What's the typical term?

6 or 12 months interest-only, with renewal options. Most clients exit within 12–24 months once the issue triggering the private placement is resolved.

Are private mortgages safe?

When structured properly with a clear exit, yes. The risk is taking a private mortgage without an exit plan and rolling forward indefinitely at high cost. We always document the exit before placement.

For: Urgent Situations

Private & Emergency Mortgage

"The bank turned me down — and I'm running out of time."

When the banks say no or a deadline looms, private lenders look at the bigger picture — primarily the equity in your property. We move fast, discreetly, and structure exits back to A-lending whenever possible.

24–48 hour conditional approvals
Power-of-sale and arrears specialists
Equity-first underwriting
Clear plan to exit back to bank rates

Step 1 of 4

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Private & Emergency Mortgage FAQ

Common questions

Real answers from a licensed Ontario mortgage broker.

Three common reasons: banks have declined the file, you need to close quickly, or you're stopping a power of sale. Private money is short-term capital that buys time to get back to better pricing.

Private & Emergency Mortgage by City