Direct private mortgage lender for Ontario brokers. Loans from $30K to $2M, 1st and 2nd position, with funding in 48 hours and no Beacon score minimum.
Quick approvals: Get an answer in two hours so you can deliver a solution to your client the same day.
Trusted partner: We fully disclose rates, fees, and terms upfront — no surprises at closing, no friction at funding.
Custom flexible solutions: Our team specializes in finding mortgage solutions for all client types across owner-occupied, rental, and rural Ontario properties.
Submit your first dealWe've carefully streamlined our process with brokers and clients in mind from start to finish. Fewer requirements for approvals, a simple funding process, and clear expectations to make your life easier.
No rigid debt-service ratios. No minimum Beacon score. Just common-sense underwriting from a team that understands the realities of broker work in Ontario.
See how it worksOur team of industry veterans has the expertise to help you provide the best private mortgage solution for your clients. We value trust and build long-term broker relationships, so you can be confident you'll receive the level of service you deserve on every deal.
You're notified 90 days prior to maturity — so you stay in control of every renewal conversation. We never go around our broker network.
Speak to our broker deskOur experienced team has mastered the private mortgage lending process to save you time and provide more efficient solutions for your clients.
Send your deal package with the required docs and a brief deal summary.
Receive an approval and signed commitment in as little as two hours.
Use our approved appraiser network to commission a clean valuation.
Conditions cleared, instructions sent to your solicitor of choice.
Funds released to close — typically within 48 hours of clean docs.
Clear pricing, flexible terms, and no hidden fees. Our rate sheet is designed to be easy to present to your client — and easy to underwrite around.
Get the complete pricing matrix delivered to your inbox — including special programs, niche lending scenarios, and current rate specials.
A wide spectrum of residential and rural property types are eligible across Ontario. If your client's deal sits outside the bank box, we can almost certainly structure a path to funding.
Common-sense underwriting that goes beyond Beacon scores and rigid ratios. We focus on equity, exit strategy, and the story behind every deal.
From the first submission to the final funding, we engineer every step around speed, transparency, and protecting your client relationship.
Our team works with you every step of the way to ensure a smooth closing and a great client experience — every single deal.
Approvals delivered in as little as two hours of deal submission — so you can deliver answers to your clients, not delays.
Low private rates that are easy to present to your client — sourced from our extensive Ontario investor network.
You're notified 90 days prior to maturity so you stay in control of the renewal conversation, every time.
Pre-payment options for your client, plus 3, 6, 9, and 12-month terms structured around their plan.
Close within 48 hours when documents and appraisal are ready at submission. Speed when it matters most.
We don't just fund mortgages — we build long-term broker partnerships designed to grow your business one closed deal at a time.— Streamline Mortgages · Lending Division
Use our approved-appraiser list to commission appraisals that meet our underwriting standards on the first review — saving days on every deal.
The GTA and surrounding communities — our most active region for residential and rental lending.
6 Approved FirmsHamilton, Niagara, Brantford, Kitchener-Waterloo, and the London corridor.
16 Approved FirmsGrey-Bruce, Owen Sound, Collingwood, and the Thunder Bay corridor.
6 Approved FirmsBarrie, Orillia, Muskoka, Sudbury, and North-Central Ontario.
11 Approved FirmsDurham, Peterborough, Belleville, Kingston, and the Brockville corridor.
11 Approved FirmsOttawa, Cornwall, and the wider National Capital Region.
7 Approved FirmsThe questions we hear most from agents and brokers across Ontario. Don't see yours? Call the desk — we'll pick up.
Approvals are issued in as little as two hours of receiving a complete submission. The cleaner your package — application, credit report, deal summary — the faster we underwrite.
48 hours is our standard quick-close window when all documents and the appraisal are ready at the time of submission. Same-day funding is possible for clean files in urgent situations.
No. We underwrite on equity, exit strategy, and the overall story of the deal — not on a credit cutoff. Disclose any arrears or judgements upfront and we'll structure around them.
Yes. We notify you — the broker — 90 days prior to maturity so you stay in control of the renewal conversation with your client. We never go around our broker network.
Yes — rural lending is priced on a case-by-case basis. Send us the deal summary, location, and recent comparables, and we'll come back with terms quickly.
Up to 70% LTV in 1st position and up to 75% in 2nd position, depending on property type, location, and exit strategy. Strong urban deals consistently price at the top of the range.
No hard caps. We use common-sense underwriting and look at the borrower's overall ability to service the loan over the term — not a prescriptive ratio.
Nothing. Submission, review, and approval are free. Our lender fee (1–4% depending on position) is only earned on funded deals, paid out of proceeds at closing.
Fill out the form and our broker desk will respond with a fast indicative on your file. No obligation, no fees to submit, no waiting.
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