Private & Alternative Mortgage Solutions

Build Wealth Through Real Estate

Private Mortgages

Your Local "Common Sense" Mortgage Brokers

Flexible - We specialize in helping where the banks cannot

Great Rates and Terms - Vary by situation - quick estimates available

Trusted Service and Advice - Referrals are our main source of business.

Our Private and Alternative Mortgage Lenders can offer:

  • Flexibility: Minimal paperwork
  • Fast approval and quick funding
  • Products available for both good and bad credit
  • Loans in Company name OK
  • Need something else? Ask!
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We can assist with Conventional mortgages, 2nd and 3rd Mortgages, HELOC, or Home Equity Loans. Many private mortgage options.

Yes! You can still get a mortgage if you have bad credit. You usually just need at least 20% down plus closing costs.  

We can Stop Foreclosure. 

What is a Private Mortgage? Private or alternative mortgage lending is a win/win for the borrower and lender - The lenders risk is capped by the security of the property, so they can offer reasonable rates, even in less than perfect situations. Rates on flexible mortgages are typically between 6.5-9%. Private HELOC's available. 2Nd mortgages start around 8.49% and are typically 10-15%. The higher the risk, the higher the rate. There can be one-time lending fees associated with alternative mortgages are typically 4-5%.

Alternative mortgage lending doesn't usually require the paperwork of a typical mortgage. Often, just home equity alone is enough for approval, sometimes a degree of backup is required but flexibility is still the name of the game. Mortgage loans a bank would not consider are easy and smooth in the private space. Consumer proposals, collections, judgements, and bankruptcy can all be worked with.

Private mortgages can make sense for anyone, regardless of your credit. Perhaps you have great credit and income and need to do some work to your house. You would like to access your equity. Perhaps you have a great rate on your primary mortgage with a big bank and don't want to refinance. A private loan may be the perfect solution. You can borrow the funds now and just blend it into your mortgage at the next renewal.

On the other hand, perhaps you are 2-3 months behind on your mortgage because of some surprise expenses or medical bills. A private lender will look past the missed payments because they have the security of your property.

What's Next?

Get in Touch

First time buyer or refinancing? Call for a free quote!

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We shop for the best mortgage option at no charge to you.

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Mortgage Calculators

Crunch the numbers and explore your mortgage options!

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Happy Clients

  • Very efficient. Shawn suggested ways to do things that I'd never have thought of. He kept me up to date and explained how the process and timeline would work. I would recommend Shawn to anyone.
    Richard J - Client
  • I appreciate your fast responses and perfect work
    Jack H - Client
  • Shawn is very easy to work with and very knowledgeable. I don't hesitate to refer my clients to him for their financing needs.
    Rhonda Murray - Real Estate Lawyer
  • Thanks Shawn for the excellent service you provided on the refinancing of my home. Great communication and fast turnaround. A pleasure doing business with you.
    John L - Client
  • I've known and worked with Shawn close to 20 years. Fantastic service and and he always has good solutions for his clients. Thanks Shawn!
    Mark T - Client
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