Private Mortgage Investing · Ontario, Canada
Earn 9–14% Returns Secured by Ontario Real Estate
Deploy capital into first and second position mortgages backed by registered charges on residential and commercial properties across Ontario.
Deal Structure Walkthrough · 6 mins
Private Lending Explained
The Fundamentals
What Is Private Mortgage Lending?
Private mortgage lending fills the gap between traditional bank financing and borrower needs. When banks decline or can't move fast enough, private capital steps in — secured by registered charges on real property.
You become the lender. Your capital is protected by a legal charge registered on title. The borrower pays monthly interest. At maturity, they repay principal through refinancing, sale, or renewal.
Every deal is underwritten individually. Every property is independently appraised. Every mortgage is registered through a licensed Ontario lawyer.
Who Borrows
Common Borrower Profiles
Private lending isn't for distressed borrowers — it's for creditworthy individuals in circumstances banks won't accommodate.
The Process
How Private Lending Works
Deal Structure Walkthrough · 6 mins
Investment Options
Types of Deals
First Position Mortgage
You are the primary lender. Your charge is registered first on title, giving you absolute priority in the event of default.
Example Structure
Investment Returns
Returns & Structure
Fixed-rate secured returns on residential and commercial first mortgages. Consistent interest on committed capital.
Subordinate security. Higher yield compensates for position. Strong equity requirement required.
Fixed monthly interest during project duration. Disbursed on completion or refinance.
Payment Structure Options
Receive interest payments on the 1st of each month. Predictable, passive income.
Interest paid in quarterly installments. Common on commercial deals.
Interest compounds. Principal plus all interest paid at maturity. Higher total return.
Investor Protection
Risk & Protection Layers
We lend 60–75% of assessed values on first mortgages. That means 25–40% equity cushion protects your capital even if property values decline.
Every deal is reviewed by a licensed Ontario real estate lawyer. Title search, lien check, mortgage registration — all handled by legal counsel, not us.
We don’t set values. Every deal includes a third-party appraisal by an accredited Ontario appraiser. You see the full report before funding.
If a borrower defaults, you have legal authority to initiate power of sale proceedings. Your mortgage is a registered charge — enforceable under Ontario law.
No pooled returns. No blind pools. You review every deal individually. You decide which mortgages to fund. Full transparency on every property, borrower, and exit strategy.
Legal Framework
Your Legal Security Position
Your mortgage is registered on title in Ontario’s electronic land registration system. Publicly recorded. Legally enforceable.
Protects against defects, fraud, survey issues, and undisclosed liens. Policy remains in effect for life of mortgage.
First mortgages have priority over all other charges except property taxes. You get paid first in any sale or refinance scenario.
If borrower defaults, you can force sale of property without going through foreclosure in court. Faster recovery of capital.
Real Example
Actual Deal Breakdown
Deal Structure Case Study
The Property
Appraised Value
Borrower Profile: Self-employed contractor. Strong income, recent credit event. Clear exit via bank refinance in 12 months.
The Structure
Primary Exit: Borrower refinances with A-lender at 12 month mark. Credit rehab complete.
Secondary Exit: Strong market demand in Kitchener. Property listed at $725K if needed.
Renewal: If borrower needs more time, mortgage can renew for additional 6–12 months at investor discretion.
Outcome: Borrower refinanced with TD Bank at month 11. Investor received $500,000 principal + $48,125 interest. Total hold period: 11 months. Annualized return: 10.5%
Investor Profile
Who This Is For
Next Steps
How to Get Started
30-minute conversation to discuss your goals, risk tolerance, and capital availability.
We send you 2–3 recent deal packages. You see exactly what we underwrite and how deals are structured.
Complete investor profile, KYC documentation, and legal agreements. One-time setup.
We present live opportunities. You choose which deals to fund. Capital deployed within 7–10 days.
No obligation. No pressure. Just a conversation about whether this fits your portfolio.
Common Questions
Frequently Asked Questions
Ready to Explore Private Lending?
Book a 30-minute call with Michael Fox. No sales pitch. Just an honest conversation about whether private mortgage investing fits your portfolio.
Your information is kept strictly confidential. We will contact you within one business day.
Michael Fox · Mortgage Agent, Level 2 · BRX Mortgage · FSRA #13463. Private mortgage investments carry risk. There is no guarantee of returns or return of principal. Past deal outcomes do not predict future results. This page is for informational purposes only and does not constitute investment advice. Investments are not insured by CDIC or any government agency.