Private & Alternative Mortgages
When traditional lenders say no,
I know where to go next.
Not every borrower fits the bank's checklist — and that is not a reflection of your financial potential. Private and alternative mortgages exist precisely for situations that fall outside conventional lending criteria: recent self-employment, credit challenges, non-traditional income, or time-sensitive purchases where speed matters more than rate.
With over 30 years of lender relationships across banks, credit unions, trust companies, and private lenders, I can find a mortgage solution for situations most brokers would turn away. My job is to get you into the right product now, and build a plan to transition you to better terms as your situation evolves.
Who I help with private and alternative mortgages
Borrowers who have been declined by their bank or a major lender
Self-employed individuals with limited or non-traditional income documentation
Clients rebuilding credit after a financial setback
Investors purchasing properties that do not qualify for conventional financing
Borrowers who need fast approvals and quick closings
Clients bridging a gap between two transactions
New Canadians without an established Canadian credit history
What is the difference between a private mortgage and an alternative mortgage?
Alternative mortgages come from regulated lenders — such as trust companies or monoline lenders — who have more flexible qualifying criteria than the big banks. Private mortgages come from individual investors or private lending companies and are typically used for short-term situations where speed, flexibility, or unique circumstances are the priority.
Are private mortgage rates much higher?
Yes, private mortgage rates are higher than conventional rates because they carry more risk for the lender. However, they are often used as a short-term bridge — the goal is to stabilize your situation and transition you to better terms within one to two years. I always present the full cost picture so you can make an informed decision.
How quickly can a private mortgage close?
Private mortgages can often close in as little as five to ten business days, which makes them valuable in time-sensitive situations. If speed is a priority for your transaction, let me know upfront and I will structure the application accordingly.
Can I move from a private mortgage to a conventional mortgage?
Absolutely — and that is almost always the plan. I work with clients to build a clear roadmap: stabilize with a private or alternative mortgage, address the underlying issue (credit, income documentation, property type), and refinance into a conventional product at renewal. I stay with you through every step of that transition.
Ready to get started?
No obligation, no pressure — just a direct conversation.
Book a Private Mortgage Consultation