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Author: IWL

  • Private Mortgages for Nurseries and Garden Centres

    Private Mortgages for Nurseries and Garden Centres

    Nurseries and garden centres are a type of commercial land use we lend against. Here is how private financing works for them.

    Lending against horticultural operations

    Plant nurseries, garden centres, and similar horticultural operations are operational commercial properties that can serve as security for a private mortgage.

    What we consider

    We look at the property’s use, condition, and any income, alongside the requirement that it is built and fully zoned for its current operation.

    Fast, flexible funding

    Private lending can move quickly, which is valuable for seasonal businesses and time-sensitive needs.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages for Wineries and Agri-Commercial Property

    Private Mortgages for Wineries and Agri-Commercial Property

    Wineries and similar agri-commercial operations are part of the commercial land we lend against. Here is how it works.

    Agri-commercial operations

    Wineries and comparable agricultural-commercial properties combine land, buildings, and an operating business. We lend against them when they are built and operating.

    What we assess

    We consider the property’s use, condition, and income, and require that it is fully zoned for its current use with no outstanding work or permits.

    Why private lending works

    These properties are specialized and time-sensitive, which makes private lending’s flexibility a good fit.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages for the Self-Employed in Ontario

    Private Mortgages for the Self-Employed in Ontario

    Self-employed borrowers often have strong finances that do not fit a bank’s rigid income tests. Private lending takes a different approach.

    Why banks struggle with self-employment

    Banks rely heavily on standard proof of income, which does not always reflect the real financial picture of a business owner or freelancer.

    How private lenders look at it

    Private lenders focus on the property and your overall situation, which makes it possible to fund deals a bank would decline based on income documentation alone.

    What to have ready

    Be ready to share details about the property and your plan. As always, seek advice from licensed professionals before deciding.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages When You Have Bruised Credit

    Private Mortgages When You Have Bruised Credit

    A less-than-perfect credit history does not have to stop you from accessing financing. Private lending looks at more than just your credit score.

    Credit is only part of the picture

    Where a bank may decline based on credit alone, a private lender weighs the property and your overall situation, which can open the door to financing.

    Secured by real estate

    Because a private mortgage is secured against your property, the property itself plays a central role in the decision.

    A short-term step

    Private mortgages are often a short-term bridge that gives you time to improve your position and move toward longer-term financing. Plan your exit and seek professional advice.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages for New Canadians and Newcomers

    Private Mortgages for New Canadians and Newcomers

    Newcomers to Canada often have the means to borrow but lack the long local credit history that banks require. Private lending can help bridge that gap.

    The newcomer challenge

    Building a Canadian credit profile takes time, and banks often rely on it heavily, which can make financing difficult in the early years.

    A property-focused approach

    Private lenders focus on the property and your overall situation rather than years of local credit history, making financing more accessible.

    A bridge to the future

    A private mortgage can serve as a short-term solution while you establish yourself. As always, seek advice from licensed professionals.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages for Small Business Owners

    Private Mortgages for Small Business Owners

    Small business owners often need capital quickly, and the equity in a property can be a powerful source. Here is how a private mortgage can help.

    Turning property equity into capital

    If you own a property with equity, a private mortgage can convert that value into funds you can use for your business.

    Speed when it matters

    Business opportunities and needs are time-sensitive. Private lending can often be arranged in days, far faster than traditional financing.

    Plan the use and repayment

    Have a clear plan for how the funds will be used and repaid, since private mortgages are typically short-term.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • How a Private Mortgage Can Help Stop a Power of Sale

    How a Private Mortgage Can Help Stop a Power of Sale

    If you are facing a power of sale, acting quickly is critical. A private mortgage can sometimes provide the funds needed to resolve the situation.

    What a power of sale means

    A power of sale is a process a lender can use when a mortgage falls into default. It moves quickly, so time is of the essence.

    How a private mortgage can help

    Fast private financing may provide the funds to bring the existing mortgage current or refinance, helping you protect your property while you arrange a longer-term solution.

    Act early and get advice

    The sooner you act, the more options you are likely to have. Speak with a licensed professional and reach out to discuss your situation.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Private Mortgages for Landlords and Rental Property Owners

    Private Mortgages for Landlords and Rental Property Owners

    Landlords and rental property owners can use private mortgages to put the equity in their properties to work. Here is how.

    Borrowing against a rental

    A private mortgage can be secured against a rental property, letting you access equity without selling the asset.

    Common uses

    Owners use the funds for repairs and improvements, to cover deposits or carrying costs, or to act on a new investment opportunity.

    What we require

    The property must be built and fully zoned for its current use. We consider its condition, location, and income when structuring the loan.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • Refinancing Your Property with a Private Mortgage

    Refinancing Your Property with a Private Mortgage

    Refinancing replaces or adds to your existing mortgage, and a private mortgage can be a fast, flexible way to do it. Here is what to know.

    What refinancing means

    Refinancing involves replacing your current mortgage or adding new financing against your property, often to access equity or change your terms.

    When private refinancing makes sense

    Private refinancing is useful when you need to move quickly, when a bank cannot help, or when you need a short-term solution while you reorganize your finances.

    Plan your exit

    Because private mortgages are typically short-term, have a plan to repay or move to longer-term financing, and seek professional advice.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.

  • How Loan-to-Value Affects Your Private Mortgage

    How Loan-to-Value Affects Your Private Mortgage

    Loan-to-value, or LTV, is one of the most important numbers in any mortgage. Here is what it means for a private mortgage.

    What is loan-to-value?

    LTV is the loan amount as a percentage of the property’s value. For example, a $300,000 loan on a $500,000 property is a 60% LTV.

    Why it matters

    LTV reflects how much equity supports the loan. Lower LTVs generally mean lower risk, which can influence the terms available to you.

    How it shapes your options

    The amount you can borrow privately depends in part on your property’s value and any existing mortgages. We will walk you through the numbers for your situation.

    Ready to talk?

    If this fits your situation, start your application or contact us and we will help you understand your options across Ontario.

    This article is for general information only and is not financial, legal, or investment advice. Please consult a qualified, licensed professional before making any decision.