When the Bank Says No, We Find a Way — Private Mortgage Solutions Tailored to You.
Are you looking for a private mortgage because your bank won’t lend you the money you
need — especially when your situation calls for a more creative solution?
You’re not alone. Many Canadians turn to private mortgages when traditional lending options fall short.
Suganthan specialize in helping clients like you navigate alternative lending — with clear advice, flexible options, and full transparency.
Why Consider a Private Mortgage?
Life doesn’t always fit neatly into a bank’s box. Private mortgages are ideal for situations like:
- High-Ratio Loans or Collateral-Based Financing
- Low or No Verifiable Income (self-employed, gig workers, seasonal income)
- Credit Challenges: bad credit, past collections, recent bankruptcies
- Non-Resident or New-to-Canada Buyers
- Bridge Financing for purchases or construction
- Unique or Non-Traditional Properties that banks decline
Tailored Solutions with Trusted Lenders
We work with a wide network of reputable private lenders to design financing that works for your situation.
Rates start as low as 5.89%, depending on your property, equity, and financial profile.
Every solution is custom-built — no one-size-fits-all approach here.
Client Success Stories
Your story can be next.
Tailored Solutions with Trusted Lenders
Private mortgages offer flexibility — but they also come with key considerations:
- Higher Fees: You may encounter legal, broker, and lender fees
- Prepayment Penalties: Breaking the mortgage early can trigger costs
- Short-Term: Many private mortgages are 1-2 year terms, intended as a bridge — not a permanent solution
- Our job is to help you secure a product that i flexible, transparent, and in your best interest — so you can focus on your goals, not hidden costs.
Why Work With Us?
More Than a Broker — Your Mortgage Partner.
- Over 18 Years of Mortgage Experience
- One-on-One Personalized Support
- Access to Canada’s Top Private Lenders
- Transparent, No-Surprise Process
- We Work for You — Not the Lender
Mortgage Made Better® is built on trust. We’re here to advise you honestly, explain your options clearly, and help you move forward with confidence.
Client Success Stories
Your story can be next.
FAQ
Is a private mortgage safe?
when structured correctly and with a reputable lender. We ensure that your private
mortgage terms are transparent, and we only work with lenders we trust.
How long is a typical private mortgage?
Most are short-term (1-2 years), allowing you time to improve your financial profile or complete your project, then refinance with a traditional lender.
What are the fees?
Fees vary depending on the deal. We will provide a full breakdown up front before you
sign anything.
Will a private mortgage hurt my credit?
Not directly. In fact, using a private mortgage to pay off collections or manage debts can sometimes improve your credit over time.
Can I get a private mortgage if I’m self-employed or have no income?
Yes — private lenders focus on the property and available equity. Your income is considered, but it’s not always the primary factor.
Ready to Explore Your Options?
Don’t let banks or traditional lenders limit your future. Let’s have a conversation — no
obligation. Your situation is unique. Your mortgage should be too. Mortgage Made Better® — because a mortgage should work for you, not against you.