Direct private mortgage lender for Ontario brokers. Loans from $50K to $4M, 1st and 2nd position, with funding in 48 hours and a FICO floor of just 600.
No fees to submit. Direct to underwriting. We'll respond within one business day.
Our broker desk will respond within 24 business hours. Watch your inbox.
Quick approvals: Get an answer in 24 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. A FICO floor of just 600. 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 24 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.
All programs are 12-month interest-only, FICO 600+. Rentals add 30 bps · Corporate accounts add 50 bps · Files over $1M priced by deal · Minimum lender fee on 2nd mortgages $2,000 · Condominiums (min. 525 sq. ft.) carry a 100% open privilege with no prepayment penalty. Rates subject to change without notice.
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 with a FICO floor of just 600 and no 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 24 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.
12-month interest-only terms, with a 100% open privilege on the condominium program — no prepayment penalty.
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. Condominium files are accepted from Appraisal 2000 and Westview Appraisals only.
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 24 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.
Our FICO floor is 600. Beyond that, we underwrite on equity, exit strategy, and the overall story of the deal. 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 — properties outside major centres are priced case-by-case in Ontario markets with a minimum population of 30,000. Send us the deal summary, location, and recent comparables, and we'll come back with terms quickly.
Up to 75% LTV in both 1st and 2nd position. For a limited time, first mortgages in the 416 and 905 area codes qualify for up to 80% LTV at 7.64% with a 3.00% lender fee.
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 — 2.50% on firsts, 3.00% on seconds and the condominium program — 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.
Takes 2 minutes — we'll respond within 24 hours.
Our broker desk will respond within 24 business hours. Watch your inbox.