Offered by individuals or businesses which are not financially registered – or financial institutions you wouldn’t think of traditionally – you have the lender ready to offer a loan to you on a particular interest and other repayment conditions.

Do you want a quick and hassle-free mortgage?

A private mortgage might just be what you are looking for. With fewer formalities and increased convenience, a private mortgage lender from Toronto’s CMB, can be the perfect savior in times of financial needs.

What is a Private Mortgage?

Offered by individuals or businesses which are not financially registered – or financial institutions you wouldn’t think of traditionally – you have the lender ready to offer a loan to you on a particular interest and other repayment conditions.
While you would be paying higher interest rates than you would conventionally do, the benefits over traditional mortgages are many – especially if you’re in urgent need of some cash.

Why would You go for Private Mortgage?

Here is a look at why it might help you.

  • 1. Helps You Get The Money When You Need It

Banks and traditional financial institutions aren’t open round the clock. Additionally, they have stringent rules and restrictions, which can make it difficult if not impossible to secure a loan.

For example, you may be turned down for being a self-employed person or having a bad credit. Toronto private mortgage lenders have flexible terms and fewer restrictions which mean you can get the loan easily.

  • 2. The Interest May Be Near to What Your Bank Offers

Banks also levy high fees for processing your mortgage. You can eliminate high costs by through the private way – and at times, your interest rate could even be lower than what you would get otherwise.

  • 3. Offers You The Flexibility You Need

Expect greater flexibility, and high approval rates with less processing time – often in minutes – giving you access to funds when you need it most. You can go in for your bank later, when are out of the situation.

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Featured Rates

FIXED

LenderRateTerm
Mortgage Lendwise RateLendwise

3.40%

5-Year
Mortgage First National Bank RateFirst National Financial

3.59%

4-Year
Mortgage RMG RateRMG Mortgages

3.29%

3-Year
Mortgage Street Capital RateStreet Capital Bank

3.19%

2-Year
Mortgage TD Bank RateTD Bank

3.19%

1-Year

VARIABLE

TermRate
5-Year Variable

2.75%

3-Year Variable

3.35%

OTHER

TypeRate
Line of CreditStarting at

3.00%

Equity LoansStarting at

5.99%

Private MortgagesStarting at

5.99%

When Should You Go In For a Private Mortgage?

  • Funding construction projects and property renovations
  • Securing an alternative financing strategy to stop foreclosure mortgage
  • Consolidate debt to improve credit score and cash flow
  • As an alternative capital source for entrepreneurs
  • Investment for commercial properties
  • An income supplement for self-employed people who are not able to meet their financial needs
  • As a source of bridge financing
  • Securing fast funds to avail an opportunity with a fixed deadline
  • Make funds available to pay off previous mortgages to improve credit score and write off debt

Tips for getting a Private Mortgage

You need to adopt some precautions when you are getting money from a private mortgage lender. Use the following tips to have a successful and reliable deal.

  • Official Agreement
    Always make an official agreement and get it down in writing before getting the mortgage. Use promissory notes for the agreement and get it registered with the local authorities.
    It will secure the loan and act as a foundation if some problem arises.
  • Terms of Repayment
    Decide and follow the terms of payment. Don’t forget to agree upon interest rates should you happen to miss a payment. Alternatively, look for the possibility to restructure the debt in other ways later.
    The interest rate is also a crucial factor and you need to fix it before finalizing the mortgage.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

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