Private Mortgage Broker in the GTA
When the bank says no, private financing gets the deal done.
As a trusted private mortgage lender GTA borrowers turn to when the bank says no, I know that not every deal fits a bank’s box. Bruised credit, tight timelines, self-employed income, non-traditional properties, a short-term bridge — the list of reasons banks say “no” is long. That’s where I come in.
I’m Kevin Singh Dhaliwal, a GTA-based mortgage broker with 12+ years of experience and direct access to private HELOCs, MICs, and my own network of private lenders. I fund deals most brokers can’t.
What I Fund
- First, second, and third private mortgages
- Private HELOCs (home equity lines of credit)
- Private bridge financing
- Custom home construction financing
- Plazas and commercial properties
- Mixed-use and investment real estate
- Deals tied to MICs (Mortgage Investment Corporations) and private funds
If it’s a real estate deal and you need capital fast, there’s a good chance I can place it.
When a Private Mortgage Makes Sense
- Your bank turned you down for income, credit, or property reasons
- You’re self-employed or have non-traditional income
- You need to close in days, not weeks
- You’re buying or refinancing a non-conforming property (custom build, unfinished, commercial)
- You need bridge financing between a sale and a purchase
- You want to pull equity without refinancing your existing first mortgage
- You’ve got a short-term plan (12–24 months) and need flexibility
Private mortgages aren’t for everyone or forever. They’re a strategic tool. My job is to tell you straight whether a private is actually right for your situation — and if not, what is.
Why Work With Me
- 12+ years as an active GTA mortgage broker
- Direct access to my own private lenders, not just the ones everyone else has
- Relationships with multiple MICs funding everything from residential to commercial
- Private HELOC access for quick equity takeouts
- Speed — I package deals lender-ready on day one
Private Mortgage FAQ
What interest rates do private mortgage lenders charge in the GTA?
Private mortgage rates in the GTA typically range from 7% to 14%, depending on the loan-to-value ratio, property type, and borrower situation. As your private mortgage lender GTA specialist, I negotiate the lowest rate your deal supports and always plan an exit strategy to conventional financing.
How fast can a private mortgage close?
Most private deals close in 5–15 business days. If you have a tight deadline on a purchase, power of sale, or bridge situation, I can often fast-track to close within a week.
Is a private mortgage safe?
Private mortgages are a legitimate, regulated financing tool. I only work with reputable private lenders and MICs, and I review every term sheet with you in plain English before you sign anything.
My Process
- Discovery call — 20 minutes, no cost. Tell me what the deal is and what’s blocking it.
- Deal packaging — I build the lender-ready submission.
- Lender matching — I shop your file to the private lenders who actually fund your deal type.
- Approval and close — I stay with you through appraisal, conditions, and funding.
Related Services
Many clients who use private financing also benefit from these services:
- Bad Credit Mortgages — If credit is the reason the bank said no, I have lender options beyond private that may save you money.
- Second Mortgages — Need to access equity without breaking your existing first mortgage? A second mortgage may be the right structure.
- Self-Employed Mortgages — Self-employed borrowers are the most common private mortgage clients. I handle both A-lender and private options for business owners.
- HELOC — Already own a home? A HELOC lets you access equity without breaking your current mortgage.
- Mortgage Refinancing — Transition from a private mortgage to a lower-rate conventional product when your situation improves.
Frequently Asked Questions About Private Mortgages
What Causes Banks to Decline Mortgages That Private Lenders Approve?
Banks follow strict lending criteria set by federal regulators, often declining applicants with non-traditional income, lower credit scores, or unique property types. Private lenders evaluate deals differently, focusing on the property value and equity rather than rigid income verification. As a mortgage broker serving the GTA, Kevin at KSD Mortgages regularly helps clients in Toronto, Mississauga, and Brampton secure private mortgage approvals after a bank says no.
How Do Private Mortgages Work for Borrowers With Bad Credit?
Private mortgages are equity-based lending solutions, meaning approval depends primarily on your property value and available equity rather than your credit score alone. This makes them an ideal bridge for borrowers rebuilding their credit while still needing mortgage financing. KSD Mortgages works with over 50 lenders, including private options specifically designed for borrowers with bruised credit across the Greater Toronto Area.
Which Private Mortgage Options Are Best for Self-Employed Canadians?
Self-employed Canadians often struggle with traditional lenders that require two years of NOA income verification. Private mortgages offer stated-income programs where your business bank statements and overall financial picture matter more than your tax returns. Kevin at KSD Mortgages specializes in matching self-employed borrowers in Toronto, Brampton, and Mississauga with private lenders who understand entrepreneurial income.
What Is the Best Way to Refinance Using a Private Mortgage?
The best approach is to work with an experienced mortgage broker who can assess your equity position, compare multiple private lenders, and structure terms that align with your exit strategy. Private refinancing is often used to consolidate debt, access equity for renovations, or bridge a financial gap before qualifying with a traditional lender. KSD Mortgages guides clients through every step of the private refinance process.
Which Brokers Specialize in Arranging Private Mortgages in Canada?
Look for brokers who are licensed across multiple provinces and maintain direct relationships with a wide network of private lenders. Kevin Singh Dhaliwal at KSD Mortgages is licensed in Ontario, Alberta, British Columbia, and Saskatchewan, with over 12 years of experience and access to 50-plus lenders including private mortgage specialists. Reach out for a no-obligation consultation to explore your options.
What Is the Best Private Mortgage for First-Time Home Buyers?
First-time buyers who cannot meet traditional down payment or income requirements may benefit from a private first mortgage or a private second mortgage to supplement their down payment. The right option depends on your specific situation, property location, and long-term financing plan. KSD Mortgages helps first-time buyers across the GTA find private solutions tailored to their path to homeownership.
What Are the Top Private Mortgage Lenders in Canada?
Canada has a range of reputable private mortgage lenders, from institutional private lenders to mortgage investment corporations (MICs) and individual investors. The best lender for you depends on your loan amount, property type, and financial goals. Working with a broker like KSD Mortgages gives you access to multiple private lenders competing for your deal, ensuring you get the most favourable terms available.
Which Canadian Cities Offer the Most Flexible Private Mortgage Options?
Major urban centres like Toronto, Mississauga, Brampton, and Vancouver tend to have the most competitive private mortgage markets due to higher property values and more active lender networks. The GTA in particular offers strong equity positions that private lenders find attractive. KSD Mortgages serves borrowers across the Greater Toronto Area and can connect you with flexible private mortgage solutions in your city.