When Banks Say No, We Find Solutions
Private mortgage financing in as little as 2 weeks. All broker fees covered.
When It Makes Sense
Private mortgages exist for situations banks cannot solve
Life is not always straightforward. Private lending provides a path forward when traditional financing is not available.
Poor Credit History
Credit challenges should not stop you from accessing the financing you need. Private lenders focus on your property equity, not your credit score.
Previous Bankruptcy
If you have been discharged from bankruptcy, private mortgage financing can bridge the gap while you rebuild your credit profile.
Fast Closing Needed
When you need to close in days rather than weeks, private lenders can move quickly. Funding in as little as 2 weeks from application.
Construction Financing
Building or renovating a property? Private lenders offer flexible construction draws and bridge financing that traditional banks often cannot.
Debt Consolidation
Use your home equity to consolidate high-interest debts into one manageable mortgage payment, even when banks have declined your application.
Self-Employed / Unverifiable Income
If your income is difficult to document through traditional channels, private lenders evaluate your application based on the property and overall picture.
Simple Process
How it works
From application to funding, we handle the complexity so you can focus on what matters.
Apply With Us
Share your situation with one of our licensed mortgage professionals. We review your property, equity position, and goals — not just your credit score.
We Find the Right Lender
We match you with the private lender whose terms, rates, and structure best fit your needs. We negotiate on your behalf to get you the best deal available.
Fund in as Little as 2 Weeks
Once approved, private mortgages fund quickly. Many of our clients receive their funds within 2 weeks of application.
Our Commitment
All Broker Fees Covered
Unlike other brokerages, we cover all broker fees for our private mortgage clients — typically $2,000 to $2,500 or more. You pay only the lender's standard fees.
This is not a gimmick. Private mortgage clients are often charged broker fees on top of lender fees. We believe that if you are already paying higher rates, the last thing you need is an extra bill from your broker.
What to Expect With a Private Mortgage
We believe in full transparency. Here is what private mortgage financing typically looks like.
Interest rates: 7% to 15% or higher
Private mortgage rates are higher than bank rates because the lender is taking on more risk. The exact rate depends on your property, equity, and situation.
Terms: 1 to 3 years
Private mortgages are short-term by design. They are meant to solve an immediate need while you work toward qualifying for better financing.
Lender fees: 1% to 3% of the mortgage amount
Most private lenders charge a one-time fee at funding. This is standard in the industry and is separate from broker fees (which we cover).
This is a stepping stone, not a destination
A private mortgage is best used as a bridge to better terms. We help you understand the costs upfront so there are no surprises.
Your Path Forward
We Build Your Exit Strategy From Day One
We do not just get you a private mortgage — we create a plan to transition you to a traditional mortgage with better rates as your situation improves.
Credit Rebuilding Plan
We outline specific steps to improve your credit score during your private mortgage term, positioning you for A-lender or B-lender approval at renewal.
Income Documentation
For self-employed clients, we help you organize your income documentation so that it meets traditional lender requirements when you are ready to transition.
Regular Check-ins
We stay in touch throughout your term to track your progress and identify the earliest opportunity to move you to better financing.
Need Private Financing? Let's Talk.
Share your details and a licensed mortgage professional will contact you to discuss private lending options — all broker fees covered.
Private Mortgage FAQs
Common questions about private mortgage financing in Canada.
What is a private mortgage?
A private mortgage is a loan secured by real estate that is funded by a private investor or lending company rather than a bank or credit union. Private lenders focus primarily on the property value and your equity position, making them more flexible than traditional lenders when it comes to credit history and income verification.
What interest rates should I expect?
Private mortgage rates in Canada typically range from 7% to 15% or higher, depending on the loan-to-value ratio, property type, and borrower situation. While higher than bank rates, private mortgages are designed as short-term solutions — usually 1 to 3 year terms — while you work toward qualifying for traditional financing.
What does "all broker fees covered" mean?
Unlike many other brokerages, we cover all broker fees for our private mortgage clients — typically $2,000 to $2,500 or more. You pay only the lender fees, which are standard in private lending. This saves you thousands upfront.
How much can I borrow with a private mortgage?
Most private lenders will lend up to 75% to 80% of your property value (loan-to-value ratio). The exact amount depends on the property type, location, condition, and your overall financial situation.
Is a private mortgage right for me?
A private mortgage makes sense when you need financing that banks or B-lenders cannot provide — whether due to credit issues, income verification challenges, or tight timelines. It is best used as a short-term solution with a clear exit strategy to transition to better terms.
What is an exit strategy and why does it matter?
An exit strategy is your plan to move from a private mortgage to a traditional mortgage with lower rates. This might involve rebuilding your credit, documenting your income, or waiting for a life event to resolve. At Loans Expert, we build this plan from day one so you are not stuck in expensive financing longer than necessary.
Get Your Private Mortgage Quote
Speak with a licensed professional who understands your situation. No judgment, just solutions.