We work with Montreal homeowners, from application to funding. Approval is based on the equity in your property, not your credit score, with a response within 24 hours and funding in as little as 24 to 48 hours once your file is complete.
Many Montreal homeowners get turned down by their bank despite owning a property with real equity in it. A poor credit history, tax arrears, or a recent bank refusal are common reasons, and none of them erase the value sitting in your home.
Private lending starts from a different question. Instead of running your file through a credit-bureau formula, we look at what your property is worth and how much you still owe on it. If there is enough equity, that becomes the basis for the loan. That gap between what your home is worth and what a bank will lend against it is exactly what private financing is built to close.
Because the assessment is property-based, we can give homeowners a straight answer within 24 hours of receiving their information.
Private lending covers more than one kind of financing need, and most Montreal homeowners fall into one of five situations.
Private mortgage refinancing that turns the equity built up in your Montreal property into cash, without listing the home for sale.
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Debt consolidation that rolls several high-interest balances, credit cards, a line of credit, arrears, into a single private mortgage payment.
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Legal mortgage and foreclosure-prevention financing for homeowners who need to protect their property against a filed notice.
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Bad-credit and post-refusal mortgages, approved on the strength of your equity rather than your credit file.
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A second mortgage behind your existing one, for homeowners who need funds quickly without touching their first mortgage.
A low credit score, a past bankruptcy, or a consumer proposal tells a bank’s underwriting system to stop. It does not tell us the same thing, because our decision is built around the property, not the credit report.
Homeowners dealing with tax arrears or irregular income, self-employed workers whose tax returns don’t reflect their real earnings, and anyone recently refused by a traditional lender can still qualify if there is enough equity in the home.
The same equity-first review applies whether the goal is refinancing, consolidating debt, or stopping a legal mortgage before it goes further. Your credit report is part of the file, but it is not what decides the outcome.
Municipal and school tax arrears are a common trigger we see from Montreal homeowners, and they don’t need to turn into a legal mortgage if you address them before the notice period runs out.
Some situations don’t leave room to wait weeks for a bank’s committee to review a file. A legal mortgage filed against your property, a looming tax deadline, or an urgent debt payment all put you on a clock.
A bank’s timeline is built around credit review, appraisal queues, and internal approval committees, steps that exist whether or not your situation is urgent. Because we work directly from your property’s equity, most of that queue disappears.
Funding can follow within 24 to 48 hours of your file being complete, which is often the difference between resolving the situation and losing ground on it. If a notice has already been filed against your home, the sooner you reach out, the more options are usually still open.
Most delays in a mortgage file come from paperwork sitting in a queue, not from the actual decision. Having the right documents ready from the start is what keeps a Montreal file moving in days instead of weeks: photos of the property, proof of income in whatever form it takes, your most recent municipal tax account, and valid government-issued ID.
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Fill out the form with your property’s address, an estimate of its value, and what you still owe.
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We review your property, your equity, and the outstanding balance to map out what’s possible for your file.
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You get a clear answer, usually within 24 hours, with the amount, structure, and next steps. Funding can follow in as little as 24 to 48 hours once documents are in.
Once the terms work for you, closing goes through a Quebec notary, the same step required for any mortgage registered against a property in the province.
We arrange private financing for homeowners throughout the greater Montreal area, including Montreal, Laval, the South Shore, and the North Shore. Whether you own a property in the West Island, N.D.G., Westmount, Longueuil, Brossard, Terrebonne, or elsewhere in the region, your property’s location is only one part of the evaluation. We focus primarily on the property’s value and the equity you have built in it.
MTL
Montreal proper, including the West Island, N.D.G., Westmount, downtown, and surrounding boroughs.
LAV
Laval and communities across Île Jésus, including Chomedey, Sainte-Dorothée, Duvernay, Fabreville, Vimont, and Auteuil.
RS
The South Shore, including Longueuil, Brossard, Saint-Hubert, Boucherville, and surrounding Montérégie communities.
RN
The North Shore, including Terrebonne, Blainville, Repentigny, Mascouche, and surrounding Lanaudière and Laurentides communities.
Not automatically. We look at the equity in your property first. If a bankruptcy or consumer proposal is behind you and you still own your home with equity in it, that history does not close the door the way it would at a bank.
Your existing mortgage stays in place. A second private mortgage sits behind it and draws on whatever equity remains between your home’s value and what you still owe on the first one.
Often not, but timing matters. If a legal mortgage or a notice has been filed against your property, reach out as soon as you can. Property-based financing can sometimes be arranged fast enough to resolve the situation, depending on where your file stands.
For most homeowners it is a bridge: a matter of months to a couple of years, used to stabilize finances or clear a deadline before refinancing with a traditional lender once their credit or documentation improves.
Yes, the evaluation is free and carries no obligation. We review your property and your situation, give you a clear answer, and you decide whether the terms work for you.
Yes. Your details are used only to evaluate your file and are not shared beyond what is needed to arrange financing.
Tell us about your property and your situation. We review it and get back to you with a clear answer, usually within 24 hours.