Renewing and Refinancing Private Mortgages in Canada
May 3, 2025 | Posted by: Alex Vinarski
What Happens When Your Private Mortgage Term Ends? Private mortgages usually have short terms—6 months to 2 year. At the end of the term, you’ll need to either: Renew the Mortgage ... [read more]
Mortgages for borrowers with bad credit.
April 30, 2025 | Posted by: Alex Vinarski
Mortgage Options for Bad Credit Borrowers Private Lenders: Unlike traditional lenders who place heavy emphasis on credit scores, private lenders primarily assess the value of the propert ... [read more]
Bad Credit Mortgages in Canada: Facts vs. Fiction
April 19, 2025 | Posted by: Alex Vinarski
Think bad credit means no mortgage? Think again. Here's the reality: ✅ Credit score isn't everything - Even some A lenders may approve you with bad credit if you have strong compensating ... [read more]
Private HELOC: Unlocking Home Equity Without Income Verification
April 13, 2025 | Posted by: Alex Vinarski
If you’re a homeowner looking for a flexible way to access the equity in your home without income verification, a private HELOC (Home Equity Line of Credit) might be the solution you nee ... [read more]
What to do when can't get a mortgage for pre-sale purchase
April 6, 2025 | Posted by: Alex Vinarski
Private & B-Lender Solutions for Pre-Sale Closing If you can't qualify with traditional lenders for your pre-sale closing, due to income, credit or short completion time, private and B-lenders of ... [read more]
Can I get a HELOC without income verification?
March 23, 2025 | Posted by: Alex Vinarski
Yes, it's possible to get a HELOC (Home Equity Line of Credit) in Canada without income verification, and even with bad credit. Private lenders can arrange HELOCs based on your home equity rather th ... [read more]
Real case scenario: buying pre-sale condo without income.
March 15, 2025 | Posted by: Alex Vinarski
Real case scenario: buying pre-sale condo without income. Client contacted me last year. She bought pre-sale few years back, completion was delayed by almost 2 years, client already retired and has ... [read more]
Partial Interest Mortgage
March 9, 2025 | Posted by: Alex Vinarski
What is a Partial Interest Mortgage? If you co-own a property and need to access funds without involving the other owner, a partial interest mortgage (also called a 'half interest mortgage ... [read more]
Are Private Mortgages Safe?
March 1, 2025 | Posted by: Alex Vinarski
Private mortgages are generally safe when structured with a clear exit strategy and the means to make payments. However, there are a few things to watch out for to ensure you’re gettin ... [read more]
Overcoming mortgage obstacles
February 24, 2025 | Posted by: Alex Vinarski
Stuck in a mortgage dilemma? Here’s how you can find a way forward! Getting a mortgage can feel like navigating a maze, especially with obstacles like bad credit or self-employment. Here are sim ... [read more]
