Financing
Private mortgage financing solutions
First and second private mortgages, with terms of 3 to 24 months, for residential and commercial projects and land, across Québec.
01 — Solutions
What we finance
Real estate projects
- Acquisitions Purchase of a residential or commercial property, or land.
- Property flips Buy, renovate and resell a property.
- Construction Residential and commercial construction projects.
- Renovations Financing for your work, on your project’s timeline.
- Land and commercial projects Land, commercial buildings and income properties.
Financing solutions
- Bridge financing Buy before you sell, or bridge a gap in financing.
- Refinancing Replace or restructure an existing mortgage.
- Equity loans Unlock cash from the equity in your property.
- Debt consolidation Combine your debts into one loan secured by your property.
- Legal hypothecs and 60-day notices A quick solution when a deadline is approaching.
02 — Terms
Terms and rates
Two essentials: collateral to offer, and a transaction completed before a notary. Beyond that, we’re flexible about your financial situation.
- Collateral
- You have collateral to offer
- Notary
- The transaction is completed before a notary
- Loan-to-value
- Up to 75% of fair market value (may vary with location and property type)
- Properties
- Single-family homes, condos, plexes and income properties, commercial buildings, land, construction projects
- Term
- 3 to 24 months, renewable
- Territory
- Across Québec
| Mortgage | Annual rate* | Fees* | Minimum loan |
|---|---|---|---|
| 1st mortgage | 12% to 15% | 1% to 2% | $50,000 |
| 2nd mortgage | 12% to 18% | 2% to 4% | $35,000 |
* Interest rates and lender fees vary with the characteristics of each project.
03 — What we offer
What we offer
A private loan can also serve as a bridge while you rebuild your credit: a record of regular payments with us helps you show your bank that you pay reliably, on the way to long-term financing.
- Response to your request within 24 hours
- Fast service, so your project is completed on schedule
- Flexibility regarding your financial situation
- Interest-only loans
- Capitalized payments available
- Help getting your finances back in order
- Help rebuilding your credit
- A team of experts to advise you
04 — Exit plan
Your exit strategy
A private mortgage is a short-term solution. We help you plan your exit strategy: long-term financing, sale or rental.
Have a project in mind?
Tell us about it: response to your request within 24 hours.