| Report type | Expert commentary (not a statistical report) |
|---|---|
| Sample size | Not applicable — no statistical findings are claimed |
| Date range | Not applicable |
| Author | Saminder (Sami) Juneja, Mortgage Broker |
| Published | 2026-09-29 |
| Last updated | 2026-09-29 |
Why this is commentary, not statistics: we only publish statistical findings from verified, anonymized Juneja Group files with at least 100 records and a stated date range. That dataset is not yet complete for this topic, so this edition shares professional observations only. Nothing here should be read as representative of the Canadian market.
Media summary
- Private mortgages work best as a bridge with a written exit plan.
- Total cost includes fees, not just the interest rate.
- Equity, not income, is usually the main factor in approval.
Suggested attribution: “Saminder (Sami) Juneja, Mortgage Broker, The Private Mortgage Trends Report (2026).”
Methodology
This edition is based on the author's professional experience advising clients. It does not count, sample or measure files. When enough verified data exists, a statistical edition will measure:
- Purpose of private financing (purchase, bridge, debt consolidation, arrears, renovation)
- Loan-to-value at funding
- Term length and actual time to exit
- Exit route (A-lender, B-lender, sale)
All data would be anonymized: no names, addresses, lender names tied to individuals, or details that could identify a client.
Key observations
- Private mortgages work best as a bridge with a written exit plan.
- Total cost includes fees, not just the interest rate.
- Equity, not income, is usually the main factor in approval.
Professional observations, not measured findings.
What a private mortgage is for
A private mortgage is short-term financing from an individual or a mortgage investment fund, based mainly on property equity.
It costs more than a bank mortgage. It makes sense when it solves a time-limited problem and there is a clear way out.
The exit matters more than the rate
Before signing, the borrower should know how the loan will be repaid: a refinance with a bank or B-lender, a sale, or an expected payment.
Renewing a private mortgage repeatedly without a plan adds fees each time.
Costs to understand
Expect a lender fee, a broker fee, legal costs and an appraisal. Ontario requires a cost-of-borrowing disclosure before you commit.
Limitations
- This is commentary from one mortgage broker's practice, not a survey or a random sample.
- It does not measure how often anything happens and should not be quoted as a percentage or trend.
- Lender policies change. Confirm current rules with a licensed professional.
- Educational content only; not financial, legal or tax advice.
Story angles for journalists
- Who uses private mortgages in Canada and why
- How to compare the full cost of a private mortgage
- Warning signs of a private mortgage without an exit
Related resources
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Cite this resource
Preferred title and URL for journalists and organizations:
Saminder (Sami) Juneja. “The Private Mortgage Trends Report.” The Juneja Group, updated 2026-09-29. https://thejunejagroup.ca/research/reports/private-mortgage-trends-report
Saminder (Sami) Juneja, Mortgage Broker — Mortgage Centre Canada, independently owned and operated by Get A Better Mortgage Inc., FSRA #10874. The Juneja Group is not a licensed mortgage brokerage.