Bad credit, self-employed income, mortgage arrears, CRA debt, or an urgent closing — private lenders evaluate your equity, not just your credit score. No credit check required to start a review.
Tell us your situation and a specialist will contact you directly — usually the same day.
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Private mortgage options exist for borrowers who fall outside standard bank guidelines — often for reasons that have nothing to do with their ability to actually repay.
Collections, missed payments, consumer proposals, past bankruptcy, or a score that doesn't reflect where you are today. Private lenders focus on equity first.
No minimum scoreIf you write off expenses, your taxable income on paper may not reflect what you actually earn. We work with lenders who understand how to read a self-employed file.
Stated income optionsClosing in days, renewal falling through, a possession deadline, or a power of sale notice. Private lenders can move significantly faster when the file is clear.
48–72hr closings possibleBehind on payments or carrying a CRA lien? A private mortgage can sometimes stop the clock and buy time to stabilize before a bank exit is possible.
Foreclosure situations welcomeHigh-interest credit cards, personal loans, or CRA balances can sometimes be consolidated into a single mortgage-secured payment, reducing monthly pressure.
Single monthly paymentAlready have a mortgage you don't want to break? A second mortgage lets you access equity without disrupting your existing rate or triggering a penalty.
Keep your first mortgageEvery file is different. The goal is to give you a clear, honest assessment of what's realistic before asking for a full application — no credit check required to start.
Your situation, city, name, and phone. No credit check required at this stage. Takes about 60 seconds.
We assess likely fit based on equity position, property type, urgency, and borrower profile. Usually same day.
A plain-English explanation of realistic paths, realistic costs, and what documents would be required.
If there's a genuine path, the file moves toward application and closing. You decide if and when.
"Very fair and kind individual I dealt with. Transaction was painless and very quick."
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Examples only. All financing subject to qualification, property assessment, lender approval, and individual file details. Results vary.
Homeowner used available equity to resolve missed payments and a creditor judgment before power of sale was triggered.
Business owner with strong cash flow but limited taxable income consolidated high-interest debt into a single mortgage payment.
Borrower with prior consumer proposal and non-standard income secured a private first mortgage. B-lender exit planned at 18 months.
Short-term financing bridged a 6-week gap between a new purchase closing and proceeds from the existing home sale clearing.
Run a quick estimate based on your property value and existing mortgage. No credit check, no obligation — just a starting point for the conversation.
No credit check. Results in seconds.
Estimates only. Rates shown (~8.5–11%) are illustrative based on typical private lending ranges — actual rate depends on file, lender, and property. All financing subject to lender approval and property assessment. OAC.
Not ready to fill out a form? Call us directly or send the basics and we'll reach out — no credit check required and no obligation to proceed.
A NOW Mortgage specialist will review and contact you directly. No credit check required to start.
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