Good questions deserve clear answers.

A loan secured against real property and funded by a private individual or non-bank lender. Property value and equity matter, alongside the lender’s assessment of the borrower, payment ability, purpose, and repayment plan.

No. Property location and type, existing debt, affordability, documentation, title, and the proposed exit strategy can all affect the decision. Only the lender can issue a commitment after reviewing a file.

Compare interest, lender and brokerage fees, appraisal and legal costs, net funds received, payment requirements, renewal charges, and the amount due at maturity. An advertised interest rate is only one part of the cost.

An inquiry is the start of a review. Appraisal, title, legal work, required documents, and lender conditions affect timing. A closing date should only be discussed once those requirements are understood.

A renewal is not guaranteed. A lender may reassess the property, outstanding balance, payment history, and repayment plan. New rates, fees, or conditions may apply.

This website’s initial contact request does not run a credit check. Any later credit review and its consent requirements must be explained by the actual provider before it takes place.

The website team receives a request for follow-up. Before you begin a financing application, confirm the name and authorization of the brokerage or lender, the provinces it serves, and who will receive your information.

No universal availability is promised. Lender appetite, property characteristics, and professional authorization differ by province and location. The locations guide explains what to confirm before proceeding.