A private mortgage is financing provided by private lenders instead of traditional banks, typically used when borrowers need fast approval or do not meet bank requirements.

Private mortgages focus more on property value and equity rather than income, credit score, or strict bank qualifications.

Homeowners, investors, or developers needing fast financing, facing credit challenges, or requiring flexible lending solutions.

Hensey Financial can provide commitment on private mortgages as fast as 1 business day.

Credit is considered but it is not the main factor; property equity is more important.

In many cases, traditional income verification is not required as long as over all story makes sense.

As fast as one business day.

Typically property details, mortgage statements, ID, and an appraisal.( Hensey Financial can make exceptions on appraisals if they can verify the property value itself )

Rates vary based on risk and property, generally higher than bank rates due to flexibility and speed, starting at 7.99%

They are usually short-term solutions, often 12months.

Residential, commercial, industrial, construction, land development, agricultural, and specialty properties.

Yes, we provide both first and second mortgage solutions.

Yes, we finance properties throughout Ontario.

Typically up to 75% LTV in Southern Ontario and 65% in Northern Ontario, depending on property and risk.

Yes, we regularly assist with time-sensitive transactions.

In many cases, traditional income verification is not required as long as over all story makes sense.

Usually yes, to determine current property value.( Exceptions are made on Appraisals, where Hensey Financial can determine the value itself )

In many cases, traditional income verification is not required as long as over all story makes sense.

In many cases, traditional income verification is not required as long as over all story makes sense.

Yes, we can refinance or restructure private loans.

Yes, private mortgages are commonly used for residential homes.

Private mortgages can be approved for self-employed borrowers.

Private lending can provide solutions when banks decline applications.

Yes, many clients refinance to consolidate debt.

Yes, property equity can be used to clear tax obligations.

Yes, financing can pay arrears and stop legal action.

Yes, equity matters more than credit score.

Employment changes are less restrictive with private lending.

Yes, refinancing is often used for partner buyouts.

Yes, refinancing is often used for partner buyouts.

Yes, for residential and commercial/industrial construction.

Yes, including subdivisions and development projects as well as single family homes/luxury large homes.

Yes, apartment construction financing is available.

Yes, we finance commercial development projects.

Yes, single-family construction financing is available.

Funds are usually released in stages based on project progress.

Yes, depending on location and future plans.

Yes, some soft costs may be included.

Yes, many of our clients are builders and developers.

Yes, refinancing options are available upon project completion.

Yes

Yes

Yes, including multi-residential properties.

Yes, we finance specialty commercial properties including gas stations.

Yes.

Yes, agricultural and rural properties can be financed.

Yes.

Yes, private lending is often used for complex or unique properties.

Yes, subject to equity and recovery potential.

Yes.

Yes, we specialize in assisting clients in these situations.

Funding can often be arranged very quickly to stop proceedings.

Yes, refinancing may allow time to recover financially.

We can help refinance or restructure debt.

Yes, refinancing can clear arrears.

Yes.

Yes, refinancing may resolve liens or arrears.

Yes.

Often yes, depending on timing.

Contact us as early as possible to explore solutions.