Buying a property
Bank refusal, closing date too close, income hard to document or buying before selling your current home: a private loan closes the deal, then you refinance with a traditional lender.
Files reviewed every business day, in EN and FR
Turned down by the bank? 60-day notice? We unlock your financing.
Purchase, refinancing, debt consolidation, overdue income tax or property taxes: our brokers build your file and present it to the right private lenders. You receive a clear, written, compared proposal, rate and fees itemized, before any commitment.
Answer within 24 to 48 business hours. Funding at the notary often within days.
Brokers licensed by the AMF. No advertised rates: every file gets its own written proposal.
House, condo, duplex to fourplex. Zero fees before the written proposal. Vacant land excluded.
Request received
Thank you for your trust. A broker from our team will contact you shortly, at the phone number or email you provided, to review your situation.
24-48 hfor a first answer, on business days
20+accredited private and alternative lenders consulted
16regions served, extensive coverage of Quebec's cities
$0in fees before the written proposal, with compared options
Brokers licensed by the AMF
Club Excellence, top 10 brokers in Quebec, 2018 to 2025
Consumer Choice Award, 2022 and 2024
A service of the Hypotheques.ca team
Private mortgage loans in Quebec, at a glance
- Transitional financing secured by a built residential property, funded by a private lender rather than a bank.
- Fast: first answer within 24 to 48 business hours, funding at the notary often within days.
- Temporary: usual term of 6 to 24 months, with an exit strategy back to a traditional lender planned from day one.
- Transparent: fees apply (lender, brokerage, appraisal, notary) and no rate is advertised; every file receives a detailed written proposal.
Situations we handle
A financing solution for every urgency and every project
A private loan is a transition tool. We use it when it solves a real problem, with an exit strategy back to a traditional lender as soon as your situation allows.
Refinancing and equity take-out
Unlock the equity in your property for a project, renovations, a down payment or business liquidity, even when bank ratios do not fit.
60-day notice and repossession
Prior notice received, mortgage payments behind, file with the creditor's lawyer: a private refinancing can stop the process and protect your equity. Act quickly, every day counts.
Debt consolidation
Combine credit cards, lines of credit and personal loans into a single payment secured by the property, while your credit file recovers and traditional financing becomes possible again.
Overdue income tax and property taxes
Balances owed to Revenu Québec or the Canada Revenue Agency, unpaid municipal or school taxes: paying these quickly avoids interest, seizures and legal hypothecs.
Self-employed and atypical files
Recent or variable income, newcomer to Canada, consumer proposal, bruised credit: a private lender looks first at the property and the equity, not only at the paperwork.
Urgent · 60-day notice
Act now
Received a prior notice? It is not too late.
A private refinancing can pay out the creditor, stop the repossession process and protect the equity built up in your property. The earlier you act, the more options you keep. Describe your situation now: a broker takes it on quickly and confidentially.
Eligible properties
Built residential properties, in Quebec's cities
The private financing we arrange covers built residential properties, owner-occupied or rented.
Single-family houseowner-occupied or rental
Condodivided or undivided
Duplexowner-occupied or rental
Triplexowner-occupied or rental
Fourplexowner-occupied or rental
Other residential buildingscottages, secondary homes and small multi-unit buildings, case by case
Exclusion
We do not finance vacant land or unbuilt lots. If your project involves land only, we will not be able to take it on through this platform.
The process
Four steps, no detours
You are busy running your life and your business; so are we. Your file moves forward while you get on with your day.
Your request
Two minutes to describe your situation, directly online. No documents required at this stage.
File review
A broker assesses the property, the available equity and the goal, then identifies the relevant private lenders. First answer within 24 to 48 business hours.
Written proposal
Amount, rate, term and all fees, with compared options, presented in writing and explained line by line. You decide with full knowledge of the facts.
Notary and funding
Signing at the notary and disbursement of funds, often within days. The exit strategy back to a traditional lender is planned from day one.
Transparency
A private mortgage involves fees. Here they are.
We would rather tell you before you write to us. Every written proposal details all costs; nothing is buried in the fine print.
- Private lender feesset by the lender based on the file and the property
- Brokerage feesdisclosed in writing before any commitment
- Property appraisalby an independent chartered appraiser
- Legal and notary feesregistration of the hypothec and disbursement
Why we do not advertise rates
The rate of a private loan depends on the property, the location, the available equity and the file. Advertising a headline rate would be misleading: most borrowers would not qualify for it. In line with the rules governing mortgage brokerage firms, we present every condition in writing, for your actual file.
A private loan costs more than a bank mortgage. It makes sense when it protects your equity, unlocks a transaction or solves an emergency, with a planned exit back to traditional financing.
Coverage
Extensive coverage of Quebec's cities
Files are handled remotely and online, with signing at a notary in your area. Financing availability depends on the location and the property.
MontrealLavalMontérégieLaurentidesLanaudièreQuebec CityChaudière-AppalachesEastern TownshipsOutaouaisMauricieCentre-du-QuébecSaguenay–Lac-Saint-JeanBas-Saint-LaurentAbitibi-TémiscamingueCôte-NordGaspésie and the Islands
Frequently asked questions
Private mortgages, explained plainly
What is a private mortgage loan?
A loan secured by your property and funded by a private lender rather than a bank. It is a bridge solution when traditional institutions decline the file or when time is too short. It is usually set up for 6 to 24 months, with an exit strategy back to a traditional lender.
How fast can it be done?
A first answer is usually given within 24 to 48 business hours after we receive your information. Funding at the notary can then follow within days, depending on the file and the property appraisal.
Bad credit, bank refusal, consumer proposal: can I qualify?
In many cases, yes. A private lender relies first on the value of the property and the available equity, not only on credit score or declared income. Every file is reviewed individually.
What fees should I expect?
A private mortgage always involves fees: lender fees, brokerage fees, property appraisal and legal or notary fees. All fees and the applicable rate are presented to you in writing before any commitment.
I received a 60-day notice. Is it too late?
No, but every day counts. A private refinancing can pay out the creditor, stop the repossession process and protect the equity built up in your property. The earlier you act, the more options remain open.
Do you finance vacant land?
No. Vacant land and unbuilt lots are excluded. Financing covers built residential properties: houses, condos, duplexes, triplexes, fourplexes and, case by case, small rental buildings.
What is your rate?
No rate is advertised or guaranteed in advance. The rate depends on the property, the equity, the location and the file. You receive a written proposal detailing the rate and all fees before committing.
How long does a private loan last?
Usually 6 to 24 months. From day one we plan the exit: rebuild the file, then refinance with a traditional lender on the best possible terms.
Your situation deserves an answer, not a judgment.
Two minutes to describe your file. A clear, written, compared proposal before any commitment.
Describe my situation now