Private Lending · Toronto & GTA
Toronto private mortgage guides
Private mortgages are short-term, equity-based loans for situations A and B lenders can't fund — bruised credit, unverifiable income, construction, or fast closings. They're a bridge, not a destination.
When private actually fits
Short timelines, equity-rich properties, and a clear exit back to A or B financing within 6-12 months. If there's no exit, private isn't the answer.
Rates, fees, and structure
Private first mortgages typically run higher than bank rates plus lender and broker fees. Seconds are higher still. We disclose every cost up front.
Regulation and protection
All private mortgages we arrange go through FSRA-licensed brokers under the Mortgage Brokerages, Lenders and Administrators Act, 2006.
Guides in Private Mortgages in Toronto
10 min read
Private Mortgages in Toronto: When They Make Sense (and When to Walk Away)
Private mortgages are short-term, equity-based bridge solutions. They're powerful in the right situations — and very expensive in the wrong ones.
7 min read
Second Mortgages in Toronto: How They Work and When to Use One
A second mortgage sits behind your existing first and lets you tap equity without breaking it. Here's the math, the risks, and the right scenarios.
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Private Mortgages in Toronto — frequently asked
Are private mortgages safe?
When arranged by a FSRA-licensed brokerage with full cost disclosure and a defined exit, they're a legitimate short-term tool. Avoid any 'private' offer without written disclosure of all fees.
How long do private mortgages run?
Most are 6 to 24 months, interest-only, with a clear plan to refinance back to an institutional lender at maturity.
What credit score do I need for a private mortgage?
Private lenders are equity-driven, not credit-driven. They lend against the property, typically to 75-80% LTV on a first and 80-85% combined on a second.
Is private the right bridge for your situation?
Tell us the property, the goal, and the timeline. We'll tell you whether private fits — and what the exit looks like.
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This website does not guarantee any mortgage rate, approval, or product. We do not provide mortgage advice on this website. All mortgage transactions are handled by the licensed brokerage identified on this site, in accordance with FSRA requirements.