Private Lending Simplified

A private mortgage loan, also known as an equity-based loan, uses the value of your home as collateral. A private mortgage can be of first or second rank, depending on whether there is already an existing mortgage on your property.

A mortgage of second rank is commonly referred to as a second mortgage since the purchase loan is the first mortgage, secured by a lien on your property. A second mortgage, or home equity loan, means borrowing money against the portion of your house that you own, which is referred to as equity. The capital derived from the equity in your home can fluctuate, but generally grows over time. Contact us to secure your private mortgage today.

Easier Qualification Banks follow strict guidelines tied to credit history and income, which exclude many borrowers. Private lenders focus on the property’s value and your overall ability to manage the mortgage, making approval accessible to self-employed individuals, newcomers, or those with imperfect credit. Faster Approvals Bank mortgages often take weeks due to heavy documentation and checks. Private lenders simplify requirements, requesting only essentials and delivering approvals within days—ideal for time-sensitive purchases or refinancing. Flexible Solutions Unlike banks bound by standardized rates and rigid lending rules, private lenders can adapt terms to your needs. They offer a range of interest rates, finance diverse property types, and structure loans with greater flexibility to suit unique situations.

We finance a broad range of residential and mixed-use properties, including single-family homes, condos, duplexes, triplexes, multi-unit buildings, and commercial properties throughout Montreal and Quebec.

Yes, we finance properties that are owned personally or through incorporation. Our private lending services are designed to be flexible and accessible, ensuring your incorporation receives the necessary funding swiftly and transparently. Contact us to discuss how we can best support your financing needs.

To obtain financing, the documents required include your identification, proof of homeowner’s insurance, mortgage statements from existing creditors, a specimen cheque for pre-authorized debits, and the certificate of location for your property.

Montreal Capital can often provide an initial approval within 24–48 hours. Once documentation, valuation, and notarization are complete, funding typically occurs within 5 to 10 business days, depending on the complexity of the file.

Private financing may be a fit if you need speed, flexibility, or a short-term solution to unlock equity or stabilize a situation. Montreal Capital offers straightforward guidance and will tell you honestly whether private financing is the right solution for your goals.