Legal structure and representation for private mortgage borrowers and lenders across Ontario.
Book a free consultationPrivate mortgages — loans from individual lenders rather than banks — require careful legal structure to protect both borrowers and lenders. Interest rates are typically higher than bank mortgages, but qualifying criteria are more flexible, making them useful for borrowers who don’t qualify for conventional financing.
For borrowers, we review the loan terms, explain the risks, and ensure the mortgage is properly registered. For lenders, we prepare the loan documents, conduct title searches, arrange title insurance, and handle registration.
Private mortgages are also subject to Ontario’s Mortgage Brokerages, Lenders and Administrators Act, which imposes specific disclosure and conduct requirements. We ensure compliance with all applicable regulations.
Experienced real estate lawyers who handle private mortgages regularly.
Clear, transparent pricing. You know the full legal cost before you commit.
We handle title searches, document prep, and closings efficiently so your deal stays on schedule.
Thousands of successful residential and commercial real estate transactions across Ontario.
You work directly with a lawyer, not a junior assistant. Clear answers when you need them.
A private mortgage is a loan secured by real estate from an individual or private corporation rather than a bank. They typically have higher interest rates but more flexible qualifying criteria.
Yes, but they’re regulated under the Mortgage Brokerages, Lenders and Administrators Act. Both lenders and brokers must comply with licensing and disclosure requirements.
Typically 1–2 weeks once legal instructions are received — faster than a bank mortgage in most cases.