Private Mortgage Funded in 24 hours*.Rates from 4.99%*.
50+ Ontario private lenders matched to your deal. Equity-based approvals — income doesn't block you. foreclosure, bankruptcy, construction draws, debt rescue — all covered.
Reviews5.0/5
Real Results, Fast.
5.0/5.0
client rated
1-2 days
typical funding
50+
lenders compared
“One of the best experiences I have had with mortgage financing for my commerical and residential projects. Damien atapattu has assisted me numerous times in securing financing and has not only set clear expectations but delivered in a timely manner. Highly recommended for those who are looking for the best solution, transparency and results!”
Refinance
Your Protection. Our Commitment.
Transparent fees
Lender, broker, legal itemized
Exit strategy
Refi path planned from day one
No-pressure next step
Review terms before committing
Your Private Mortgage Advantage.
Ontario private mortgage expertise — speed, equity, and lender match.
30+ Lender Match
Investor, MIC, private fund
Equity-First Review
Income flexibility built in
50+
lenders
1-2*
days
80%
LTV
Process
Your Toronto Private Mortgage — 3 Steps.
1. Apply
60 sec intake
2. Match
Best-fit lender
3. Fund
1-2 days*
FAQs
Private Mortgage Toronto?
Quick answers on Ontario private mortgages.
Most Ontario private mortgage files fund in 3 to 10 business days. Rush closings — power of sale, urgent purchases — can close in as few as 3 business days once all documents are in.
Your Private Mortgage Advantage.
Ontario private mortgage expertise — speed, equity, and lender match.
30+ Lender Match
Investor, MIC, private fund
Equity-First Review
Income flexibility built in
50+
lenders
1-2*
days
80%
LTV
Process
Your Toronto Private Mortgage — 3 Steps.
1. Apply
60 sec intake
2. Match
Best-fit lender
3. Fund
1-2 days*
Real Results, Fast.
5.0/5.0
client rated
1-2 days
typical funding
50+
lenders compared
“One of the best experiences I have had with mortgage financing for my commerical and residential projects. Damien atapattu has assisted me numerous times in securing financing and has not only set clear expectations but delivered in a timely manner. Highly recommended for those who are looking for the best solution, transparency and results!”
Refinance
Your Protection. Our Commitment.
Transparent fees
Lender, broker, legal itemized
Exit strategy
Refi path planned from day one
No-pressure next step
Review terms before committing
FAQs
Private Mortgage Toronto?
Quick answers on Ontario private mortgages.
Most Ontario private mortgage files fund in 3 to 10 business days. Rush closings — power of sale, urgent purchases — can close in as few as 3 business days once all documents are in.
Get Your Private Mortgage Options
Takes under 60 seconds
Stop Losing Deals to Slow Bank Approvals
When banks can't close in time, your deal falls apart. Private lenders fund in 3–10 days.
The Bank Way
Waiting Weeks, Missing Deadlines
The Private Lending Way
Funded in Days, Deals Saved
Everything You Need for a Private Mortgage in Toronto & Ontario
50+ Ontario Private Lenders — One Application.
We compare individual investors, MICs, and private funds across Ontario. More competition means better rates and terms for your deal.
Equity-Based Approvals — Income Doesn't Block You
Ontario private lenders care about your property value, location, and LTV — not your T4 or NOA. Self-employed, CRA arrears, previous bankruptcy? We match you every time.
Close in 3–10 Business Days While Banks Take Months
Private lenders move fast. We've funded deals in as few as 3 business days across the GTA and Ontario.
Private 1st & 2nd Mortgages Up to 80% LTV
Whether you need a first charge or a second mortgage behind an existing bank loan, we structure the deal to maximize your equity access.
Exit Strategy Built Into Every Deal
Every private mortgage includes a clear exit plan — refinancing to a B-lender in 12 months or A-lender in 24.
Bridge Loans, Construction Draws & Debt Rescue
We handle bridge loans between properties, construction draw mortgages, and debt consolidation to clear CRA liens, judgments, and consumer proposals.
All Ontario Property Types Accepted
Toronto condos, GTA homes, rural Ontario acreage, mixed-use, and problem properties — if it's in Ontario and has equity, we have a lender for it.
Transparent Fee Structure Before You Sign
Lender fee (1–2%), broker fee (1–2%), Ontario legal fees, and appraisal costs — all itemized in writing before you commit.
Boutique Service — Your File Gets Expert Eyes
A licensed broker reviews your deal, structures the right terms, and manages lender communication from inquiry through funding.
Toronto Private Mortgage — From Application to Funded in 6 Steps
STEP 01
Free Private Mortgage Consultation
Tell us about your Ontario property, your situation, and your funding need. We assess equity, LTV, and lender-fit in minutes.
STEP 02
Deal Structuring & Lender Match
Your broker structures the mortgage — rate, term, LTV, fees, and exit strategy — and matches it to the right lender.
STEP 03
Commitment Letter Issued
Once matched, your lender issues a commitment letter. We review all terms with you before you sign anything.
STEP 04
Legal & Appraisal Coordination
We coordinate with the lender's lawyer and appraiser. All documentation managed by your broker.
STEP 05
Funded in Days
Final approval and funding in 3–10 business days from accepted commitment to money in your account.
STEP 06
Exit Strategy Execution
We start working on your refinance exit from day one — monitoring your qualifying status for an on-time refinance.
Funded in 3–10 Days
Fastest private mortgage closings in Ontario
All Situations OK
Bad credit, self-employed, CRA arrears, power of sale
Toronto & GTA Experts
Serving all of Ontario — urban, suburban & rural
50+ Private Lenders
Competed for your best rate
Your Protection Is Our Priority — FSRA Licensed
FSRA Licensed #13763
Regulated by the Financial Services Regulatory Authority of Ontario.
Full Fee Disclosure — Always
Every lender fee, broker fee, and ancillary cost is disclosed in writing before you commit.
No Obligation to Proceed
Get your private mortgage assessment with zero pressure.
Your Data Stays Private
Your personal and property information is encrypted and handled with strict confidentiality.
We Put It in Writing
Best Available Rate
We shop 30+ private lenders to find the most competitive rate for your exact deal.
Fast Close Commitment
We commit to funding within 24h to 48h* business days once all documents are in.
Full Cost Disclosure
Every cost is itemized in writing before you proceed.
Exit Strategy
Every deal includes a written exit plan with target timeline and qualifying milestones.
Refinance Support Included
When your private term approaches its end, we proactively assess your qualifying status and connect you with the best institutional option.
Boutique Deal Review
Every file is reviewed by a licensed broker — not auto-submitted. We check for unfair terms and better alternatives.
Private Mortgage Toronto — Frequently Asked Questions
Everything Ontario borrowers need to know about private mortgages — answered clearly and honestly.
A private mortgage is a short-term loan secured against real property, funded by private investors or MICs rather than chartered banks. It makes sense when banks deny you, you need to close fast (3–10 days), or your property doesn't fit conventional criteria.
As of 2026, private first mortgage rates start from 6.99%, with most deals between 7.99%–11.99%. Second mortgages run 9.99%–14.99%. Bridge loans range from 8.99%–12%.
In most cases, we fund within 3–10 business days from when we receive full documentation. Rush closings in 3 days are possible for clean deals.
Typical fees: Lender fee (1–2%), Broker fee (1–2%), Appraisal ($350–$600), Legal fees ($800–$1,500). All fees disclosed in writing before you commit.
Yes. Private lenders focus on property equity and LTV, not credit score or income. Consumer proposals, bankruptcy, CRA arrears, and judgment liens are all workable.
Most residential and some commercial properties: single-family homes, condos, townhouses, duplexes, triplexes, rural properties, and mixed-use.
Private lenders typically lend up to 75–80% of appraised value on a first mortgage. Combined LTV capped at 75–80% for second mortgages. Minimum usually $50,000.
Most private mortgages are 6 to 24 months, with 12-month terms being most common.
The plan to refinance out of the private mortgage into lower-cost institutional financing. Common exits: B-lender at 12 months, A-lender at 24 months.
Yes — you should always have independent legal representation. We can provide referrals to experienced real estate lawyers.
Property details, current mortgage statement if applicable, 2 pieces of government ID, explanation of funding purpose, and property appraisal (we arrange this).
Many include a 3-month interest prepayment penalty. Some lenders offer open or semi-open terms. We always negotiate the most flexible terms and disclose all conditions.
Request Your Free Assessment
Takes under 60 seconds
Legal
Important Disclosures
Rates & Approvals
All mortgage approvals are subject to property appraisal, lender conditions, and legal review. Rates shown are for illustrative purposes only, are subject to change without notice, and may vary depending on property type, loan-to-value (LTV), and application strength. Not all applicants will qualify for advertised rates.
Funding Timelines
Funding timelines (24–48 hours) reflect ideal conditions and depend on receipt of all required documents, appraisal, and legal arrangements.
Private Mortgage Risk
Equity-based (private) mortgages are short-term financing solutions and may include higher interest rates and fees compared to traditional bank products. Borrowers are responsible for understanding repayment terms and associated risks. Missed payments may result in default or enforcement actions, including foreclosure.
FSRA Licensed Brokerage
lendsimpl is a licensed mortgage brokerage (FSRA #13763), operating under the Mortgage Architects network. All lending is subject to applicable provincial regulations and industry guidelines.
This page is for informational purposes only and does not constitute a mortgage offer or legal advice.
Ontario-Wide Service
Private Mortgages — Serving All of Ontario
lendsimpl arranges private mortgages for borrowers across Ontario — from the Greater Toronto Area (Toronto, Mississauga, Brampton, Markham, Vaughan) to Hamilton, Ottawa, London, Kingston, Barrie, and beyond. Whether you're in Kitchener-Waterloo, Windsor, Niagara Falls, Guelph, or further north in Sudbury, Thunder Bay, or Sault Ste. Marie, our network of 30+ private lenders can fund your deal. Bad credit, self-employed, bridge loans, and CRA arrears accepted across the province.
Not sure if we serve your area? (416) 299-6096 — we work with borrowers across all of Ontario. FSRA Licensed Brokerage #13763.