Private Mortgage Solutions for Ontario Mortgage Brokers

Fast underwriting. Clear terms. Reliable closings.

6.99% 1st Mortgages

75% Max LTV (GTA)

$5M Loan Amounts

48h Fast Closings

Rates subject to change. Terms and conditions apply. See full disclaimers.

Submit a Deal View Guidelines

Why Work With Richview Capital

Your trusted partner for alternative lending solutions

Fast Response Times

Same-day feedback on all applications. Close in as little as 48 hours with a complete application and appraisal. Direct access to decision-makers.

Transparent Underwriting

Clear communication throughout the process. No surprises at closing. You'll always know where your deal stands and what's needed to close.

Competitive LTV Ratios

Maximum loan amount up to $5,000,000. LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV. Up to 65% of end value on construction. Every file evaluated individually.

Relationship Focus

We are not a mortgage broker and do not compete with our channel partners. As a privately owned MIC, we are open to exploring unique financing arrangements to find solutions for our partners and their clients.

Case-by-Case Evaluation

Every deal gets individual attention. Not cookie-cutter decisions. We understand every client situation is unique and deserves thoughtful review.

Experienced Team

Decades of combined experience in alternative lending. We've seen it all and know how to structure deals that work for everyone.

What We Fund

Flexible financing solutions for your clients across Ontario

First Mortgages

Residential first mortgages for clients who don't fit traditional bank criteria. Same-day feedback, close in as little as 48 hours.

Highlights

Rates from 6.99%
2% lender fee
Open & closed terms: 6-12 months, up to 3 years
LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV (case by case)
No renewal fee on 3-year terms
Loans up to $5,000,000

Second Mortgages

Flexible second position financing for debt consolidation, renovations, or investment. Quick closings when timing matters.

Highlights

Under 65% LTV: rates from 10.99%
65% LTV and above: rates from 11.99%
2% lender fee
Open and closed 6-12 month terms
LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV (case by case)
Loans up to $1M
No appraisal required on qualifying low-LTV files

Construction Loans

Construction financing with staged draws. 24-hour on-site inspections and funds advanced within 24 hours of inspection.

Highlights

Land 1st mortgage: 65% LTV, from 7.99% + 2% lender fee
Construction 1st: up to 65% end value, from 9.99% + 2% lender fee
Construction 2nd: up to 65% end value, from 11.99% + 2% lender fee
3-5 draws per project
24-hour on-site inspections
Funds advanced within 24 hours of inspection

Bridge Financing

Short-term bridge loans for purchase-before-sale or quick capital during transitions.

Highlights

1 to 90 day loan terms
Rates from 8.99%
2% lender fee
Fast approvals, same-day feedback

Land Financing

Financing for land acquisition and development-ready properties across Ontario.

Highlights

1st mortgage on land at 65% LTV
Rates from 7.99% + 2% lender fee
Same-day feedback

HELOC

Home Equity Line of Credit with open terms and flexible access for your clients.

Highlights

1st mortgage HELOC: rates from 7.99%
2nd mortgage HELOC: rates from 11.99%
2% lender fee
Open term
LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV (case by case)

Commercial Loans

Income-producing commercial properties: multi-family, office, retail, industrial, mixed-use.

Highlights

Multi-family rental, office, retail, industrial, mixed use
LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV (case by case)
Approvals within 1 business day
Rates from 9.99%
Loans up to $5,000,000

Refinancing

Refinancing for clients looking to consolidate debt, access equity, or improve terms.

Highlights

Rates from 6.99%
2% lender fee
Open & closed terms: 6-12 months, up to 3 years
LTV: GTA up to 75%; condominiums and cities outside the GTA up to 65% LTV (case by case)
Loans up to $5,000,000
No renewal fee on 3-year terms

All rates are subject to change. All mortgages subject to credit approval and appraisal. This is not a commitment to lend. Managed by Richview Capital Management Inc. Lic #13171.

Submission Guidelines

Six topic areas - from documentation and appraisals to timelines and eligibility - to help you submit complete files faster

Required Documentation

Completed application form
Property details and address
Borrower financials (income verification)
Credit report (recent)
Property appraisal (current)
Purpose of financing

Appraisal Requirements

Full appraisal from approved appraiser
Recent (within 90 days preferred)
MPAC assessment included
Comparable sales analysis
Property photos
Appraisal list available on request

Geographic Focus

Greater Toronto Area (GTA)
Ontario-wide coverage
Urban and suburban markets
Select rural properties (case-by-case)
Primary residential focus
Strong market knowledge

Construction Loan Requirements

Appraisal: both as-is and as-if completed reports
All required building permits for the project
Builder's portfolio: background, experience, completed projects, credentials
Detailed construction budget with line-item costs
Mortgage application and additional documentation

Timelines & communication

Same-day feedback when the file is complete
Submit through your usual BDM or dedicated channel contact
One consolidated email thread per deal reduces delays
Flag rush or financing-due dates in the subject line
Underwriting may request clarifications - reply promptly
Closing windows depend on appraisal and solicitor readiness

Eligible property & deal types

Residential first and second mortgages (Ontario)
Owner-occupied, rental, and select investment properties
Construction and renovation (with required docs above)
Case-by-case exceptions - ask before you decline the client
LTV and loan size follow published product guidelines
Commercial-only or non-Ontario deals: confirm eligibility first

Frequently Asked

Common questions from mortgage brokers

What is your typical turnaround time?

Same-day feedback on all complete submissions. Close in as little as 48 hours with a full application and appraisal.

What are your LTV limits?

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

Loan-to-value (LTV): GTA: up to 75% LTV. Condominiums and cities outside the GTA up to 65% LTV. Second mortgages and commercial: evaluated case by case. Construction loans up to 65% of end value.

Do you have broker fees or commission structures?

Yes, we offer competitive broker compensation. Contact our team directly to discuss our fee structure and commission arrangements. We value our broker partnerships and ensure fair compensation for your referrals.

Can I submit deals outside the GTA?

Yes, we fund mortgages across Ontario, not just in the GTA. While we focus primarily on the Greater Toronto Area, we have extensive experience with properties throughout Southern Ontario and select markets province-wide. Contact us to discuss your specific location.

What credit scores do you accept?

Minimum credit score is 600. We also review and confirm debt serviceability on every application. Each file is evaluated case by case.

How do I become an approved broker partner?

Simply submit your first deal, or contact us directly to introduce yourself and your brokerage. We welcome new broker relationships and will provide you with all necessary submission guidelines, rate sheets, and contact information to get started.

Get in touch

Book a Consultation

Speak with our experienced team about your financing needs. We'll help you explore options and find the right solution.

Licensed MIC #13171
Confidential & secure

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Licensed MIC #13171

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