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Everything You Need to Know About Private Mortgages in Montreal.
At Stormridge Capital, we believe transparency builds trust. Whether you’re a first-time borrower, experienced investor, or broker looking to help a client, this FAQ section explains how private lending works, when it’s useful, and what you can expect when working with us.
The loan amount depends primarily on your property’s value and any existing mortgages. At Stormridge Capital, we offer private mortgage loans in Montreal and across Quebec ranging from $50,000 to $3,000,000. We typically lend up to 75% of the property’s market value (Loan-to-Value or LTV), depending on the location, condition, and type of property.
This approach allows us to help clients who may not qualify for traditional financing due to credit, income, or timing issues.
We provide funding on a wide range of residential and investment property types, including:
If the property has equity and is located in Montreal or the surrounding areas, we can likely work with it.
Our private mortgage terms range from 3 to 36 months, designed as short-term, interest-only solutions. This provides flexibility while giving you time to refinance with a traditional lender, sell the property, or complete a project like a renovation or flip.
We also offer term extensions on a case-by-case basis.
Rates for private mortgages depend on the property, location, loan amount, and perceived risk — but they’re always clearly disclosed before funding.
Rates typically range from 10%–14% annually
Lender and broker fees range from 3%–5%, usually deducted from the loan
Appraisal, notary, and legal fees apply like any other mortgage
We do not charge upfront or hidden fees. Everything is outlined in the loan commitment before closing.
We take your privacy seriously. Whether you’re a borrower or a referring broker, your information is kept strictly confidential. All applications are processed through secure encrypted channels, and we never share your file without consent.
A private mortgage is a loan offered by a non-bank lender, usually secured against real estate. These loans are especially useful when a borrower:
Rather than relying on a credit score or pay stubs, Stormridge Capital evaluates the equity in your property, the intended use of the funds, and the overall risk of the loan.
Banks require rigid documentation — T4s, tax returns, high credit scores, and long approval times. As a private lender in Montreal, we make decisions based on your property’s value and urgency.
Here’s how we’re different:
While we don’t report to credit agencies like traditional banks, a private mortgage can:
It’s a strategic short-term tool, not a long-term solution — but it can preserve or improve your financial outlook when used properly.
Yes. We regularly approve files for self-employed borrowers who don’t have formal income documentation. Our lending process is designed to work with real-world borrowers, including:
Our private loans are flexible and can be used for:
We also offer second mortgages behind an existing loan for clients who don’t want to refinance their entire mortgage.
Absolutely. Stormridge Capital is a broker-friendly private lender in Montreal, and we understand how important it is to protect your client relationship. We:
You bring us the file — we help you close it, and your client gets the financing they need.
We aim to provide a conditional offer within 24 to 48 hours after receiving basic property info. With the necessary documents and a notary in place, we can close most private loans within 5–7 business days.
Yes. We pay referral fees to licensed mortgage brokers and trusted industry partners. All files are protected, and we can sign a broker agreement upon request to formalize your compensation.
Yes. Our most common urgent files involve:
If your deal is in trouble, send it to us and we’ll provide an answer fast.
Private lending is an alternative to borrowing from a traditional bank. Instead of focusing on credit scores or income documents, we look at what you already have — your property.
At Stormridge Capital, we provide short-term mortgage loans (3 to 36 months) secured by your home or investment property. These loans are ideal when you:
Getting funded is simple. Our streamlined process cuts through delays and paperwork, so you can access the capital you need—fast.
01
You apply online or through your broker
02
We evaluate your property’s value
We issue a fast approval (often in days)
You receive the funds and make monthly interest-only payments
You repay or refinance at the end of the term
| Feature stormridge capital | (Private lending) | Banks |
|---|---|---|
| Credit score needed? | ❌ No | ✅ Yes |
| Income documents? | ❌ Not required | ✅ Required |
| Approval time | ⚡ A few days | 🕓 Weeks or more |
| Use of equity | ✅ Yes | ❌ Limited |
| Ideal for | Fast funding, flexible term | Long-term, full-doc loans |
Visit our full FAQ above or contact us to speak to a lending specialist about your situation.
We’re here to help — even when the bank says no.
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