Private Mortgage in Ajax
Private mortgages in Ajax are equity-first loans funded by Mortgage Investment Corporations and individual investors. When banks and B-lenders have declined, when a closing is days away, or when a power of sale is moving on your home, private money is often the only realistic option — and it can fund within 5–10 business days.
- 24–48 hour conditional approvals on clear files
- Underwriting based on property equity, not income or credit
- Typical rates 8–12% with 1–3% lender fee, 6–12 month terms
- Always structured with a documented exit back to A or B lending
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Tell us what you're financing
Jay Klair has placed hundreds of private mortgages across Durham Region. Every file is underwritten with the exit in mind: typically 12–24 months at private rates while we work on the credit, income, or property issue that triggered the placement, then we refinance back to a B or A lender.
Common questions
Real answers for Ajax homeowners considering private mortgage.
Other mortgage services in Ajax
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Restructure your mortgage to access equity, lower payments, or consolidate debt — strategically.
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Roll high-interest credit cards and unsecured debt into a low mortgage rate. Free up cash flow.
OpenSelf-Employed Mortgage
Stated-income, bank-statement, and no-docs programs for entrepreneurs and contractors.
OpenPrivate Mortgage near Ajax
From the Learning Centre
Mortgage Renewals in Ontario
Your renewal letter is not your best offer. Here's how to renew strategically in Ontario.
Mortgage Refinancing
When refinancing your mortgage makes financial sense — and when it doesn't.
Mortgage Debt Consolidation
Rolling high-interest credit card debt into a mortgage rate — when it works and when it backfires.
Get private mortgage in Ajax
Free consultation, no obligation. Most files have a clear answer within 24 hours.