Bespoke Mortgages
We’ve Got You.
We partner with brokers, agents and lawyers to provide bespoke mortgage solutions for all types of borrowers, usually irrespective of income or credit scores. And typically offer higher loan-to-values than most other private lenders, often up to 92% (uninsured). In short, we provide custom tailored solutions that most other lenders can’t.
Whether residential or commercial, our lending solutions cover all property types. With one of the broadest suites of flexible options in the province, we get even the toughest deals done.
Loan Amount
$1,000,000 to $100,000,000+
Property Type
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Raw land, subdivisions, urban infill, pre-rezoning, during-rezoning, rezoned
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Single-family, multi-family (rental apartments, condominiums), housing subdivisions, commercial, retail, office, industrial, hospitality, mixed-use, special purpose
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Single-family (owner-occupied, rental), multi-family (rental apartments, condominiums), recreational, lakefront.
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Retail, office (all classes), industrial, hospitality, seniors housing, farmland, storage, parking, gas stations, golf courses, special purpose
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Acquisition, bridge, development (rezoning phase, construction), renovation, re-positioning, stabilization, senior position take-outs, portfolio lending, residential inventory
Stages
New purchase, refinancing, switching, renewal, porting, assumption
Loan-to-Value
Up to 92% LTV (uninsured) and 85% LTC
Position
First, second, third and further subordinate; A/B and A/B/C participation
Term-to-Maturity
6 months to 5 years; typically includes flexible renewal and repayment options
Use of Proceeds
Flexible, equity withdrawals available
Mortgage Rate
Amortizing or interest-only mortgages; adjustable-rate and participating mortgages
Collateral Security
Both guaranteed and non-recourse available
Timing
Our underwriting technology provides for loan approval decisions in 24 hours or less, with quick closings
Lending Region
Across Ontario
We understand the complex needs of non-bank borrowers, including asset managers, developers, rental property investors, and non-prime borrowers. Simply put — we get deals done daily that other lenders cannot.
Mortgage Professionals
We work closely with our valued brokers, agents, lawyers, and co-lenders to ensure that their clients are provided the highest level of professional and ethical service. We are here to help the clients of all mortgage professionals, including through referrals and co-lending opportunities (syndications, A/B and A/B/C structures).
Borrowers
To start your loan application process or for any other inquiries, please do not hesitate to have your mortgage broker or lawyer contact us right now. Or if you don’t have one, contact us directly and we’re happy to assist.