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Specialized & Private Lending

When is your current mortgage expiring?
Within 3 months
3–6 months
6+ months

When the Bank Says "No," We Look Deeper In the Toronto market, traditional lending rules can be too rigid for real-life situations. Whether you are dealing with a "fixer-upper" that the bank won't touch, or you’ve faced a life event that impacted your credit, we provide access to asset-based lending. Our private partners care more about the value of your property and your equity than just your credit score.

 

Why Choose a Private or Specialized Pathway?

Private lending is a strategic "bridge" designed to get you from where you are to where you want to be:

Custom Financing for Complex Scenarios

1

Speed of Execution

While a bank takes weeks, our private partners can often fund a deal in 3 to 5 business days. This is crucial for stopping a Power of Sale or winning a time-sensitive investment.

2

Equity-Based Approvals

We focus on the Loan-to-Value (LTV) ratio. If you have 25–35% equity in your home, you likely qualify, regardless of your income documentation or credit history.

3

Problem-Solving Flexibility

We fund unconventional properties (like hobby farms or multi-unit conversions) and provide capital for tax arrears, renovation "flips," or credit repair bridge loans.

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