Private Mortgage Solutions When Banks Say No
Quick approvals, interest-only options and custom terms to keep your Oakville plans on track
Avoid Delays, Discover OptionsNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
When Traditional Lenders Close Doors, We Open New Ones
Self-employed with uneven income, recently separated or carrying a few bruised credit marks? We know it can feel like big banks only see numbers on a screen. Our Oakville-based team partners with a network of trusted private lenders and credit unions that look beyond the algorithm, focusing on real equity, real property and real potential. Approvals often arrive within 24 hours—ideal when you are on a tight closing timeline for that Glen Abbey duplex or need funds fast to settle high-interest debts.
We start with a brief strategy call to outline goals, collateral and exit plan. From there we negotiate interest-only, short-term or blended solutions that protect cash flow while you rebuild credit or wait for traditional financing to make sense again. Many Oakville clients use our one-year private mortgage to finish renovations, boost property value and then refinance at mainstream rates the following season.
Transparency is key. We itemize lender and legal fees up front, explain holdback rules if construction work is planned and connect you with lawyers who specialize in private lending. Electronic signatures mean paperwork moves quickly, and most deals fund in five to ten business days. From Lakeshore Road infill projects to rural Flamborough lots that banks shy away from, we make sure viable deals never die for lack of flexible financing.
Book My Private Mortgage ReviewFAQs for Private or Alternative Mortgages in Oakville, Ontario
How fast can we close a private mortgage in Oakville?
With an appraisal and lawyer lined up, we often fund within five to ten business days. Our lenders issue commitments in as little as 24 hours, perfect for firm offers on Kerr Village properties.
What kind of credit score do private lenders require?
Scores matter less than equity and exit strategy. We have secured approvals for clients with scores in the 500s by showcasing solid collateral and a clear twelve-month refinance plan.
Can self-employed income qualify without two years of tax returns?
Yes, many private lenders accept bank statements, contracts or accountant letters instead of full T1 Generals. We package the documentation so your true earnings are front and centre.
What are typical fees on a private mortgage?
Expect a lender fee of one to three percent plus legal and appraisal costs. We disclose every dollar up front and can roll fees into the mortgage if cash reserves are tight.
How long should we stay in an alternative mortgage?
Most clients choose six-month to two-year terms while completing renovations or rebuilding credit. We set calendar reminders to review progress and switch you back to bank rates as soon as possible.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!