Fast, flexible, equity based private home loans arranged across Ontario since 1989.
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Trillium Mortgage arranges private residential mortgage options for homeowners, buyers, investors, and borrowers who need equity based approval outside traditional bank requirements.
Private residential mortgages arranged through Trillium Mortgage are approved using an equity based approach. For refinances, lenders focus on the value of the property and available equity after existing mortgages. For purchases, approval is based on the property value and the buyer’s down payment position.
Private mortgage options for detached houses with available equity, down payment strength, or property value.
Flexible private financing for semi detached homes when bank income or credit standards do not fit.
Equity based mortgage solutions for townhomes, row houses, and attached residential properties.
Private condo mortgage options for owners and buyers needing approval based on property value.
Private mortgage support for condo townhomes where equity, down payment, and property strength matter.
Residential private lending options for cottages and seasonal properties across Ontario.
Financing solutions for vacation homes and secondary residences using private lender flexibility.
Private residential mortgage options for rental homes and investor owned residential properties.
Equity based financing for residential investment properties, portfolio needs, and cash flow situations.
Private lending can help borrowers dealing with bad credit, tax arrears, property arrears, or mortgage arrears.
Trillium Mortgage helps Ontario borrowers qualify through property value, available equity, down payment strength, and practical repayment ability.
Private lenders can review the property value, location, and buyer down payment when traditional mortgage approval is difficult.
For refinances, approval can be based on available home equity after existing mortgages, liens, taxes, or arrears are reviewed.
Credit history is reviewed, but it does not need to be the deciding factor when there is enough property equity.
Self employed clients may qualify without standard pay stubs when bank statements, assets, or cash flow support the file.
Traditional income documents are not always required when the mortgage can be supported through equity and repayment ability.
Borrowers without current employment may still be reviewed if the property, equity, and exit strategy are strong enough.
Private refinance options may help address mortgage arrears, income tax arrears, property tax arrears, or urgent debts.
Approvals and funding can often move within 24 to 48 hours when the property details and supporting information are ready.
Trillium Mortgage helps Ontario borrowers access practical private lending options when credit, income, timing, property type, or traditional bank rules create approval challenges.
Private lenders may review equity, property value, and exit strategy when traditional banks say no.
Access a wide Ontario private lending network for more options on hard to place mortgage files.
Time sensitive mortgage situations can be reviewed quickly when urgency, arrears, or deadlines matter.
Residential, commercial, rural, industrial, construction, land, and development files can be considered.
Borrowers with bad credit, unprovable income, arrears, or complex situations may still have options.
Trillium Mortgage focuses on private mortgage solutions for Ontario borrowers who need practical financing outside standard bank approval models.
See what Ontario borrowers have shared about their experience working with Trillium Mortgage for private lending, refinancing, equity based mortgages, and complex approval situations.
Clear answers for Ontario borrowers looking at private mortgages, refinancing, home equity, construction financing, and urgent lending options.
Yes. Even with poor credit or collections, you can qualify through private mortgage lenders who base approvals on your home equity, not your credit score. These lenders focus on property value and location instead of your credit history.
Get StartedYes. A refinance or home equity take out can pay off arrears, CRA debts, or property taxes and stop a power of sale before it progresses.
Get Started With A Free ConsultationBanks rely on strict credit and income criteria. Private lenders use equity based lending, focusing on property value, location, and loan to value ratio, allowing flexible approvals when banks say no.
Get Started With A Free ConsultationYes. Private and alternative lenders use equity based lending, meaning your approval depends on your property’s value and available equity rather than your credit score or income verification.
Get Started With A Free ConsultationYou’ll typically need property details, recent mortgage statement, property tax bill, and valid ID. Income proof is optional because your property’s equity determines approval.
Get Started With A Free ConsultationA Home Equity Line of Credit gives you revolving access to funds, while a refinance provides a single lump sum payment from your home’s equity.
Get Started With A Free ConsultationYes. A private refinance can immediately pay arrears and stop a power of sale or foreclosure, preserving your ownership before the process completes.
Get Started With A Free ConsultationThese progress draw loans release funds in stages as work is completed. Private lenders simplify approvals and financing for custom builds or major renovations.
Get Started With A Free ConsultationYes. Trillium Mortgage regularly secures commercial mortgages for business owners and investors with bad credit or past financial challenges. We arrange financing for multi unit, retail, office, and industrial properties even if banks have turned you away. Every deal is structured to rebuild your credit while keeping your business moving forward.
Get Started With A Free Consultation