Private Mortgages &Bridge FinancingWhen the banks say no — we say how fast?
48-hour approvals · Funding in 5–10 days · No bank required
In this guide
Equity-based first and second mortgages, plus residential and corporate bridge financing, funded in days rather than weeks.
Private Mortgages & Bridge Financing: your roadmap, guides, calculators and FAQs
See exactly what you need to do at each stage, what we handle, and every resource that supports it — with a checklist you can tick off as you go.
Is Private Lending Right For You?
Our solutions are ideal if:
Why Choose Private Lending
When banks can't meet your timeline or criteria, private mortgages provide the speed and flexibility you need.
Fast Approval
Get approved in days, not weeks or months
Competitive Rates
Bridge 1st mortgages from 5.89%. Construction from 9.99%.
Flexible Criteria
Alternative lending solutions for unique situations
Quick Access to Capital
Fund time-sensitive opportunities and investments
What Our Clients Say
Real results from borrowers who needed alternative financing
"I've had the opportunity to work with Sami on several mortgage deals and he has been outstanding every time. He is extremely knowledgeable in the private lending space, moves quickly, and always finds practical solutions to get transactions closed."
Everything you need to know aboutprivate & bridge financing
Click a tab below — each answers a question borrowers ask us every week.
What is a private / bridge mortgage?
A private mortgage is a loan funded by private investors or Mortgage Investment Corporations (MICs) instead of a chartered bank. A bridge mortgage is a short-term private loan (6–24 months) that "bridges" the gap between two events — buying and selling, a bank decline and a future refinance, or the start and finish of a build.
Bridge Financing in Ontario — Up to 75% LTV
Private bridge mortgages from 5.89% • Second mortgages from 9.24% • Approved in 48 hours • No bank required.
Bridge Financing Calculator
LTV (Loan-to-Value)Access up to 75% of the value of your home in a mortgage loan.Example: $1,000,000 home at 75% LTV = $750,000 available financing
Enter an amount here if you want to see second mortgage options
Educational information only — subject to approval
This website provides general educational information only and does not constitute financial, mortgage, legal, or tax advice. All rates, products, scenarios, and calculator results are illustrative and subject to lender approval, credit qualification, property valuation, and current market conditions. Mortgages are arranged by Saminder Juneja, Mortgage Broker — Mortgage Centre Canada / Get A Better Mortgage Inc. (FSRA #10874). Nothing on this site constitutes an offer to lend.
APPROVALS in HOURS, not DAYS
While traditional lenders take 5-10 days, we deliver decisions in hours
Private 1st Bridge Mortgages
Up to 75% LTV — From 5.89%
- Rates 5.89%–7.99%, lending fees from 2.5%
- 48-hour approval, funding in 5–10 days
- No prepayment penalties
Private 2nd Bridge Mortgages
Up to 75% CLTV — From 9.24%
- Rates 9.24%–11.49%, fees 2.75%–4.5%
- Preserve your existing low-rate 1st mortgage
- Funding in 5–7 business days
Private Construction Financing
Milestone-based draws — From 9.99%
- Progressive draw structure by construction stage
- Interest-only payments during build
- Professional project oversight included
Private Mortgage & Bridge Deals We Just Funded
Real Ontario borrowers, real closings. A snapshot of private 1st, 2nd, and construction mortgages funded in the last 30 days.
Corporate Bridge — Off-Market Purchase
Loan Amount
$850,000
65%
5.99%
$8,250
7d
Total Cost: $3,433/month + $8,250 setup
Read the full Ancaster case studyConstruction Mortgage
Loan Amount
68%
11.99%
$45,000
10d
Total Cost: $18,738/month + $45,000 setup
Ready to Get Your Deal Funded?
Join 14 other clients this month who got approved in 48 hours. Every deal is unique—get terms customized for your situation.
✓ No obligation ✓ Soft credit check only ✓ Response in 2 hours
Our Lending Solutions
Tailored financing options for different property types and borrower situations.
Residential Bridge Mortgages
Second position financing for homeowners with 30%+ equity
- Fast approvals
- Flexible terms
- No prepayment penalties
Private Replacement First Mortgages
Bridge 1st mortgages from 5.89%–7.99%. Construction from 9.99%. Subject to OAC.
- Large loan amounts
- First position security
- Professional property types
Who We Help
Bank Declined Borrowers
Credit issues, non-traditional income, or complex financial situations that banks won't approve.
Real Estate Investors
Fast funding for property acquisitions, renovations, or portfolio expansion opportunities.
Bridge Financing Needs
Temporary financing while arranging permanent financing or awaiting property sales.
Time-Sensitive Transactions
When you need to close quickly and can't wait for traditional bank approval timelines.
Business Owners
Self-employed individuals with variable income or unique documentation needs.
Equity-Rich Homeowners
Homeowners with significant equity who need to access capital quickly.
Simple Process
Get from application to funding in days, not months.
Application
Submit your application with basic property and financial information.
Review
Our team reviews your file and provides initial approval within 24-48 hours.
Documentation
Complete documentation and property valuation process.
Funding
Funds are advanced within 5-15 days of complete application.
Bridge & Private Mortgage — the questions people actually search
Straight answers on cost, credit, speed, and power of sale — then grab the same approval checklist we use internally to get Ontario files funded.
Go deeper on your exact situation
The Private & Bridge Mortgage Approval Checklist
The exact one-page checklist our team uses to get Ontario private and bridge files approved in 24–48 hours — what lenders actually look at, what kills a deal, and how to plan the exit before you sign.
- The 7 documents that get you funded fastest
- LTV limits by property type and position (1st vs 2nd)
- True cost worksheet: rate + lender fee + legal + broker fee
- Exit-strategy planner so you're not renewing at private rates
Educational information only — not financial advice. All results and offers are subject to lender approval, credit qualification, and property valuation. Mortgages arranged by Saminder Juneja (FSRA #10874).
Private Mortgage FAQs
Tap any question to expand.
Ready to Get Started?
Let's discuss your financing needs and find the right private mortgage solution for your situation.
Private Mortgage Lenders by City
We arrange private 1st and 2nd mortgages and bridge financing across the Golden Horseshoe and Waterloo Region. Choose your city for local private mortgage rates, LTV limits and funding timelines.
- Private Mortgage Burlington
- Private Mortgage Oakville
- Private Mortgage Milton
- Private Mortgage Georgetown
- Private Mortgage Mississauga
- Private Mortgage Woodstock
- Private Mortgage Guelph
- Private Mortgage Kitchener
- Private Mortgage Cambridge
- Private Mortgage Waterloo
- Private Mortgage Halton Hills
- Private Mortgage Halton
- Private Mortgage Puslinch
- Private Mortgage Erin
- Private Mortgage Ancaster
- Private Mortgage Stoney Creek
Not on the list? See every Ontario city we serve.
Popular searches we help with
Straight answers on private lending Ontario, private mortgage lenders Ontario, bridge financing Canada and local files in Hamilton, Burlington and across the Golden Horseshoe.
Watch the tutorial
A 25-second walkthrough — tap play to see the scenario, the right calculator to use, and why borrowers choose this solution.
Ready for tailored next steps?
Send a short PIPEDA-compliant request and our team will follow up with options matched to your situation.
Hi! I'm TJ
Your Mortgage Assistant