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Get a Private Mortgage
Access short-term mortgage financing through private lenders when traditional mortgage options are not available.
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Need help with a private mortgage?
Private mortgages offer a financing option when traditional lenders aren’t available. Experienced professionals help clarify terms, costs, and risks before you proceed.
Alternative lending options
Property-based qualification
Short-term mortgage solutions
Expert guidance
How it works
A simple process to explore private mortgage options and understand how they work.
What are you looking for?
Tell us about your financing needs and property details. This helps us understand what type of private mortgage support you’re looking for.
01
Get customised quotes
We’ll connect you with licensed mortgage professionals who can provide tailored private mortgage options based on your situation. Review quotes at your own pace.
02
Choose your professional
Compare experience, ask questions, and select the mortgage professional that best fits your needs and timeline.
03
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Understanding private mortgages
Understanding private mortgages
A private mortgage is a home loan provided by a private lender rather than a traditional financial institution. Approval is typically based on property value and available equity, rather than standard income or credit requirements.
Private mortgages are most often used as short-term financing solutions. They may be considered when traditional mortgage options are not available or when temporary funding is needed to address a specific situation.
Before choosing a private mortgage, it’s important to review interest rates, fees, loan terms, and repayment timelines. Because private lending works differently from traditional mortgages, understanding the full structure helps set clear expectations and reduce risk.
Pro Tip
Private mortgages are often used as temporary solutions. It’s important to understand how and when you plan to transition to longer-term financing.
Professional mortgage insight
Private mortgages differ from traditional loans in structure and risk. Working with licensed mortgage professionals helps you understand private lending terms, fees, and expectations before moving forward.
Clear short-term financing option
Private mortgages can offer a clear, structured way to access short-term financing when traditional mortgage solutions aren’t suitable, with defined terms and repayment timelines.
What Is a Private Mortgage and How Does It Work in Canada?
Learn how private mortgages work in Canada and who they are best suited for.
Livin2
Jan 3, 2026
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Licensed mortgage professionals explain how private mortgages work, including loan terms, interest rates, lender fees, and repayment timelines associated with short-term private financing.
Who typically provides private mortgages?
Private mortgages are typically provided by individual investors or private lending corporations. Licensed mortgage professionals help facilitate and structure these loans based on property value and available equity.
Will I work with one professional throughout the process?
Yes. You’ll work with a dedicated licensed mortgage professional who reviews your information, explains available private mortgage options, and guides you through each step of the process.
What information do I need to get started?
To get started, you’ll usually need to provide details about your property, current mortgage balance, estimated property value, and financing goals. This allows mortgage professionals to assess suitable private lending options.
Typical private mortgage costs
Last updated: 1/2/2026
Region
Great Value
Average
Premium
Canada
3%
5%
7%
Private mortgage costs depend on property value, loan-to-value ratio, term length, and lender requirements. Rates, fees, and terms vary by provider.
Reviews
4.7
based on 131 reviews
Service Quality98%
Response Time77%
Value for Money99%
"The explanations around private mortgage terms were straightforward. It helped me understand how short-term lending works and what factors to review before moving ahead."
S.Anderson15 Nov 2025
"I found the information helpful when traditional mortgage options weren’t available. The process and costs were explained clearly, which made it easier to evaluate my situation."
S. Williams11 Dec 2025
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Service Guide
Helpful reads related to private mortgages
Risks of Private Mortgages and How to Protect Yourself as a Homeowner
Learn the risks of private mortgages and how homeowners can protect themselves before borrowing.
Read guide
Private Mortgages for Short-Term Financing: Bridge Loans, Refinances & Emergencies
Learn how private mortgages are used for short-term financing needs like bridge loans, refinances, and emergencies.
Read guide
Can You Get a Private Mortgage with Bad Credit or Low Income?
Learn how private mortgage approvals work for homeowners with bad credit or low income.
Read guide
Private Mortgage vs Bank Mortgage: Key Differences Homeowners Should Know
Learn the key differences between private mortgages and bank mortgages so you can choose the right option for your situation.
Read guide
When Does a Private Mortgage Make Sense? Real Use Cases Explained
Learn when a private mortgage may make sense and the situations where homeowners commonly use one.
Read guideWhat Is a Private Mortgage and How Does It Work in Canada?
Learn how private mortgages work in Canada and who they are best suited for.
Read guide
Pricing Guides
Guides focused on pricing, quotes, and value.
Is a Private Mortgage Worth the Cost? Short-Term vs Long-Term Analysis
Evaluate whether the cost of a private mortgage makes sense based on how long you plan to use it.
Read guide
Private Mortgage Payment Examples: Monthly Costs at Different Loan Amounts
See monthly private mortgage payment examples at different loan amounts to understand real borrowing costs.
Read guide
Is a Private Mortgage More Expensive Than a Bank Mortgage? Full Cost Comparison
Compare the true cost of private mortgages versus bank mortgages, including rates, fees, and total interest.
Read guide
Private Mortgage Fees Breakdown: Lender Fees, Broker Fees & Legal Costs
Learn the common fees involved in private mortgages and how each cost affects the total loan amount.
Read guide
Private Mortgage Interest Rates Explained: What Affects the Rate You Get?
Learn what affects private mortgage interest rates in Canada and why rates vary between borrowers.
Read guide
How Much Does a Private Mortgage Cost in Canada? Rates, Fees & Examples
Learn the typical costs of private mortgages in Canada, including rates, fees, and real examples.
Read guide
Ready to get started?
Get free quotes from trusted private mortgage professionals near you. No commitment required.
Q&A
Quick answers to common questions.
Private mortgage costs vary based on factors like property value, loan-to-value ratio, term length, and lender requirements. Interest rates and fees are typically higher than traditional mortgages, so reviewing full costs helps set clear expectations.