What is the maximum LTV for private lenders?
Updated: February 28, 2026CanadaFAQPrivate lending
Quick Summary
Many private lenders consider roughly 65% to 80% LTV, but the practical maximum depends on the property, location, and your exit plan.
LTV is a risk decision tied to how confident a lender is in the property value and the exit.
What pushes LTV higher or lower
- Location and property liquidity (how easy it is to sell).
- Condition and property type.
- Strength of the exit plan and borrower profile.
- Existing debts and the total combined LTV, especially with second mortgages.
Important detail
Even if you are approved at a higher LTV, fees can reduce your net proceeds. Always review the net-advance statement, not just the approved loan amount.