Mortgage Loans

Mortgage Loans



Our mortgage lender network of chartered banks, trust companies, credit unions, hard money lenders, private institutions and private individuals provide the following types of financing, mortgages and loans:

  • ~Private mortgages
  • ~Hard money loans
  • ~Home Equity Loans
  • ~Equity financing
  • ~Second mortgages
  • ~Strategic Investment Financing
  • ~Investment Mortgages
  • ~Equity Mortgages
  • ~Residential Mortgages
  • ~Mortgages for new immigrants & new Canadians
  • ~Commercial mortgages
  • ~Reverse mortgages
  • ~Interest only mortgages
  • ~No monthly payment mortgages
  • ~Financing for properties located in U.S.
  • ~Rent To Own financing
  • ~Bank financing
  • ~Mortgage loans for properties on leased land
  • ~Construction mortgages
  • ~Commercial land development financing
  • ~Private commercial mortgage refinancing
  • ~Up to $5 billion for large projects


We have mortgage lenders who waive certain requirements, or who can offer the following to help us to get those ‘impossible’ deals financed (conditions apply):

  • ~Don’t require credit checks
  • ~Don’t require appraisals
  • ~Offer appraisal rebates up to $400
  • ~Can fund in 48 hours
  • ~100% financing (zero down mortgage loan **conditions apply)


Canadian Mortgage Lenders' Guidelines


PRIVATE EQUITY LENDER: Mortgage Loans in Alberta

-We can usually get them the money within 6-8 days.
-We DO NOT require any income verification, CB's or debt servicing for approval. Exceptional circumstances excluded.
-Lender will pay for the appraisal on qualified deals – Major centers or surrounding area – conditions apply***
Consolidate all of the debt into 1 low monthly payment.
Start a business (or inject working capital into you current business).
Get some extra money for whatever reason (vacation, car, cash float).
Increase the value of your home with renovations (new kitchen anyone?).
Pay personal tax debt.

With each deal I would like to see the following to be able to provide the best deal we can:
~Quick summary of the situation
~Appraisal (if you have one)

General lending guidelines:
Property Types:
- Residential
- Urban
- Rawland/Farmland
- Rental/Revenue properties
- Recreational
- Condominiums
- Commercial

Lending Situations:
- 1st & 2nd Mortgages
- Foreclosure Intervention
- Construction loans
- Debt consolidation
- Clear CRA debt
- Clear Writs/judgments

Max LTV:
 75% in major centers and direct surrounding area
 Lower LTV on rural properties anywhere in AB

 Stated

 Not required, equity based

 1 or 2 year terms

 Deal dependent

Lender fee
 As low as 2%

Max LTV (inquire)

Parameters that must be met:
 ~No loans to exceed 80% LTV.
 ~All mortgages must be in a well defined urban area – Calgary, Edmonton & immediate surrounding area
 ~Client must have lived in property for a minimum of 5 years
 ~Amortization must be 15 years or less
 ~No rental properties unless inter alia over residential.

Parameters that will impact our decision:
~Credit bureaus.
~Higher valued property (i.e. exceeding $750,000).
~1st mortgage, insurance & property taxes need to be up to date.
~Total debt service coverage ratio.
~Client’s current employment (longevity, government vs. private, etc.).

PRIVATE MORTGAGE LENDER: Mortgage loans in British Columbia, Alberta, Saskatchewan, Manitoba & Ontario
•No lender fees!
•No renewal fees!
•Fully open terms!
•Interest only payments!
•Stated income
•Straight equity
•Rentals ok!
•Simple commitments and fantastic service!
•Exceptional deal turn-around and funding!
•Low docs OK
•1st mortgages from BC to Ontario
•2nd mortgages available in BC, Manitoba and Ontario** No lender fee - you set your fee and we pay you upon funding!
** No renewal fee if the loan is paid as agreed and value has not declined
** 2nd mortgages - amortized payment may be requested

commercial construction loans up to 75% of the total cost of construction, including:
•Soft costs (plans and permits)
•Purchase of land
•Site servicing
•Financing available to purchasers of the finished product!
•INTEREST PAID ONLY on the funds drawn!
•FULLY OPEN MORTGAGE TERMS with no pre-payment penalties!
INTEREST RATES FROM 8.49% with flexible terms and commitment conditions.

We will consider application on the following property types:
•Retail Centres
•Mixed Use
•Fully Tenanted Industrial
•Condo Inventory
•Lot Inventory
•Hospitality properties

Loan Amount: up to $5,000,000
Mortgage Positions: 1st
Mezzanine financing available on exception
Loan to Value: Max LTV (inquire)
Interest Rates: starting at 7%
Mortgage Term: up to 2yr, open or closed
Prepayment Penalty: standard 3 months interest on closed term
Lender Fee: from 1%

PRIVATE EQUITY LENDER: Mortgage Loans in Ontario
1st Mortgage Rates Starting at 4.99%
2nd Mortgage Rates Starting at 7.99%
Loan Sizes: $100,000 - $2,000,000
Amortized Up To 40 Years
Open After 3 Months
Max LTV (inquire)
Ontario Only
No Minimum Credit
No Income Verification
No DP Verification Required
No Maximum TDS/GDS
Non Residents Accepted
Rentals Accepted
PRIVATE MORTGAGE LENDER: Mortgage Loans in Ontario onlyLends to 95% LTV
PRIVATE MORTGAGE LENDER: Mortgage Loans in British Columbia, Alberta and Ontario
Fully Open term
rates starting at 6.99%
Max LTV (inquire)
Minimum Loan $40,000
Maximum Loan $150,000.00
Minimum lender fees reduced on smaller 2nds
PRIVATE MORTGAGE LENDER: Mortgage Loans from British Columbia to Ontario NO LENDER FEE!
Lending from BC to Ontario!
Standard for all residential mortgages!
Frees up mortgage proceeds for closing costs and other incidentals!

Call first for even more awesome terms such as:
•No lender fees!
•No renewal fees!
•Fully open terms!
•Interest only payments!
•Stated income
•Straight equity
•Rentals ok!
•Simple commitments and fantastic service!
•Exceptional deal turn-around and funding!
•Low docs OK
•1st mortgages from BC to Ontario
•2nd mortgages available in BC, Manitoba and Ontario

** No renewal fee if the loan is paid as agreed and value has not declined
** 2nd mortgages - amortized payment may be requested

Up to 95% LTV Second Mortgages in ONTARIO and BRITISH COLUMBIA

Acton 90% Max
Ajax 95% Max
Alliston 85-90% Max
Ancaster 90% Max
Arnprior 95% Max
Aurora 95% Max

Barrie 90% Max
Bolton 95% Max
Bowmanville 90% Max
Bracebridge 75% Max
Beamsville 85% Max
Bradford 95% Max
Brampton 95% Max
Bowmanville 90-95% Max
Brantford 95% Max
Breslau 90% Max
Burlington 95% Max
Brooklin 95% Max

Caledon 95% Max
Caledon East 95% Max
Cambridge 95% Max
Campbelville 85-90% Max
Chatham 90% Max
Clarington 85-90% Max
Cobourg 90% Max
Collingwood 90% Max
Concord (Vaughan) 95% Max
Courtice 90% Max

East Gwillimbury 95% Max
Erin 85-90% Max
Etobicoke 95% Max

Fort Erie 85-90% Max

Georgetown 95% Max
Guelph 95% Max
Grimsby 95% Max

Ilderton 95% Max
Inglewood 95% Max
Innisfil 95% Max

Kanata 95% Max
Kawartha Lakes 90% Max
Keswick 90% Max
King City 95% Max
Kingston 95% Max
Kitchener 95% Max

LaSalle 90%
London 95% Max

Maple 95% Max
Markham 95% Max
Milton 95% Max
Mississauga 95% Max
Mount Forest 90% Max
Metcalf 85-90% Max

New Lowell 90% Max (with fees)
New Tecumseth 85-90% Max
Newcastle 90% Max
Newmarket 95% Max
Niagara on the Lake 90% Max
Niagara Falls 95% Max
Northbrook 90% Max (with fees)
North York 95% Max

Oakville 95% Max
Orangeville 95% Max
Orillia 85-90% Max (dep. on prop.)
Orono 90% Max
Oshawa 95% Max

Peterborough 95% Max
Pickering 95% Max
Port Hope 90% Max
Port McNicoll 65% Max
Port Perry 90% Max
Port Robinson 85-90% Max

Rockwood 90% Max

Schomberg 90% Max
Scugog 85% Max
Smith Falls 90% Max
St. Catharines 95% Max
St. Thomas 85-90% Max
Stittsville 95% Max
Stoney Creek 90% Max detach, 75% condo
Stoufville 95% Max
Stratford 90% Max

Thornhill 95% Max
Thorold 95% Max
Thamesford 90% Max
Toronto 95% Max

Uxbridge 90% Max

Wasaga Beach 90% Max
Waterdown 90% Max
Waterloo 95% Max
Whitby 95% Max
Willowdale 95% Max
Windsor case-by-case 95% Max
Woodbridge 95% Max
Woodstock 90% Max


Abbotsford 95% Max
Agassiz 80% Max

Burnaby 95% Max

Chilliwack 95% Max
Courtenay 90% Max
Coquitlam 95% Max
Cumberland 80% Max
Campbell River 80-85% Max
Comox 85-90% Max

Duncan 90-95% Max
Delta 95% Max

Errington 80% Max

Gibsons 85% Max

Kelowna 95% Max
Kamloops 85% Max

Langley 95.00%
Ladysmith 80% Max
Lantzville 85%-90% Max

Mainland/Downtown 95%Max
Maple Ridge 95% Max
Mission 95.00%

North Vancouver 95% Max
Nanaimo 90% max
New Westminster 95% Max

Qualicum 80% Max

Richmond 95% Max

Surray 95% Max
Sydney 80% Max
Squamish 80% Max
Summerland 85% Max

Victoria 95% Max
Vernon 80%-85% Max

West Vancouver 95% Max
White Rock 95.00%

*Please note that the maximum LTVs are only offered to the borrowers with excellent payment history and on approved properties

Toronto and GTA Debt Lender
~First Mortgage Only
~$1M to $5M
~50% - 55% LTV of purchase price or appraised value
~Lender Fees: 0.5% to 1%
~Term: 12 to 36 months
~Asset Classes: Undeveloped Land, Industrial Sites, Office Properties, Retail Plazas, Medical Buildings, Stakeholder Consolidations
Toronto and GTA Private Equity Lender
~Direct Equity Investment in Real Estate Re-development Projects\
~Equity Size: $250k to $2M
~Term: 12 to 36 months
~Type of Asset: Land for re-development, Commercial Buildings for re-development, specific RE projects for re-positioning
(stay tuned for more mortgage lender guideline updates)

Real Estate Investors Build Wealth Upon A Solid Foundation

“Therefore everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. But everyone who hears these words of mine and does not put them into practice is like a foolish man who built his house on sand. The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash.” Matthew 7:24-27, New International Version (NIV), “The Wise and Foolish Builders.”


Real estate investors who did not build upon a solid financial foundation ran out of money for down payments, paid high monthly mortgage payments (as a result of high interest rates), or could not qualify for future mortgage financing because they exceeded the bank’s quota on the total amount of rental properties allowable.
R.E.I.C.O’s strategic investment financing and mortgages program alleviates those problems by offering over a half a dozen bank, institutional, and private financing strategies to empower investors to minimize the total amount of money required for down payments and strategically uses the appropriate mortgage products to prevent being restricted to a specific quantity of properties. Members also are offered the lowest interest rates in the industry to allow them to maximize their cash flow.


"A properly planned borrowing strategy is a pillar to any income real estate ownership strategy.”
When savvy investors buy real estate investment properties, they start with a plan. They compare and analyze markets, monitor population trends, track job growth, and network to source great investment opportunities.
Investors strategize on how to find the best opportunities with the assistance of realtors (prior to being posted onto the MLS), developers, directly from motivated sellers, and – from time to time – mortgage professionals.
Surprisingly, however, not as much thought and planning is taken into account when selecting a mortgage. The mortgage they accept from the banks or their mortgage broker is the one that typically has the lowest interest rate and that (sometimes) is their first mistake. There is a lot more to borrowing money than cost of funds.
But what happens when the mortgage matures in a high interest rate environment, or if the property has to be refinanced before maturity to buy another property?