Private Mortgage Financing for Ontario Borrowers

First mortgages from 6.99%. Close in as little as 24 hours. Up to 75% LTV on residential. Loans up to $3M across the GTA.

First Mortgages, Second Mortgages & Construction Loans: Up to 75% LTV

Second mortgages from 10.99%. Construction loans from 7.99%. Bridge financing from 8.99%. Same-day feedback on every application.

Same-Day Feedback. Close in as Little as 24 Hours.

Direct access to decision-makers. Case-by-case evaluation. Common-sense underwriting on residential, construction, bridge, HELOC, and commercial loans.

Invest in a MIC in Ontario

Target 7-8% annual returns. $100,000 minimum. RRSP, TFSA, and RRIF eligible. Quarterly distributions by direct deposit.

Asset-Backed. Professionally Managed.

Every dollar secured by real estate at max 75% LTV. Portfolio diversified across the GTA. Annual audited financials.

Regular Distributions from Mortgage Income

Quarterly distributions: March 30, June 30, September 30, December 31. Hold in RRSP, RRIF, TFSA, LIRA, RESP, or LIF.

Private Mortgage Solutions for Ontario Brokers

We're a licensed MIC, not a broker. We never compete for your clients. Same-day feedback. Close in as little as 24 hours.

Fast Response. Transparent Terms. Reliable Closings.

First mortgages from 6.99%. Up to 75% LTV. Loans up to $3M. 2% lender fee. No surprises at closing.

Direct Access to Decision-Makers

Direct access to decision-makers. 1st and 2nd mortgages, construction, bridge, HELOC, and commercial. Every deal gets individual attention.

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20+ Years of Experience Ontario GTA & Province-Wide Licensed MIC #13171 ONMICA Member Regulated & Compliant Instant Response Close in as little as 24 Hours RRSP Eligible 20+ Years of Experience Ontario GTA & Province-Wide Licensed MIC #13171 ONMICA Member Regulated & Compliant Instant Response Close in as little as 24 Hours RRSP Eligible

Who We Serve

We provide solutions to meet the financial needs of borrowers, brokers and investors across Ontaraio.

Private mortgage & construction financing

When traditional banks say no, we offer private mortgages, second mortgages, and construction financing with flexible terms tailored to your situation.

First Mortgages
Second Mortgages
Construction Financing
Bridge Financing
Land Financing
HELOC
Commercial Mortgages
Refinancing

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MIC investing & RRSP-eligible returns

Target 7-8% annual returns from a professionally managed mortgage portfolio secured by GTA real estate. Quarterly distributions by direct deposit. Hold in RRSP, TFSA, RRIF, LIRA, RESP, or LIF.

7–8% target annual return
$100,000 minimum investment
Quarterly distributions: March, June, September, December
RRSP, TFSA, RRIF, LIRA, RESP, LIF eligible
Secured by real estate at max 75% LTV
Annual audited financial statements

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Fast underwriting & broker partnership

We're a licensed MIC, not a mortgage broker. We never compete for your clients. Same-day feedback on every application. Close in as little as 24 hours. First mortgages from 6.99%.* Loans up to $3M.

We never compete with our channel partners
Same-day feedback on all applications
Close in as little as 24 hours
First mortgages from 6.99%*: up to 75% LTV
8 products: 1st, 2nd, construction, bridge, land, HELOC, commercial, refinancing
Loans up to $3M across the GTA

Partner With Us

Partners & Who We Work With

Trusted relationships across the mortgage industry

Mortgage Brokerages Lawyers Appraisers Lending Partners

Who We Are

Our values guide everything we do

Solution-Oriented

We constantly aim for solutions, working to help clients achieve their financial goals through creative, disciplined approaches.

Trust & Integrity

Reputation and trust are earned through consistent delivery, transparent communication, and ethical practices in every transaction.

Experience Matters

Decades of combined expertise in alternative lending solidifies our foundation and enables superior decision-making for our clients.

Client-Focused

Your goals and success drive our decisions. We respond quickly, communicate clearly, and tailor solutions to fit your unique situation.

Learn more about our team

What Our Clients Say

Real experiences from clients who trust Richview Capital

When the bank turned us down, Richview Capital stepped in with a fast approval and competitive terms. Their team understood our vision and made it happen.

Michael Davidson

Real Estate Developer

The process was incredibly smooth. From application to funding took less than two weeks. The team was professional, transparent, and actually returned my calls.

Jennifer Torres

Homeowner

Richview Capital provided a second mortgage when we needed it most. Their flexible approach and quick turnaround helped us consolidate debt and move forward.

Robert Patterson

Property Owner

When the bank turned us down, Richview Capital stepped in with a fast approval and competitive terms. Their team understood our vision and made it happen.

Michael Davidson

Real Estate Developer

The process was incredibly smooth. From application to funding took less than two weeks. The team was professional, transparent, and actually returned my calls.

Jennifer Torres

Homeowner

Richview Capital provided a second mortgage when we needed it most. Their flexible approach and quick turnaround helped us consolidate debt and move forward.

Robert Patterson

Property Owner

When the bank turned us down, Richview Capital stepped in with a fast approval and competitive terms. Their team understood our vision and made it happen.

Michael Davidson

Real Estate Developer

The process was incredibly smooth. From application to funding took less than two weeks. The team was professional, transparent, and actually returned my calls.

Jennifer Torres

Homeowner

Richview Capital provided a second mortgage when we needed it most. Their flexible approach and quick turnaround helped us consolidate debt and move forward.

Robert Patterson

Property Owner

From Our Blog

Insights on private mortgages, financing, and investing in Ontario

March 2025

Understanding Second Mortgages

When they make sense, and how they can unlock equity for key goals.

February 2025

Construction Financing 101

A practical guide to draw schedules, lender expectations, and closing prep.

January 2025

MIC Investing and Your RRSP

Key benefits, risk basics, and what to review before you invest.

Frequently Asked

Quick answers to common questions

What is a private mortgage?

A loan from a non-bank lender like a MIC. Flexible terms and faster approvals when traditional banks decline.

How fast can I get approved?

Same-day feedback on all applications. Close in as little as 24-48 hours with a complete application and appraisal.

Bank turned me down. Can you help?

Yes. We evaluate each application individually, focusing on property value and your situation.

What areas do you serve?

We serve Ontario province-wide, including the GTA, Hamilton, Ottawa, and beyond. All deals are evaluated on a case-by-case basis.

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.

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Secure
Licensed MIC #13171

Request a Consultation

Fill out the form and we'll respond instantly.

Instant Response

Confidential & Secure

Licensed MIC #13171

Thank you!

We've received your consultation request. Our team will confirm shortly.

Your Details

First Name

Last Name

Email Address

Phone Number

Consultation Details

I'm interested in

How can we help?

Schedule Your Call

Select Date

Select time

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