Private Mortgage Financing for Ontario Borrowers

Our streamlined approval process typically takes 48 hours for initial decisions. Once approved, we can close deals in as little as 7-10 business days, depending on the complexity of the transaction and completion of due diligence requirements.

We finance residential properties including single-family homes, multi-family residences, custom home construction projects, and development properties across the GTA and Ontario. Each application is evaluated on a case-by-case basis with flexible underwriting criteria.

Maximum loan amount: Up to $5,000,000.

Loan-to-value (LTV): 1st and 2nd mortgages: up to 75% LTV (case by case). Construction and commercial: up to 65% LTV (case by case).

Typically, you'll need: property details and appraisal, proof of income, credit report, identification, and any relevant property purchase agreements or construction plans. Our team will provide a complete checklist when you begin your application.

Yes. We offer construction financing for custom home builds, renovations, and development projects. Our draw system includes 3-5 draws per project. Our in-house inspectors can be on-site within 24 hours, and funds are advanced to the borrower's account within 24 hours of inspection. To apply, you'll need: an appraisal (as-is and as-if completed), all building permits, your builder's portfolio, a detailed construction budget, and a completed mortgage application.

Absolutely. We specialize in alternative lending solutions for situations where traditional banks say no. We evaluate each application individually, focusing on the property value and your unique situation rather than just credit scores.