Private Lender Mortgage Hub

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Exclusive Benefits

How we Benefit Private Mortgage Shoppers

Get your money faster!

We can close a private mortgage in a matter of days, getting you cash in hand fast and easy

Lowest Fees

We have the lowest fees on private mortgages.

Free Buyers Guidance

We walk you through step by step everything you need to know and understand in the buying process.

Lowest Rates for private mortgages

You benefit from the large rate discounts the banks give us. We get discount because of the large volume of mortgages we send to the bank.

Discounted Legal fees

We have relationships with many lawyers, that give our clients discounts on legal fees.

Realtor Discounts

The realtors we work with provide our buyers discounts and benefits.

Multiple Lenders

We shop around at multiple lenders for the best rates and terms to fit your needs. We have access to more lenders.

Top 5% In Canada

Sean, your main broker is ranked in the top 5% of mortgage brokers in Canada. Making it easier to get approved

Easier Approval

We have multiple underwriters that all braistorm the easiest way to get you approved

Multiple credit bureaus

We are one of very few brokers that have access to both credit bureaus. If you have bad credit on one, we can use the other!

Quarterly Checkups

We find ways to save you money on interest every step of the way.

Free Mortgage Videos

Our youtube channel provides you with free videos to help you make wise purchasing decisions

How long does it take to get a private mortgage?

Normally it will take 5-10 business days

How Much downpayment do i need?

Normally the minimum downpayment is 10% down.

Should I get approved at my bank?

No, you do not need to go into your bank for approval. We pull your credit once and shop around for rates at all of the banks. The rates we can get you are lower than what you can get going into your bank. If you shop on your own, your credit will be pulled by every lender and will drop. This can prevent you from getting the best rates.

Can I get a mortgage if I have bad credit?

Yes you can! Provided you have 15% down. Please call us with any credit questions. It might not be as bad as you think! You can get a mortgage after bankruptcy and after consumer proposals.

Is it easy to refinance with a private lender

Yes Private lenders are the easiest way to refinance. Their lending criteria is based on the equity in your home, not your credit and income.

Can you renew my private mortgage?

Yes we offer mortgage renewals at amazing rates! We shop all of the private lenders for you to find the best rates and fees

What is the minimum credit score with a private lender?

There is no minimum credit score. Private lenders will lend to anyone with equity. Some of their decisions are also based on location and type of property. Call us with any questions about this.

Are private lenders safe?

Yes, the private lenders we use are very safe. You should not shop directly with private lenders, as not all of them are good. Please contact us prior to signing with a private lender, so that we can guide you.

Our Private lender resources

Private lenders vs B Lenders Video. Article
What is a B Lender? Video. Article
How to get a mortgage when you are self employed Video. Article
How to get a mortgage when the bank says no Video. Article
Common reasons for foreclosure in Canada Article
Private lender Ultimate guide Article

Do Private lenders charge a fee?

Yes all private lenders charge a fee. Most of them are 2-4% of the principal amount. The reason for this, is due to where they get their money from. It is from investors that are expecting a certain rate of return.

Do I have to be a citizen to get a private mortgage?

No, you do not have to be a resident of Canada to get a private mortgage here.

Why do people get private mortgages?

Bad credit or no credit
Spousal buyouts
renovation
Refinance to pay debt
No job
Need Money now

And many other reasons. Please call us with your scenario.

Our Clients Believe In Us

HERE IS WHAT
THEY ARE SAYING

Can’t say enough great things about Sean and Radika! If you’re looking for professionalism, exceptional customer service and a hard working team that gets things done then they should be your go to! They’ve helped many of my clients increase their approval amounts, decrease their rates, get approved when other lenders or banks said no, and have also assisted clients to set up credit plans, helping them to rebuild their credit and get future approvals.

Sean is an amazing mortgage broker who got our very unique and challenging deal done at an amazing rate. I used a well-known and heavily advertised competitor at first, but when it ended up not being the deal we originally set out to get, Sean happily took over and crossed it over the finish line with an even lower rate. Not enough stars to give and will hire him again when we renew.

If I could give 10 stars I would! Radika Rampersaud is amazing to deal with and puts her clients first! I would highly recommend her services. As a legal assistant that does quite a bit of business with herself and Sean, their professionalism is amazing and they go out of their way to help! Thank you!