Private Mortgages, Short-Term Bridge Loans & Equity Capital.
Fast, flexible asset-based lending for real estate investors, builders, and homeowners facing institutional banking delays, tight closing deadlines, or complex title situations across Ontario.
Immediate asset assessment without bank committee review hurdles.
Maximized leverage against verified real property market values.
No NOAs, T4s, or arbitrary corporate ratios required to qualify.
Pay out at any milestone with structured non-punitive discharge clauses.
The 4 Core Private Lending Scenarios
Structured short-term liquidity designed precisely where institutional guidelines restrict capital movement.
Urgent Closing Protection
Bridging transaction gaps when primary institutional financing falls short, pulls back conditional approval, or encounters processing delays on firm purchase dates. We prevent forfeited deposits and litigation.
2nd Mortgages & Equity Injection
Preserving existing ultra-low prime 1st bank mortgages while drawing needed capital for major home renovation, commercial investment liquidity, partner buyouts, or working capital needs.
Construction & Infill Bridge
Short-term debt to acquire unzoned teardowns, service building lots, or bridge drywall-to-occupancy stages when conventional draw mortgages stall on site milestones or permits.
CRA Arrears & Power of Sale Rescue
Discharging federal CRA statutory tax liens, halting notice of sale proceedings, and clearing registered legal judgments through immediate debt takeout, protecting home equity from liquidation.
Private Lending vs. Institutional Banking
Evaluate structural parameters across risk appetites, turnaround horizons, and regulatory constraints.
| Parameter | 101GROUP Private Capital Pool | Tier-1 Schedule A Banks |
|---|---|---|
| Qualification Metric | Property Equity & Asset Location Only | Strict GDS/TDS Ratios, Stress-Test (+2%) |
| Time to Formal Fund | 2 to 5 Business Days | 3 to 6 Weeks (Multiple Audit Steps) |
| Income Verification | Zero (Stated / Self-Declared / Equity-Only) | 2-3 Years T1 Generals, NOAs, Corporate Financials |
| Appraisal Protocol | Desktop or Fast-Track Drive-By Allowed | Full Physical Inspection via Broker Management System |
| Prepayment Flexibility | Fully Open after 3 Months or Custom Clauses | Rigid IRD (Interest Rate Differential) Penalties |
| Exit Strategy Structuring | Integrated 12-Month Plan to Tier-1 Bank Re-Entry | None (Binary Approval or Total Rejection) |
Interactive Bridge Carrying Cost Calculator
Simulate estimated interest-only payments and holding capital required for your short-term private liquidity.
"Every private mortgage MUST have a clearly mapped exit strategy."
Too many private lenders trap borrowers in continuous renewals with escalating fees. At 101GROUP, we operate under a strict fiduciary standard: private capital is a temporary bridge, not a permanent home.
Through our integrated trinity—Real Estate Brokerage, Institutional Mortgage Advisory, and Construction Oversight—we map your 6 to 12 month transition back to prime Tier-1 bank rates simultaneously while funding your private loan.
Immediate asset relief in 48-72 hours.
Renovation lift or financial ratio repair.
Takeout to prime bank mortgage rates.
Confidential Private Loan Intake Dossier
Submit your property and funding details directly to Shan Jahan-Bin and our institutional private underwriting desk for a 24-hour indicative term sheet.
Technical FAQ: Ontario Private Mortgages
What interest rates and lender fees are standard in Ontario private lending? expand_more
Private mortgage rates in Ontario typically correlate directly with lien priority (1st vs 2nd mortgage) and location (GTA urban vs rural). First private mortgages generally range between 7.99% and 9.99%, while 2nd mortgages range between 9.99% and 13.99%.
Standard lender fees are commonly 1% to 2% for 1st mortgages and 2% to 3% for 2nd mortgages, plus administrative legal fees. At 101GROUP, all fees are fully itemized upfront in the formal commitment letter with zero surprise deductions at closing.
Can private mortgages be open for repayment without heavy penalties?
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Yes. Unlike institutional 5-year fixed contracts that carry punishing Interest Rate Differential (IRD) calculations, 101GROUP customizes terms with open prepayment clauses—often fully open after a 3-month initial period, or structured with simple 3-month interest penalty clauses that allow you to exit immediately upon property sale or bank refinancing.
How does 101GROUP structure the exit strategy back to prime A-lenders?
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Our unique position as a dual-licensed Real Estate Brokerage and 8Twelve FSRA Mortgage Desk allows us to underwrite the private loan with the final prime mortgage in mind from Day 1.
During your 12-month private term, we actively coordinate tax returns, resolve statutory liens, oversee completion of renovations that raise market appraisals, or stage the property for sale. When the milestone is reached, our institutional desk transitions the loan to Tier-1 institutional lenders at lowest market rates.
Facing a tight closing deadline in Ontario?
Direct lines open for urgent broker submissions and private borrowers.