Trusted Private Mortgage Solutions in Ontario
Bridge the gap with equity-based financing. We prioritize your property's value over credit scores, providing the capital you need with customized exit strategies.
80% LTV Caps
Maximum equity access
No Income Proof
Stated income accepted
24h Commitment
Fast-track approvals
Flexible Terms
Interest-only available
"We found a solution when the banks said no."
Understanding Private Lending
What is a Private Mortgage?
A private mortgage is a short-term, interest-only loan funded by private investors or companies rather than traditional banks. Unlike "A" lenders (banks) or "B" lenders (trust companies), private lenders care primarily about your **property's equity** rather than your credit score or declared income.
When to use it?
Private mortgages are "bridge" solutions. They are used to solve immediate financial problems, such as preventing foreclosure, consolidating high-interest debt, or financing a property that banks won't touch.
How long does it last?
Most private mortgages have terms of 1 to 2 years. The goal is to use this time to repair credit, stabilize income, or sell the property, eventually transitioning back to lower-cost traditional financing.
Private vs. Traditional Banks
See why private lending is the right choice for unique situations.
| Features | Traditional Banks (A/B) | Hopewell Private Network |
|---|---|---|
| Approval Criteria | High Credit & Solid Income | Home Equity & Property Value |
| Approval Time | 2 - 4 Weeks | 24 - 48 Hours |
| GDS / TDS Ratios | Strict Limits | Not Required |
| Documentation | Full Tax & Job Verification | Minimal |
| Self-Employed | Difficult to Qualify | Easily Accepted |
"They understood our unique situation when the big banks didn't even listen."
Securing Your Future, One Step At A Time
Standard banks look at credit scores; we look at your property's potential. Our private solutions bridge the gap when traditional financing falls short.
Instant Liquidity
Access your home equity in days, not weeks. Perfect for urgent needs.
Equity-First
Bad credit? No income proof? No problem. We lend based on property value.
Exit Strategies
We don't just lend; we help you transition back to traditional banks.
Ready to Start?
Get Approved for Your
Private Mortgage Today
Professional private mortgage solutions in Ontario. Fast approval, flexible terms, competitive rates.
Fast Approval
24-48 hours approval
Flexible Terms
Customized solutions
Trusted Service
7+ years experience
Our Simple 4-Step Process
Get your private mortgage approved quickly with our easy process
Submit Application
Complete our simple online form or call us directly
- Fill out our secure online application form
- Provide basic property and financial information
- Upload required documents
- Get instant confirmation of submission
Initial Discussion
We discuss your needs and review your situation
- One-on-one consultation with mortgage specialist
- Review your financial goals and requirements
- Discuss property details and loan options
- Explain available mortgage solutions
Approval & Terms
Receive approval and review mortgage terms
- Fast approval decision (24-48 hours)
- Customized mortgage terms presentation
- Interest rate and payment schedule
- Legal documentation review
Funding & Closing
Complete the process and receive your funds
- Legal documentation signing
- Final property appraisal if required
- Fund transfer coordination
- Ongoing support and service
24-48 Hours
Typical Approval Time
Equity Based
Focus on Property Value
117+ Lenders
Extensive Private Network
Flexible Solutions
Common Use Cases for
Private Mortgages
Private lending isn't just for bad credit. It's for **time-sensitive** or **non-standard** financial needs that big banks are too slow or too rigid to handle.
Stopping Power of Sale
Prevent foreclosure and save your home equity immediately.
CRA & Property Tax Arrears
Pay off government debt to avoid legal liens and seizures.
Debt Consolidation
Combine high-interest credit cards into one low monthly payment.
Home Renovations
Unlock equity to increase your property value before a sale.
Bridge Financing
Buy your new home before your current one has sold.
Self-Employed/Stated Income
Approvals based on what you actually earn, not tax returns.
Our Exit Strategy Focus
We don't just want to lend you money; we want to see you succeed. Every private mortgage we fund comes with a **tailored exit strategy** to help you move to a lower-interest bank mortgage as soon as possible.
Credit Rebuilding Plans
Partnerships with specialists to boost your score.
Income Documentation Prep
Helping self-employed clients get bank-ready.
Property Appreciation
Guidance on renovations to increase your LTV.
Got Questions?
Private Mortgage FAQ
QWhat is the maximum LTV (Loan to Value)?
In most urban areas of Ontario, we can lend up to 80% of your home's appraised value. For rural properties, the limit is typically 55-65% depending on the location and property type.
QDo I need to prove my income with tax returns?
No. Unlike banks, private lenders do not require T4s or NOAs. We focus on the equity in your home and your ability to carry the interest-only payments.
QWhat are the typical interest rates?
Private mortgage rates in Ontario currently range from 7.99% to 12.99% depending on the LTV, property type, and position (1st vs 2nd mortgage). These are interest-only loans, which keeps monthly payments lower.
QHow fast can I get the money?
We can issue a commitment letter within 24 hours. The actual funding typically takes 5 to 10 business days, depending on how quickly the appraisal and legal work are completed.
Need Funding Fast?
Our team can often provide a commitment letter within the same day. Don't let rigid bank rules stand in your way.