Private Mortgage & Bridge Financing Guides
Understand the full cost, the lender’s security, the term and the exit before using short-term financing.
Explore private and bridge mortgages10 guides
A holding corporation bought an $850,000 Ancaster home off market as a second home for his parents. How we funded a $550,000 first mortgage at 5.99% interest-only on a 3-day financing condition, and the $730,000 refinance exit.
August 3, 2026 · 9 min read
Read guideBankruptcy and Your Mortgage (Part 2): Home Equity, Discharge and Getting Financed Again
What happens to an Ontario home in a bankruptcy — how equity vests in the trustee, the principal-residence exemption, surplus income and discharge timelines, R9 credit reporting, and the private financing used to buy equity back and keep the house.
July 25, 2026 · 13 min read
Read guideConsumer Proposals and Your Mortgage (Part 1): Buying, Refinancing and Keeping the Home
How a consumer proposal affects mortgage qualification in Ontario — BIA excerpts, credit reporting timelines, the two-year rule after discharge, separation and consolidation scenarios, and how home equity can pay a proposal out early.
July 23, 2026 · 12 min read
Read guideCurrent Ontario private mortgage pricing: bridge 1st from 5.89%, 2nd mortgages from 9.24%, construction from 9.99%. Full rate table, lender fees, qualifying examples, and red flags.
April 22, 2026 · 9 min read
Read guideDecision matrix comparing Ontario second mortgages (from 9.24%) and HELOCs (~6.45%–6.95%): qualification, funding speed, and a $100K worked cost example.
April 8, 2026 · 8 min read
Read guideStep-by-step playbook for Ontario borrowers after a bank decline. Why banks decline, which lender tier to call next, document checklist, and the 12-month refinance trigger.
March 25, 2026 · 10 min read
Read guideFour standard exit paths, a month-by-month refinance timeline, savings math ($21K+/year), and backup plans when the exit slips.
March 11, 2026 · 9 min read
Read guideHow to Finance Your Home Construction Project in Canada
Bridge financing for demolish & rebuild, new construction, and owner-occupied development projects. See a real success story of $350K profit.
November 19, 2025 · 12 min read
Read guideCan I Get a Mortgage with Bad Credit?
Discover mortgage options for Canadians with poor credit. Learn about alternative lenders, private mortgages, and how to qualify even with low credit scores.
September 16, 2025 · 8 min read
Read guideUnderstanding private lending options for homeowners who have lived in their homes for over 10 years or have no existing mortgage.
October 15, 2024 · 7 min read
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