Private & B-Lender Mortgages in Ontario
Been turned down by the banks? Bruised credit or complex income doesn't mean the end of the road.
When a traditional A-lender says no — because of credit history, non-traditional income, or a tight timeline — private and B-lenders offer a path forward. These are short-term, equity-based solutions to bridge you back to prime lending. I'll be straight with you about the costs and, most importantly, the exit plan to get you back to an A-lender.
What you get
Approvals when banks decline
Equity-focused lending looks at your property and story, not just your credit score.
Solutions for complex income
Self-employed, commission, new income, or recent credit events — there's often still a way.
Fast, flexible funding
Private financing can close quickly when timing is tight or a bank deal falls through.
A real exit strategy
These are stepping-stones — I build a clear plan to move you back to prime lending.
Simple, from first call to close
We honestly assess your situation, equity, and timeline.
I source the right private or B-lender solution with fair terms.
We set a clear exit plan to graduate you back to an A-lender.
Common questions
Are private mortgage rates higher?
Yes — private and B-lender rates are higher than prime because they take on more risk and are usually short-term. The goal is always a temporary bridge with a plan to move you back to an A-lender.
How much down payment or equity do I need?
Private lending is equity-based, so you'll generally need more equity — often 20–35% depending on the property and situation. I'll tell you exactly where you stand.
How long do these mortgages last?
Typically one to two years. They're designed as a bridge while you repair credit or stabilize income, after which we refinance you into prime lending.
Other programs
Let's get you approved
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