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(647) 241-6652
Private Mortgage
Private Mortgage
Private Mortgage Solutions
When Traditional Banks Say No, We Say Yes
Your Homeownership Lifeline
Bank denied? Stress test failed? Self-employed struggles?
Private mortgages bypass traditional banking roadblocks. When your credit, income, or timeline doesn't fit the bank's box, private lenders focus on what matters most: your property's value and your ability to pay.
Don't let banking rules delay your Toronto homeownership dreams.
🏠 Private Mortgage Essentials
Same Goal, Different Path
Secured by property (just like bank mortgages)
Private investors/companies as lenders
Faster approvals (days, not months)
Flexible qualification criteria
Terms: 6 months to 3 years typically
📊 Rate Reality Check
Private mortgages cost more, but they get you in the door NOW vs. waiting years for perfect credit.
🎯 Perfect Private Mortgage Scenarios
✅ Qualification Challenges
Bad Credit (bankruptcy, consumer proposals, missed payments)
Self-Employed (variable income, new business, tax write-offs)
Stress Test Failures (debt-to-income issues)
New to Canada (limited credit history)
Divorce/Separation (complex financial situations)
⚡ Timing/Property Issues
Fast Closings (competitive Toronto market)
Unique Properties (commercial, rural, fixer-uppers)
Bridge Financing (buying before selling)
Investment Properties (rental income focus)
💡 Toronto Market Reality
Home prices rise $2,000-$5,000 monthly. Waiting costs more than higher interest.
✅ Qualification Challenges
Bad Credit (bankruptcy, consumer proposals, missed payments)
Self-Employed (variable income, new business, tax write-offs)
Stress Test Failures (debt-to-income issues)
New to Canada (limited credit history)
Divorce/Separation (complex financial situations)
⚡ Timing/Property Issues
Fast Closings (competitive Toronto market)
Unique Properties (commercial, rural, fixer-uppers)
Bridge Financing (buying before selling)
Investment Properties (rental income focus)
💡 Toronto Market Reality
Home prices rise $2,000-$5,000 monthly. Waiting costs more than higher interest.
"After my divorce, my credit was destroyed and no bank would touch me. Your Rate Guy found a private lender at 11.5% with just 25% down. Two years later, we refinanced to a bank at 6.2%. That private mortgage saved my homeownership dreams."
– Maria S., Teacher, Scarborough
"There is always a solution".
→ Call Now:
647-241-6652
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Dan Mizrahi
Mortgage Broker
Choice Financial Corp. #13564
Independently owned and operated
Licensed in
Ontario FSRA #13564
Alberta RECA
CF Choice Financial Corp:
BC: BCFSA #MB605782
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