Private Mortgage Financing for Ontario Borrowers
Alternative lending when traditional banks say no.
Alternative lending when traditional banks say no.
Flexible financing solutions designed to meet your unique needs
Purchase or refinance residential properties with competitive rates and flexible terms. No annual renewal fee on 3-year terms.
Access your home equity for renovations, debt consolidation, or investment. Low-LTV second mortgages may not require an appraisal.
Financing for custom home builds, renovations, and development projects. Fast draw system with 24-hour inspections and same-day funding.
Short-term financing from 1 to 90 days. Close on a new property before selling, or access fast capital for time-sensitive deals.
Financing for land acquisition and development-ready properties across Ontario.
Home Equity Line of Credit with open terms and flexible access to your equity.
Financing for income-producing commercial properties including multi-family, office, retail, industrial, and mixed-use.
Consolidate debt, access equity, or secure better terms on your existing mortgage.
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.
A simple, transparent process from application to funding
Connect with our team to discuss your financing needs and property details
Submit your application with required documents for review
Our team reviews and approves your application, typically within 24-48 hours
Receive your funds and close in as little as 24 hours with a complete application and appraisal
Experience the difference of working with a dedicated private lender
Close in as little as 24 hours with a complete application and appraisal. Same-day feedback when time matters.
Case-by-case evaluation means we can say yes when banks say no. Your situation gets individual attention.
Decades of combined experience in alternative lending means you work with experts who understand your needs.
No call centers or automated systems. Speak directly with decision-makers throughout the process.
Fully licensed MIC operating under Ontario regulations with transparent terms and ethical practices.
We aim for solutions, not just transactions. Your success is our measure of achievement.
Real experiences from clients who trust Richview Capital
Get answers to common questions about private mortgages and our process
Our streamlined approval process typically takes 24-48 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.
We offer LTV ratios up to 75% on residential first mortgages (case by case). Construction projects: up to 65% of end value. Second mortgage LTV varies by property and risk profile.
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.
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Private mortgages and construction financing with quick approvals. Tell us about your project and we'll find the right solution.
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