01 / Private lending
Explore another route to financing.
When a bank’s criteria don’t fit, a private mortgage may be an option. Review the costs, conditions, and plan for repayment.
GTA alternative lending specialists
Mortgage options.
A clearer
way forward.
Buying a property, refinancing, or facing a mortgage that needs a closer look? Explore residential, commercial, and private lending with The Mortgage Providers.
Start with a free consultation. Bring your questions.
what comes next.
- Since 1997Helping clients explore their options
- Toronto & the GTAResidential and commercial financing
- Brokerage licence #10533Get to know The Mortgage Providers
Room for different financing needs
From your next home
to your next project.
Access institutional and private lending options for first and second mortgages, commercial properties, and construction projects. Tell us what you need to finance so we can explore the fit.
Discuss your financing needsFinancing range
$25,000to$10 million
Subject to lender approval, property and borrower qualifications, and available funding. Rates, fees, and terms vary.
What are you working toward?
Different plans.
More ways to finance them.
02 / Infill & construction
Put your next build on firmer ground.
Explore infill housing financing for your GTA project, with the property, construction plans, and timing in view.
03 / Commercial mortgages
Make room for your business plans.
Buying, refinancing, or developing commercial property? Start with financing options that reflect the property and its intended use.
04 / First & second mortgages
Find a fit for your home and goals.
Explore a first mortgage or discuss whether a second mortgage could help you access equity for your next step.
Not sure where you fit? Start with your situation. We’ll help you explore it.
Your situation deserves a closer look
There’s more to
your mortgage
than a checklist.
Self-employment, credit challenges, or a different type of property can change the financing conversation. Explore the areas we can help you discuss.
Call 416-398-1323Meet The Mortgage Providers
A familiar voice.
A local conversation.
Heard us on the radio or seen our videos? Get reacquainted, then bring us your mortgage questions.
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What is a private mortgage?
A private mortgage is a loan secured against property from a private lender, rather than a traditional bank. It may suit some borrowers who do not meet bank criteria. Private mortgages can carry higher rates and fees and shorter terms, so consider the total cost and a realistic plan to repay or refinance.
Read Ontario’s FSRA guide to private mortgagesCan I explore options if a bank has declined me?
Yes. The Mortgage Providers can explore alternative and private lending options with you. A bank decline does not tell you whether another lender will approve your file. Eligibility depends on the lender’s requirements and your property, equity, income, credit, and repayment plan.
Explore private lendingWhat should I bring to the first conversation?
Start with your financing goal, the property location, an approximate amount, and your preferred timing. If you already have a mortgage, a recent statement can help the discussion. Ask your broker which documents are needed for your situation before sending financial records.
How much can I borrow, and what will it cost?
The Mortgage Providers advertises financing from $25,000 to $10 million. Your available amount and costs depend on the property, your circumstances, and lender approval. Ask for the interest rate, all fees, payment terms, and repayment or exit conditions before deciding.
Explore mortgage calculatorsLet’s start with your plans
Your next step
can start with
a conversation.
Tell us what you’re trying to finance and what’s getting in the way. Request a free consultation to explore the possibilities and the questions that matter for your situation.
Bring these three things to the conversation.
-
Your goal
A purchase, refinance, construction project, or a mortgage challenge.
-
Your starting point
The property, approximate financing amount, and what you’ve explored.
-
Your questions
Timing, eligibility, fees, repayment, or anything you’d like explained.
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