Private Lending

At Mortgage On Time, we differentiate ourselves from the market because of the excess access of funds we have from our private lenders. Private funds may be used for residential or commercial mortgages.

Private mortgages operate differently from banks and other mortgage lenders on many levels. As the application process with private funds are more focused on the actual property and not the individual.

While private funds may be used for a first mortgage, one of the most popular borrower uses of private funds is for second mortgages. A second mortgage can supplement bank financing. If qualified funds may be used for a third mortgage as well. Private mortgages can be approved and advanced as quick as a 48 business hours turnaround.

Please contact us for our competitive private fund rates and fees.

In five years, your life can change a lot and we understand that. At Mortgage On Time, we will take you through our renewal process to make sure that you get a low rate but also the right mortgage. We will talk goals, future plans and about those big life moments to make sure that your mortgage is compatible to your life.

We understand that this purchase might be the biggest financial decision of your life and we take that seriously.  Mortgage On Time mortgage brokers are here to walk you through every step of the process and make sure you have peace of mind that you are making the right decision when getting a mortgage.