How it works

A clear process for private and alternative mortgage options.

Private lending should not feel vague. The process should clarify the property, equity, urgency, costs, lender fit, and exit strategy before you decide whether to proceed.

The process

From review to funding

The goal is to determine whether a private mortgage is appropriate, not to force every file into private lending.

1. Review your situationWe identify the purpose, timing, current mortgage, property details, debts, arrears, income picture and desired outcome.
2. Confirm equity and lender fitPrivate mortgage lenders usually focus heavily on property value, loan-to-value, location, marketability, and exit strategy.
3. Compare practical optionsWhere appropriate, we review private first mortgages, second mortgages, bridge financing, consolidation, alternative lending, or non-private options.
4. Explain costs and risksRates, lender fees, broker fees, legal costs, appraisal requirements, payout penalties, payment structure, and term length need to be clear before moving ahead.
5. Build the exit strategyA private mortgage is usually short-term. The plan may involve selling, refinancing, improving credit, paying debts, or moving to an institutional lender later.
6. Close only if the structure makes senseIf the file proceeds, the lender issues approval terms, legal instructions are sent, and funding occurs after conditions are met.
Important: Private mortgages are tools, not default recommendations. They should only be used when they are appropriate for your situation and supported by a realistic exit strategy. Every file is different. Click here for a complimentary review, and I’ll assess your circumstances and recommend the financing solution that best fits your needs.