Our mortgage solutions
Private mortgages.
Practical possibilities.
We focus on first and second mortgage financing secured against real property. Every scenario begins with an understanding of the property, the available equity and your objective.
Our financing
01. First mortgages
A first mortgage is registered in first priority against a property. Whether you are seeking new secured financing or to replace an existing mortgage, we can consider the available equity, the property's value, and the proposed financing terms.
Ask about a first mortgage →02. Second mortgages
A second mortgage is registered behind an existing first mortgage. It may allow property owners to access funds using available equity without necessarily refinancing their current first mortgage. Existing debt and total borrowing against the property are part of the review.
Ask about a second mortgage →03. Equity-first review
We place substantial weight on the property and the equity available. Applicants with self-employment income, limited traditional income documentation or imperfect credit can ask us to review their circumstances. Depending on the file, additional financial, title, identity, valuation and legal information may be required.
Discuss eligibility →How it works
A simple starting point.
01 · Tell us your goal
Let us know the property location, approximate value, existing mortgages and the amount you are looking to borrow.
02 · We review the property
We consider the available equity and relevant lending considerations, including property, title and transaction details.
03 · Understand your options
If there is a suitable option, we discuss indicative terms, potential rates, fees, repayment obligations and next steps.
Questions
Frequently asked questions
Do you only consider conventional employment income?
No. Our equity-focused approach can accommodate discussions with borrowers whose income does not fit a traditional bank's documentation model. The documents needed are determined on a case-by-case basis.
What if my credit is less than perfect?
Credit is not necessarily the sole deciding factor. We consider the property, equity, existing obligations and the overall transaction. Approval remains subject to review.
Can I keep my existing first mortgage?
A second mortgage may be possible without replacing an existing first mortgage. The existing lender's requirements, mortgage terms and title position still matter.
How much can I borrow?
The amount depends on the property's value, the mortgages and other charges already registered against it, and the terms available for that specific property.