Private Mortgages in Canada
Whether you’re facing credit challenges, income complexity, or a time-sensitive purchase, private lending offers more flexible qualification criteria compared to traditional banks.
At Brevity Mortgages, we specialize in private lending solutions for those who don’t traditionally qualify with the banks.
When a Private Mortgage May Be Used
Private mortgages are often considered for short-term financing needs, including situations where traditional approval is difficult or when fast access to funds is required. If you have bad credit, self-employed income, or you’re going through a transition period such as refinancing, debt consolidation, or purchasing a property with unique circumstances, a private mortgage may be a suitable solution.
Key Considerations
While private mortgages offer flexibility, they typically come with higher interest rates and shorter terms. They are generally used as a temporary solution with a clear exit strategy, such as refinancing into a traditional mortgage once financial circumstances improve.
A Strategy, Not Just a Solution
Our goal is to ensure a private mortgage fits into your overall financial plan. We help structure your financing carefully so you can stabilize your situation and transition to more affordable long-term lending when possible.
Looking for options?
Contact Brevity Mortgages today to explore whether a private mortgage is the right solution for your situation and learn what alternatives may also be available. Call (905) 814-4455 or email info@brevitycapital.com
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Frequently Asked Questions
A private mortgage is a loan funded by a private lender instead of a traditional bank or credit union. Private mortgages are commonly used when borrowers do not qualify through standard lending channels.
Private mortgages may help borrowers with bad credit, self-employment income challenges, mortgage arrears, debt consolidation needs, or urgent financing situations.
In many cases, private mortgage approvals are faster because private lenders focus more on home equity and property value than strict banking guidelines.
Yes, private mortgage rates are usually higher than traditional bank mortgages because they involve increased lending risk.
Yes, private mortgages may include lender fees, broker fees, legal fees, and appraisal costs.
