Private Mortgage Lending
Private Mortgage Lending for Flexible Financing Solutions
When banks say “no,” Lending Tree can help you find a lender who says “yes.” Private mortgage lending offers flexible solutions for self-employed borrowers, those with credit challenges, urgent funding needs, or short-term bridge financing. Provided by investors or non-bank companies, these loans focus on your property’s value and equity rather than just your credit score. We connect you with trusted private lenders in BC who understand unique financial situations.
When a Private Mortgage Makes Sense
Private mortgage lending is ideal for borrowers who don’t fit the strict mold of traditional banks. It offers solutions for self-employed borrowers who need income flexibility, property investors with non-traditional real estate, and homeowners working to rebuild their credit. It’s also a smart choice for urgent closings when banks can’t meet the timeline, or for bridge financing to cover the gap between buying and selling a property.
Is a Private Mortgage Right for You?
Private mortgages often have shorter terms and higher interest rates than traditional loans, making them best for short-term needs. They work well for urgent funding, bridge financing, or credit-challenged borrowers, with approvals based more on property equity than credit scores. Understand the terms, fees, and repayment plan before committing, and always have a clear exit strategy to refinance or pay off the loan when the term ends.
Get Funded Fast with Private Mortgages
Need fast and flexible financing? Private mortgages focus on your home’s equity rather than your credit score, with approvals up to 65% to 80% LTV. Terms are short, typically from six months to three years, making them ideal for bridge financing, urgent needs, or credit recovery. Fees are often built into the loan, and many borrowers use them as a stepping stone before refinancing into a traditional mortgage.
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Your Bridge to Better Mortgage Solutions
Access to Multiple Lenders
Compare offers from top private lenders, mortgage investment corporations, and alternative financing sources in one place.
Fast Approvals
We can secure funding in days, helping you meet urgent deadlines.
Competitive Options
We help find the most favorable terms for your situation.
Streamlined Process
We handle the paperwork and coordinate with all parties for a smooth experience.
Ready to Get Approved Fast?
Whether you’re self-employed, have credit challenges, or need quick bridge financing, LendingTree makes private mortgage lending simple. Compare offers from trusted private lenders today and get the funding you need in days.
Frequently Asked Questions
What’s the difference between a private mortgage and a bank mortgage?
A bank mortgage uses strict credit and income rules. A private mortgage focuses more on property value and equity.
How quickly can I get a private mortgage?
In many cases, approval and funding can be completed in less than a week. Some private lenders can even release funds within a few days if needed.
Do I need good credit to get a private mortgage?
No, private lenders often work with borrowers who have low credit scores or past financial issues. They base decisions more on the equity in your property than on your credit history.
What kind of properties qualify?
Most residential, commercial, and investment properties with enough equity can qualify. Lenders may also consider unique or non-traditional properties that banks would decline.
Are private mortgages safe?
Yes, private mortgages are safe when arranged through licensed brokers and reputable lenders. These transactions follow regulated processes designed to protect borrowers and lenders.