When a bank says no, or when you want your capital working harder — I arrange private mortgage financing for borrowers and structure secured private lending opportunities for investors, across Barrie, Simcoe County, and the GTA.
Banks underwrite on rigid rules. Private lenders underwrite on equity. Here's when that difference matters.
A past consumer proposal, bankruptcy, or simply not enough credit history shouldn't end your options — private lenders focus on your property's equity, not your score.
If your tax returns don't reflect your real cash flow, private financing bridges the gap while you build a stronger paper trail for an A lender.
Closing dates don't always line up. A short-term private bridge loan covers the gap between selling one property and closing on the next.
Consolidate high-interest credit cards or CRA debt into a single secured payment — funded in days, not the weeks a bank requires.
If you've fallen behind with your current lender, a private mortgage can pay out arrears and buy the time needed to stabilize or sell on your terms.
Access equity behind an existing first mortgage you don't want to disturb — for renovations, investment, or a down payment on another property.
Private financing is a bridge, not a permanent destination. I structure every deal with a clear path back to conventional lending once your situation stabilizes.
Illustrative only. Your actual rate and fees depend on property, position, and loan-to-value. Contact Leo for your exact terms.
Your capital, secured by real Canadian real estate, earning consistent monthly income — without stock market volatility.
The safest private mortgage position — your capital is first in line against the property, typically at conservative loan-to-value ratios.
Higher yield for accepting second-position risk behind an existing first mortgage — still secured by registered real property.
A self-directed TFSA or RRSP can hold private mortgage investments — growth is tax-free (TFSA) or tax-deferred (RRSP) under CRA rules.
Whether you need private mortgage financing or want to put your capital to work as a private lender, I'll walk you through the numbers honestly. No cost, no commitment.