Private Mortgage Lending in Ontario
Fast, flexible mortgage financing — secured by real estate
InterestWealth Lending connects borrowers who need quick, flexible financing with investors seeking strong, real-estate-backed returns. First and second mortgages on residential and commercial property across Ontario, arranged with speed and discretion.
Funds in days · Flexible terms · Confidential process
Our track record
$200M+
in private mortgages funded since inception
200+
files funded
Funded in days
Skip the weeks-long bank process. We move quickly so you can act on time-sensitive opportunities.
Flexible terms
Loan amounts, repayment schedules, and structures tailored to your situation — not a rigid checklist.
Secured by property
Every loan is backed by real estate, giving borrowers a clear path and investors real collateral.
For Borrowers
Financing when timing matters most
Whether you are bridging the sale and purchase of a property, funding renovations, or consolidating debt, our private mortgages give you quick access to capital with terms built around your circumstances — including situations where traditional lenders can’t help.
First Mortgages
A secured, first-priority loan against your property. Because the first mortgage takes precedence over other claims, it offers stable, straightforward financing for your primary borrowing needs.
Second Mortgages
Additional capital on top of your existing mortgage — ideal for renovations, debt consolidation, or unlocking equity. A flexible option backed by competitive terms when you need more room to move.
What We Fund
Residential and commercial properties
We provide first and second mortgages secured against both residential and commercial real estate, across a wide range of property types.
Residential
Houses, condominiums, and other residential properties that are already built and ready to go.
Commercial
Retail plazas, retail units, and industrial buildings, as well as commercial land such as parking yards, nurseries, and wineries.
One requirement: clear zoning
We fund properties that are already built and fully zoned for their current use, with no outstanding work and no permits pending. We do not lend on properties that are in the process of being rezoned, or that have any zoning or permit work still to be completed.
For Investors
Earn strong returns, secured by real estate
Diversify your portfolio with private mortgage investments that target approximately 7–11% annual interest. Invest as a standalone lender or pool with others in a syndicate — every position is secured against residential or commercial real estate.
First Mortgages · ~7–8% target
First-priority positions hold the first claim on the property, making them the more conservative option. A steadier, secured way to put your capital to work.
Second Mortgages · ~9–11% target
Second-priority positions carry more risk but target higher returns. A compelling option for investors seeking to maximise yield on real-estate-secured loans.
How it works
1
Get in touch
Reach out with your needs — the property, the amount, and your timeline. A quick conversation tells us how we can help.
2
Review & terms
We assess the property and your situation, then propose clear, flexible terms with no hidden surprises.
3
Funding & close
Once terms are agreed and documents are in place through our lawyer, funds are advanced — often within days.
Why choose InterestWealth Lending
Speed
Decisions and funding measured in days, not weeks — so you never miss an opportunity.
Flexibility
Terms shaped around real situations, including borrowers who fall outside rigid bank criteria.
Security
Every loan is secured by real property, protecting both borrowers and investors.
Discretion
Your personal and financial information is handled with strict confidentiality at every step.
Ready to take the next step?
Whether you are looking to borrow or to invest, our team is ready to help you reach your financial goals.