Private mortgage solutions

What is a private mortgage?

A private mortgage, which can be a first, second or third mortgage, from a private lender is the quickest and easiest method for getting financing usually within 2-3 business days.. Doesn’t matter if you are refinancing your current home, or purchasing a property, a private mortgage is the easiest mortgage to qualify for for those tight situations or if your income or credit doesn’t allow you to qualify with traditional mortgage financing.


My private lenders approve your mortgage based on the equity in the property, and not the traditional credit and income qualifications the banks require. Whether you have good credit, bad credit, no credit, came out of a bankruptcy, or are currently in a consumer proposal I can get your private mortgage approved for you today !

Do you need a private mortgage for any of the following needs?

  • Consolidate Debts
  • Renovate your home
  • Invest in  your business
  • Pay off consumer proposal
  • Pay mortgage arrears
  • purchase investments
  • Pay for wedding expenses
  • Pay for education
  • Cover medical expenses
  • Pay CRA tax arrears
  • Pay property tax arrears
  • Take family vacation
  • Purchase a car
  • Get out of high interest loans
  • Invest in RRSP or RESP
  • Pay off Pay day loans
  • Pay off Judgements, garnishments
  • Finance whatever your specific needs may be

Lending criteria

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Interest Rates start at 6%

Flexible Terms up to 3 years

No Loan to Value- Common sense approach

Minimum Loan starting at $5,000

We lend in BC, Alberta and Saskatchewan

We offer a variety of loan options

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Purchases

Residential, Commercial, Investment, Land, Industrial...we use common sense approach with no maximum Loan to Value or area restriction.

Bridge Loans

A short-term loan that is used until you can secures permanent financing or removes an existing obligation. This type of financing allows you to to meet current obligations by providing immediate cash flow. 

Home Equity Loans

If you own a home, using the equity you have built up may be one of the most cost-effective ways to lower your borrowing costs. You may be able to borrow against the equity in your home to finance other needs such as a home renovation, debt consolidation, and more

Second Mortgage

A second mortgage can be a great way for homeowners to consolidate debt. If you use a second mortgage to consolidate and help you meet other financial commitments on time, this can improve your credit score and allow you to qualify for a mortgage with a prime lender sooner

Debt Consolidation

A loans consolidation is someone obtaining a bigger loan to pay out smaller loans that they currently making payment on.  It is combining a number of loans into one loan with a single monthly payment

Second mortgage

Our Second Mortgage Program

  • Second Mortgages Approved Up To 90% Of Your Home Value
  • Second Mortgage Approvals For All Income & Credit Types
  • Fast Funding In As Little As 2-3 Business Days
  • Your Approved Based On Equity Not Income Or Credit !


What is a second Mortgage?

Whether you have good or bad credit a Second Mortgage can help get you money for whatever you need and the process is usually as little as 2-3 business days. Due to the increased risk for the lenders because the second mortgage is in second position, the interest rates for second mortgages are typically more than those for first mortgages and will have fees as part of the mortgage.


The term “second mortgage” is used because the loan is second in priority in case of default. This means that if a borrower defaults, the first mortgage will be paid off before the second mortgage.


We have many private mortgage lenders  who have helped our clients receive second mortgages regardless of income or credit, on the basis of equity in their property. See the difference for yourself and get approved today with our second mortgage solution !

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What documents do i ineed?

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Current Mortgage Statement

Must be dated same month as your application form, if you do not have one you can contact your mortgage lender and request one to be sent to you by email.

Most recent property tax statement

If you do not have this, then you can get the most updated statement from your local city hall.

Most recent NOA

NOA may be requested to show no income tax owing – If income tax owing it will need to be paid out from the new second mortgage upon closing.

Other documents may be required

I will help you if any other documents are required for your second mortgage needs.

Increase your cash flow

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For any of the following needs:

Consolidate debts

Renovate your home

Invest in your Business

Pay off Consumer Proposal

Pay mortgage arrears

Purchase investments

Pay for expenses

Pay for Education

Cover medical expenses

Pay CRA tax arrears

Pay property tax arrears

Take a family vacation

Purchase a car

Get our high interest loans

Invest in RRSP/RESP 

pay off pay day loans

pay off judgements, garnishments

Finance whatever your specific needs may be