When a bank says no — bruised credit, non-traditional income, or a timeline too tight for standard underwriting — a private mortgage, in first or second position, can still get your file funded, built around your actual situation.
How It Works
Your private 1st & 2nd mortgages journey, simplified
01
Apply online
Tell us about yourself and your mortgage needs — takes about 2 minutes.
02
Team review
A licensed mortgage agent reviews your information and explores your options.
03
Options & match
We match you with the best lenders and solutions for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
Common Questions
Private 1st & 2nd Mortgages FAQ
What's the difference between a private 1st and 2nd mortgage?
A private 1st mortgage is the primary loan registered against your property. A private 2nd mortgage is registered behind an existing 1st mortgage (bank or private) without disturbing its rate or term — commonly used to access equity for debt consolidation, renovations, or a short-term cash need.
When does a private mortgage make sense?
When traditional lenders decline your file — due to credit history, non-traditional or unverifiable income, or a timeline too tight for standard underwriting.
Are private mortgage rates much higher?
Yes, typically higher than bank rates, reflecting the higher risk and faster, more flexible underwriting. We'll walk through exact numbers for your file.
What do private lenders look at instead of credit score?
Primarily the property's equity and loan-to-value ratio — private lending is asset-based first, credit-based second.
General information only — your specific numbers depend on your file. A licensed mortgage agent will confirm exact details for your situation.
Get Started
Get pre-qualified
Welcome
Let's find your best mortgage option
Answer a few quick questions and a licensed mortgage agent will follow up personally — no obligation, no bank-style runaround.
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