Private Mortgages 
Private Mortgages in Canada
When the Banks Say No
Not every borrower fits neatly into a bank’s checklist, and that’s where private mortgages come in. Whether you’ve been turned down due to income structure, credit issues, or tight timelines, Niche Mortgages offers flexible, fast solutions backed by a trusted network of private lenders across Canada.
We help clients access short-term or interest-only private mortgage loans designed to bridge financial gaps, fund urgent needs, or complete real estate purchases that don’t qualify for traditional financing.
Who We Help For Private Mortgages
Private mortgages are designed for people who don’t meet the strict criteria of traditional banks but still need flexible, reliable financing. At Niche Mortgages, we work with a wide range of clients who need short-term mortgage solutions, fast approvals, or help overcoming income or credit challenges.
Business Owners with Low Declared Income
Many self-employed clients reinvest most of their profits back into their business and don’t draw a large personal income, which can make it difficult to qualify with traditional lenders. However, if you have strong bank deposits, healthy retained earnings, and up-to-date financial statements, we can help.
Borrowers with Bad Credit
Whether you’ve had collections, missed payments, high credit card usage, or a bankruptcy, we work with lenders who look beyond your credit history and focus on your future.
Pre-Sale Buyers Who Can’t Close
If your financial situation has changed since you bought your pre-sale and you can’t qualify for a regular mortgage, a private loan can help you complete the deal, so you don’t lose your deposit or face penalties.
Clients Who Need a Short-Term Mortgage
Looking to flip a property, access equity quickly, or bridge a temporary income gap? A private mortgage can offer the flexibility and speed traditional banks simply can’t match.
Why Work with Niche Mortgages For Your Private Mortgages?
Access to a Large Private Lender Network
More options to match your risk level
Multilingual Service
We speak English, Cantonese, and Mandarin
Licensed Across Canada
We can help with properties in BC, Alberta, Ontario & more
Get a Private Mortgage That Fits
Don’t let tax returns, credit history, or bank policies stand between you and the funding you need. Our private mortgage solutions are built for real people in real situations with fast turnaround and clear guidance every step of the way.
Frequently Asked Questions About Private Mortgages
Private mortgages can be a smart solution when traditional lenders say no, but they come with their own set of rules. Here are some of the most common questions our clients ask before getting started.
Our Professional TeamA private mortgage is a short-term home loan provided by an individual or private company rather than a traditional bank. It’s designed for borrowers who don’t qualify under conventional lending rules due to income structure, credit history, or tight timelines.
Private mortgages are ideal for self-employed borrowers, business owners, people with credit issues, or buyers who need quick financing, such as those closing on a pre-sale property or looking to flip real estate.
Most private mortgages are short-term typically 6 to 24 months. They’re meant to serve as a temporary solution while you improve your financial situation or transition to long-term financing through a traditional lender.
No. Private lenders focus more on the value and equity of the property, not just your credit score. Even if you’ve had collections, high debt, or a past bankruptcy, you may still qualify.
In most cases, we can secure approval within 24–72 hours. Because private lenders have more flexible guidelines, the process is often much faster than with banks.
Have Questions? Get in Touch with Our Team!
If you need expert advice or have any questions, contact us today. We're here to help with all your mortgage needs.
Vancouver Mortgage Solutions