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First Mortgages

Helping mortgage brokers provide flexible first mortgage solutions for a wide range of financing scenarios.

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First Mortgages


Ontario Only

Ontario only (major centres and surrounding areas)

Max LTV

Up to 75% LTV

Term

1 Year

Max Mortgage Amount

$1.25M

TDS / GDS / Income Qualification

None

Property Types

Residential single-family homes, townhomes, semis, condos (on a case-by-case basis)

Common Client Scenarios for a Private Mortgage

Private mortgage solutions may be appropriate for clients who need to:

  • Restructure existing financing to better align with their financial objectives
  • Consolidate high-interest debt into a single financing solution
  • Address CRA balances or outstanding property taxes
  • Bring an existing mortgage into good standing and avoid enforcement action
  • Access equity to support business, investment, or other financial objectives
  • Improve cash flow and overall financial flexibility


Frequently asked questions


Private mortgages provide mortgage brokers with a flexible, equity-based financing solution for clients who may not meet traditional lending criteria.

Whether a client has non-traditional income, requires funding on a tight timeline, or falls outside conventional bank guidelines, private lending can help address a wide range of financing scenarios efficiently.

While private mortgages typically carry higher interest rates than traditional financing, they are generally intended as a short-term financing solution—helping clients bridge immediate needs, access equity, or stabilize their financial position while working toward longer-term financing objectives.


Yes, we can accommodate rush closings. Please indicate that the file is urgent when submitting the deal. In most cases, we can provide a commitment letter within one business day or less.

Yes, you will have a dedicated BDM managing your file from submission through to closing. They will keep you informed at every step of the process.

Yes, please reach out to us through our contact form and we can provide you with a list of our approved appraisers.

Our Process In Four Easy Steps

1

Inquire

Connect with our team to discuss your deal. We'll review your file and answer any questions you may have.

2

Submit

Submit your file through Lendesk or Filogix.

3

Commitment Letter

Receive a commitment within 24 hours. Once all required supporting documentation is received, we'll instruct your file and move it toward funding.

4

Funding

A dedicated Deal Manager will keep you informed every step of the way through closing.