Welcome to Flexible Lending

Building Wealth Through Real Estate

Private Mortgages

Your Local "Common Sense" Mortgage Brokers
We work with a wide range of flexible and open-minded mortgage lenders, who can provide a quick turnaround on various mortgage solutions. Everything from banks to credit unions to niche private companies. 

Our team has lots of ideas and solutions in our toolkit for a wide range of situations or unique circumstances. Good credit, bruised credit, or in between. 
Estates, CRA debt, collections, bankruptcy, etc. Are all workable. We can help with Conventional, 2nd, and 3rd Mortgages, HELOC, or Home Equity Loans.

If you need a mortgage problem solved, our team is your answer. 

Trusted Service and Advice - Referrals are our #1 source of business. 

Give me a call directly or leave a message below.

We look forward to assisting you. 

Shawn Hawkins
Mortgage Broker

What clients are saying:

"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

"Great service, great result, will use his service again." - Bruno F

"I wanted to commend you for your recent very helpful advice and close calculations on us finding a suitable method of using the equity in our home with CHIP and the equity loan to free up some much needed cash to tide us over the next few years. We are very pleased with your results."
-Sean and Carmen D 

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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 6-9%. Private HELOC's available. 2Nd mortgages start around 8% and are typically 9-14%. The higher the risk, the higher the rate. There can be one-time lending fees associated with alternative mortgages of anywhere from 1% - 6%, typically 2-5%.

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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