Private Lending in Montreal

Looking for a private mortgage in Montreal? The average home price is $520,000. We connect you with top local private lenders.

Private Mortgage Rates Overview

View current rates and terms for different loan types. Select your province for accurate information.

First Mortgages

Primary financing for your property purchase or refinance.

Interest Rate
5.95% - 8.99%
Max LTV85%
Lender Fee0.75% - 4%
Broker Fee0.75% - 4%
Term1 - 3 years
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Second Mortgages

Access equity without breaking your first mortgage.

Interest Rate
8.00% - 11.99%
Max LTV90%
Lender Fee2% - 3%
Broker Fee2% - 3%
Term1 - 3 years
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Construction Loans

Financing for building or major renovations.

Interest Rate
9.99% - 14.50%
Max LTV80%
Lender Fee1.75% - 3%
Broker Fee1% - 3%
Term3 years
Min Down Payment20% - 30%
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Bridge Loans

Short-term financing to bridge the gap between buying and selling.

Interest Rate
Prime + 2% to + 5%
Max LTV80%
Lender Fee$400 - $500
Broker Fee1% - 2%
Term3 - 6 months
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Disclaimer: Your actual rates depend on your credit score, income, debt ratio, property value, and current market conditions. Rates are illustrative only—NOT an offer or commitment. Verify with a licensed professional.

Why Choose Private Lending in Montreal?

The real estate market in Montreal is dynamic. Many homeowners have significant equity but may not qualify for traditional bank financing due to self-employment, credit issues, or income verification challenges. Private lenders focus primarily on the property value and equity, rather than your credit score.

Related Areas

Explore other private lending pages in QC.

View Quebec province hub

Related Guides

Read localized guides on approvals, costs, and exit planning.

Calculators & Tools

Estimate payments, LTV, and total costs before you apply.

Sarah

Private Mortgage Intelligent Assistant

Mortgage AI trained on Canadian private mortgage expertise

Quick Questions

Disclaimer: This tool provides general education only—NOT professional advice, personalized to your situation, or a mortgage offer. Responses may be inaccurate or outdated. DO NOT submit: government IDs, full card numbers, SINs, or health info. Always verify with licensed professionals before making decisions. By using this tool, you accept these limitations and responsibility for your decisions.