Ontario Private Lending
Private Mortgage Solutions in Ontario
Banks see checkboxes. We see the full picture. Access private capital secured by your Ontario property — with a clear exit strategy built in from day one.
A Strategic Tool, Not a Last Resort
What is a Private Mortgage?
A private mortgage is a short-term loan secured against real property, funded by private capital rather than a bank. In Ontario, private mortgages are one of the most powerful financial tools available — particularly for borrowers who don't fit conventional lending templates.
Self-employed? Recently changed jobs? Complex financial picture? A private mortgage gives you access to capital now, while you build the documentation trail that conventional lenders require.
The difference at PMC: every deal comes with a built-in exit strategy. We're not just funding your loan — we're planning your path back to conventional financing.
Fast Approvals
Capital in days, not months. PMC cuts through institutional red tape.
Exit-First Lending
We don't just approve the loan. We approve the exit plan.
FSRA-Licensed
Full regulatory protection and disclosure on every transaction.
$2B+ Funded
Over $2 billion deployed across 6,500+ Ontario deals.
Who We Help
Three Borrowers. One Solution.
Ontario private mortgages serve diverse borrowers — the common thread is a situation that banks won't accommodate.
Real Estate Investors
Portfolio scaling beyond bank limits, construction financing, CMHC bridge loans, and equity takeouts. Private capital gives investors the speed and flexibility traditional lenders can't match.
Self-Employed Business Owners
Tax optimization creates 'paper losses' that confuse bank algorithms. PMC qualifies based on actual cash flow, business trajectory, and real earning capacity — not just your NOA.
Homeowners in Transition
Divorce, estate settlement, power of sale rescue, or a bridge between properties. When life's timing doesn't match the bank's schedule, private capital bridges the gap without forced selling.
What Sets Us Apart
Every Deal Has an Exit Strategy
Most private lenders fund the loan. PMC funds the path forward.
An exit strategy is a written plan — agreed upon before funding — that maps your transition from private financing back to conventional rates.
Without a planned exit, borrowers can get trapped in costly renewals. PMC builds the exit into every deal structure from day one.
Submit Your Deal Snapshot arrow_forwardMapped Before Funding
We identify your exit path before we structure the loan — not after.
Time-Bound Goals
Specific milestones: income documentation, credit improvement, property stabilization.
Lower Long-Term Cost
A clear exit means less time in private financing — reducing your total interest cost.
We Stay Accountable
PMC checks in at renewal to ensure your exit plan is on track. We want you back in conventional — that's the goal.
Common Questions
Private Mortgage Questions, Answered
Take the First Step
Ready to Talk Strategy?
Tell us about your situation. Our team will assess your deal, structure a holistic solution, and map your exit strategy — same business day response.
What type of financing do you need?
Select option that best describes your situation
Purchase
Buying a new property
Refinance
Refinancing existing mortgage
Equity Take-Out
Access home equity
Bridge/Short-Term
Temporary financing
Construction/Renovation
Building or renovating
Debt Consolidation
Consolidating debts
FSRA-Licensed · Dalia Barsoum, 2× Broker of the Year · Same-day reply on most deals