FAQ Everything You Need to Know About Our Private Mortgage Loans

Do you have questions about our private mortgage loan services in Montreal? Here are the answers to the questions our homeowner clients ask most often.

Clear answers to help you move forward

Everything you need to know about private mortgage financing, the process, and our criteria.

Can I Get a Private Mortgage Loan Even with Bad Credit?

Absolutely! Unlike traditional banks, we first assess the equity in your property, not your credit score. As long as you're a homeowner, you can access cash quickly. Apply now for a no-obligation assessment.

What Are Your Interest Rates?

Our rates are competitive and transparent, ranging from 9% to 12% for first mortgages and from 13% to 15% for second mortgages. The exact rate will depend on your property's value and your situation.

How Long Is a Private Mortgage Loan Term?

Our terms are flexible: usually 3 months, or 6 to 12 months for a longer-term solution. This gives you time to stabilize your financial situation before returning to a traditional lender.

What Types of Properties Do You Accept as Collateral?

We accept a wide range of real estate:

Single-family homes
Condominiums
Income properties
Other residential or commercial properties

If you own real estate, we have a financing solution adapted to your needs.

How Does the Approval Process Work?

It's simple and fast:

You fill out our secure online form.
We review your file in less than 24 hours, with no impact on your credit.
You sign before a notary, and the funds are released within the week.

A clear, fast and stress-free process.

I've Received a 60-Day Notice. Can You Help Me?

Yes! It's one of our specialties. We act quickly to protect your equity and prevent the foreclosure of your property. More details here.

How Much Can I Borrow?

We offer loans from $25,000 to $1,000,000, up to 75% of your property's value. The amount depends on the available equity and your financial needs.

Do You Offer Support After the Loan?

Yes, throughout the process, and even afterward! We guide you until you can return to a traditional lender once your situation has improved. Our priority is to help you protect your assets and regain stability.

How Quickly Can I Receive My Funds?

Once your file is approved, the funds are deposited in less than a week. Our mission is to provide fast, reliable and human financing to homeowners in the Montreal area.

Will a Private Lender Accept a File Turned Down by a Bank?

Yes. Being turned down by a bank doesn't mean you can't get financing. As long as you have available equity in your property, we can assess your file without a bank's strict criteria.

A complex case deserves a clear answer — not silence

Tell us about your situation. We’ll let you know what can be assessed, what you need to prepare, and the realistic limits of the solution being considered.