES.
Bad credit, self-employed, bridge financing, power of sale — we connect Canadian homeowners with private lenders who fund based on equity, not just your credit score.
Program Highlights
WHAT SETS PRIVATE LENDING APART
Our private mortgage programs are built for borrowers the traditional system overlooks. Here's what you can expect.
Stated Income Options
No GDS/TDS Required
Qualify based on property equity — not debt service ratios. Ideal for self-employed borrowers, business owners, and those with non-traditional income.
Flexible Terms
Open & Closed Available
Choose from open, closed, or interest-only structures. Terms tailored to your timeline — whether you need 6 months or 2 years.
Pre-Paid Mortgages
No Monthly Payments
Interest can be pre-paid and built into the loan — no out-of-pocket monthly payments required. Ideal for borrowers managing cash flow.
Fast Approvals
Decisions in 24–48 Hours
Private lenders move fast. Approvals in as little as 24 hours, with funding in 5–10 business days from application.
Up to 85% LTV
Urban Properties
Access up to 85% loan-to-value on qualifying urban properties. Higher LTV means more equity unlocked for your needs.
Who We Help
WHEN THE BANK SAYS NO, PRIVATE LENDING SAYS YES
Private mortgages aren't a last resort — they're a strategic tool. Here's who benefits most.
Credit Challenges
Past bankruptcy, consumer proposal, or bruised credit — private lenders look at equity, not just your score.
Self-Employed
Can't prove income the traditional way? Private lenders understand business owners and stated income.
Bridge Financing
Need short-term funds between buying and selling? Private mortgages close in days, not weeks.
Equity Takeout
Unlock the equity in your home for renovations, investments, or debt consolidation — fast.
Avoid Power of Sale
Facing foreclosure or power of sale? We move quickly to protect your home and your equity.
Non-Resident / Foreign Income
New to Canada or earning income abroad? Private lenders have flexible qualification criteria.
The Process
FROM INQUIRY TO FUNDED IN DAYS
Tell Us Your Situation
Fill out the 2-minute form. No credit check required to get started.
We Shop Private Lenders
We access a network of MICs, private investors, and alternative lenders across Canada.
Get Your Best Rate
We present your options with full transparency — rates, fees, and terms explained clearly.
Fast Close
Private mortgages can close in as little as 5–10 business days once approved.
The Difference
BANK MORTGAGE VS. PRIVATE MORTGAGE
Big Bank
Strict credit score requirements (680+)
Provable T4 or NOA income required
Weeks to approve and close
Rigid qualification stress test
Turns away self-employed borrowers
Private Lender (Via Us)
Equity-based — credit score not the focus
Stated income accepted — no GDS/TDS ratios
Close in as little as 5–10 business days
No stress test on private mortgages
Pre-paid interest — no monthly payments required
Up to 85% LTV on urban properties
Common Questions
PRIVATE MORTGAGE FAQ
DON'T LET A BANK REJECTION STOP YOU.
Private mortgage options are available right now. Takes 2 minutes to find out what you qualify for.
Real Mortgage Associates · Lic. #10464 · Jay Klair · Mortgage Agent Level 2 · Lic. #M09000869