Private lending in Toronto
Toronto spans a broad range of settings, from the financial district and the waterfront to residential streets in the old city and neighbourhoods farther east and west. Yonge Street, Bloor Street, Queen Street West and the Don Valley corridors help orient residents across the city. The subway, streetcars and GO connections link many districts, although travel patterns vary by address. A property assessment should therefore account for its precise location, local access and surrounding uses rather than treating Toronto as one uniform market.
The housing stock includes downtown condominium towers, older brick houses, semi detached homes, purpose built apartments, multiplexes and commercial properties with residential space. Lot dimensions, age, condition and legal use can differ substantially from one block to the next. Renovated homes sit beside properties requiring substantial work, and condo ownership introduces its own rules and expenses. For financing, lenders commonly review title, current mortgage balances, property condition and realistic market evidence, while borrowers should consider closing costs and a clear repayment route.
Toronto owners may explore private financing to bridge a purchase, address a renewal deadline, fund repairs, or consolidate obligations secured against real estate. A second mortgage may provide access to some equity without replacing an existing first mortgage, but approval depends on the combined debt and available value. The proposed term should match a credible exit such as sale, refinance or documented incoming funds. Compare the full cost, fees, payment terms and renewal risk, and obtain independent legal advice before signing any commitment.
Neighbourhoods we serve in Toronto
- Downtown Toronto
- Yonge Street
- Queen Street West
- Bloor Street
- Toronto waterfront
- Don Valley
Toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties.
Second mortgages in Toronto
A Toronto second mortgage may suit an owner who needs funds while preserving an existing first mortgage, including for a short term purchase bridge, repairs or debt settlement. The lender will look at the combined registered debt, property condition and resale evidence, not just the citywide location. Owners should confirm whether payments are interest only or include principal, understand all lender and legal charges, and set out a realistic exit before borrowing.
Most lenders allow up to 85% combined loan to value on strong properties, so the first and second mortgage together stay within that limit. Read the full second mortgage guide or run the combined LTV calculator.
Second mortgage financing is subject to lender approval, appraisal, and property qualification. Rates, terms and loan to value estimates shown are illustrative only and not a rate guarantee or lending commitment. A second mortgage is registered behind your existing first mortgage and typically carries a higher interest rate. Consult an independent legal advisor before proceeding.
Every private mortgage service in Toronto
Private First Mortgages in Toronto
Ontario property owners may consider first mortgage financing subject to lender review and a workable repayment plan. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Private Second Mortgages in Toronto
Ontario property owners may consider second mortgage financing subject to lender review and a workable repayment plan. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Third Mortgages in Toronto
Ontario property owners may consider third mortgage financing subject to lender review and a workable repayment plan. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Home Equity Loans in Toronto
Ontario property owners may consider home equity financing subject to lender review and a workable repayment plan. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Private Equity Lines of Credit in Toronto
Ontario property owners may consider equity line financing subject to lender review and a workable repayment plan. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Equity Takeout and Cash Out Refinance in Toronto
Ontario property owners may consider equity takeout subject to lender review and a workable repayment plan. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Private Refinance in Toronto
Ontario property owners may consider private refinance subject to lender review and a workable repayment plan. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Debt Consolidation Mortgages in Toronto
Ontario property owners may consider debt consolidation subject to lender review and a workable repayment plan. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Power of Sale and Foreclosure Help in Toronto
Ontario property owners may consider power of sale assistance subject to lender review and a workable repayment plan. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Mortgage Arrears Solutions in Toronto
Ontario property owners may consider mortgage arrears subject to lender review and a workable repayment plan. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Property Tax Arrears Loans in Toronto
Ontario property owners may consider property tax arrears subject to lender review and a workable repayment plan. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
CRA Tax Debt Payoff Mortgages in Toronto
Ontario property owners may consider CRA tax debt financing subject to lender review and a workable repayment plan. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Bad Credit Mortgages in Toronto
Ontario property owners may consider bad credit financing subject to lender review and a workable repayment plan. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Self Employed and Stated Income Mortgages in Toronto
A private mortgage can consider business cash flow and property equity for eligible Ontario properties. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Bank Declined Mortgages in Toronto
A private mortgage can consider property equity and the reasons for the bank decline for eligible Ontario properties. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Bankruptcy and Consumer Proposal Mortgages in Toronto
A private mortgage can consider property equity and an achievable recovery plan for eligible Ontario properties. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Newcomer and Non Resident Private Mortgages in Toronto
A private mortgage can consider property equity, residency status and verified funds for eligible Ontario properties. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Mortgage Renewal Rescue in Toronto
A private mortgage can consider renewal timing, equity and the next financing option for eligible Ontario properties. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Bridge Financing in Toronto
A private mortgage can consider the gap between a firm purchase and a confirmed sale or other incoming funds for eligible Ontario properties. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Purchase Closing and Short Closing Financing in Toronto
A private mortgage can consider purchase closing requirements and available property equity for eligible Ontario properties. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Preconstruction Condo Closing Financing in Toronto
A private mortgage can consider builder closing obligations, appraisal and available equity for eligible Ontario properties. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Renovation Loans in Toronto
A private mortgage can consider property equity, renovation scope and project budget for eligible Ontario properties. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Construction Financing in Toronto
A private mortgage can consider land value, approved plans, construction draws and completion strategy for eligible Ontario properties. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Land and Lot Loans in Toronto
A private mortgage can consider land use, location, equity and development prospects for eligible Ontario properties. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Investment and Rental Property Mortgages in Toronto
A private mortgage can consider rental property equity, leases and expected cash flow for eligible Ontario properties. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Multi Unit and Multiplex Mortgages in Toronto
A private mortgage can consider unit count, zoning, rental income and property equity for eligible Ontario properties. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Commercial Private Mortgages in Toronto
Commercial property owners in Toronto and the GTA who need financing outside conventional bank policy can consider a private mortgage secured against eligible real estate. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Mixed Use Property Mortgages in Toronto
Mixed use mortgages can help finance GTA buildings that combine residential units with retail, office or other commercial space. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Business Loans Secured by Real Estate in Toronto
Ontario business owners may use real estate equity to secure short term financing for a defined company need. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Down Payment and Deposit Loans in Toronto
Private financing may help eligible Ontario purchasers address a documented deposit or closing gap, subject to lender rules and mortgage qualification. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Divorce and Separation Spousal Buyout Mortgages in Toronto
A spousal buyout mortgage can help one partner retain an Ontario home while paying the other partner their agreed share of equity. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Estate and Inheritance Mortgages in Toronto
Estate financing can provide temporary liquidity to manage property expenses, beneficiary distributions or a sale while an Ontario estate is administered. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Judgment and Lien Payoff Mortgages in Toronto
A private mortgage may consolidate or pay eligible judgments and registered liens against Ontario property when a documented payout can protect equity. In Toronto, appraisals for this product focus on comparable sales in areas like Queen Street West.
Cottage and Rural Property Private Mortgages in Toronto
Private lenders may consider equity financing on qualifying cottages and rural properties in Ontario, including select GTA commuter markets. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Low Documentation and Equity Based Lending in Toronto
Equity based private lending focuses strongly on property value and available equity when conventional income documentation does not fit the borrower. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Short Term Interest Only Private Loans in Toronto
Interest only private loans can reduce scheduled payments during a short term Ontario financing period, while principal remains outstanding. In Toronto, appraisals for this product focus on comparable sales in areas like Don Valley.
Mortgage Investment Corporation (MIC) Mortgages in Toronto
A MIC mortgage is funded through a mortgage investment corporation that pools investor capital to make mortgages, subject to its governing documents and underwriting. For owners in Toronto, where toronto includes condominium towers, detached and semi detached houses, apartment buildings, multiplexes and mixed use properties, lenders size this around local resale value and your exit plan.
Private Mortgages for Seniors and Retirees in Toronto
Seniors and retirees in Ontario may use home equity for a defined need when pension income or conventional qualification limits available mortgage choices. Across Toronto and nearby Downtown Toronto and Yonge Street, we compare private lenders and MICs active in City of Toronto for this product.
Private mortgage questions in Toronto
Can a Toronto owner keep an existing first mortgage?
A second mortgage may sit behind an existing first mortgage, subject to lender approval, title review and sufficient equity.
What Toronto properties can be considered?
Detached homes, condominiums, rental buildings and some commercial properties may be reviewed according to their individual details.
What documents are usually reviewed?
Expect property and mortgage details, identification, income or funding information, and a proposed plan for repayment.
How should I plan the exit?
Identify a supportable refinance, sale or other source of funds and allow enough time for that plan to occur.