Private Mortgage Solutions for Ontario Mortgage Brokers

Fast underwriting. Clear terms. Reliable closings.

6.99% 1st Mortgages

75% Max LTV

$3M Loan Amounts

24h Close Time

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 24-48 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

Up to 75% LTV on residential first mortgages. 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 24 hours.

Highlights

Rates from 6.99%
2% lender fee
Open & closed terms: 6-12 months, up to 3 years
Up to 75% LTV (case by case)
No renewal fee on 3-year terms
Loans up to $3M

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
Up to 75% 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
Up to 75% 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
Up to 75% LTV
Approvals within 1 business day
Rates from 9.99%
Loans up to $3M

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
Up to 75% LTV (case by case)
Loans up to $3M
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

Everything you need to know to submit deals efficiently

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

Turnaround & Closing Timelines

Same-day feedback on complete submissions
Approvals within 1 business day on qualifying files
Potential to close in as little as 24 hours
24-hour on-site inspections for construction draws
Funds can be advanced within 24 hours of inspection

Loan Structure Parameters

Residential first mortgages up to 75% LTV (case-by-case)
Second mortgages available to 75% LTV (case-by-case)
Construction files up to 65% of end value
Loan amounts up to $3M across core products
Most products include a 2% lender fee

What Our Clients Say

Real experiences from clients who trust Richview Capital

Richview Capital is my go-to for alternative lending. They deliver on their promises with fast approvals and transparent communication. My clients trust them because I trust them.

Sarah Chen

Mortgage Broker, Toronto

I've worked with many private lenders, but Richview stands out for their professionalism and reliability. They close deals on time, every time. That's invaluable in this business.

James Kumar

Broker, Mississauga

When I have a tough deal, I know I can count on Richview Capital. Their case-by-case approach means they actually listen and find solutions instead of just saying no.

Maria Thompson

Senior Broker, Oakville

Richview Capital is my go-to for alternative lending. They deliver on their promises with fast approvals and transparent communication. My clients trust them because I trust them.

Sarah Chen

Mortgage Broker, Toronto

I've worked with many private lenders, but Richview stands out for their professionalism and reliability. They close deals on time, every time. That's invaluable in this business.

James Kumar

Broker, Mississauga

When I have a tough deal, I know I can count on Richview Capital. Their case-by-case approach means they actually listen and find solutions instead of just saying no.

Maria Thompson

Senior Broker, Oakville

Richview Capital is my go-to for alternative lending. They deliver on their promises with fast approvals and transparent communication. My clients trust them because I trust them.

Sarah Chen

Mortgage Broker, Toronto

I've worked with many private lenders, but Richview stands out for their professionalism and reliability. They close deals on time, every time. That's invaluable in this business.

James Kumar

Broker, Mississauga

When I have a tough deal, I know I can count on Richview Capital. Their case-by-case approach means they actually listen and find solutions instead of just saying no.

Maria Thompson

Senior Broker, Oakville

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 24-48 hours with a full application and appraisal.

What are your LTV limits?

Up to 75% LTV on residential first mortgages (case by case). Second mortgages up to 75% LTV. Construction loans up to 65% of end value. Commercial up to 75% LTV.

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.

Partner With Us

Submit a Deal

Fast approvals and competitive rates. Our broker-first approach means quick decisions and reliable closings for your clients.

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Competitive Compensation
Licensed MIC #13171

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