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First & Second Mortgages

Access the financing you need with flexible first and second mortgage options designed around your situation.

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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)

Second Mortgages


Ontario Only

Ontario only - all locations across Ontario considered

Max LTV

Up to 80% LTV (on a case-by-case basis)

Term

 1 Year

Max Mortgage Amount

$500K

TDS / GDS / Income Qualification

None

Property Types

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

Reasons You May Be Looking For A Private 1st or 2nd mortgage

  • Restructure your current financing to better suit your needs
  • Combine high-interest debts into one manageable solution
  • Settle CRA balances or outstanding property taxes
  • Bring your mortgage current and prevent enforcement action
  • Unlock equity to support your business or investment opportunities
  • Regain control and strengthen your financial position

Frequently asked questions


Private mortgages provide a flexible, equity-based financing solution when traditional lenders can’t.

Whether your income is non-traditional, your timeline is tight, or your application doesn’t fit standard bank guidelines, private lending allows you to move forward with confidence—without unnecessary delays.

While rates are typically higher, private mortgages are designed as a short-term bridge—helping you secure your property, stabilize your situation, or access capital now, with the option to transition back to traditional financing down the line.

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 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 this to you.