Alternative Credit &
Private Mortgage Lending
When standard A-tier retail banks reject your mortgage application due to credit blemishes, past consumer proposals, or irregular income profiles, you still have options. Through B-lenders (trust companies, credit unions) and private debt syndicates, we secure financing based on your property value and equity, rather than strict personal income histories.
Flexible B-Lending Alternatives
B-lenders offer highly competitive interest rates with flexible income verification terms (such as 6-month bank statements and 500+ credit scores).
Equity-Based Private Mortgages
Private mortgages look solely at your home equity. Borrow up to **75% - 80%** of your home value regardless of tax returns or prior bankruptcies.
Qualified Mortgage Pre-Approval
What is your primary financing goal?
Select one option to customize your rate matrix.
Our Transitional Credit Programs
Short-Term Custom Funding
Private mortgages are structured as short-term interest-only loans (typically 1 to 2 years). This acts as a bridge, giving you time to rebuild credit or verify income.
Credit Rebuild Assistance
We don't just secure private credit; we design a customized credit repair roadmap, helping you rebuild score profiles so you can transition back to low-interest commercial banks quickly.
FSRA Regulated Protection
All private lending options are negotiated transparently through certified channels under The Mortgage Firm (#13466), strictly compliant with Ontario's FSRA standard codes of conduct.
Private & B-Lender FAQs
Key insights into equity approvals, credit score floors, and ratio flexibilities.
Most private lenders and Mortgage Investment Entities (MIEs) fund up to 75% to 80% Loan-to-Value (LTV) on residential properties in urban and suburban hubs like London, St. Thomas, and Woodstock.