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Do you want a quick and hassle-free mortgage?

A private mortgage might just be what you are looking for. With fewer formalities and increased convenience, a private mortgage lender from Toronto’s CMB, can be the perfect savior in times of financial needs.

What is a Private Mortgage?

Offered by individuals or businesses which are not financially registered – or financial institutions you wouldn’t think of traditionally – you have the lender ready to offer a loan to you on a particular interest and other repayment conditions.
While you would be paying higher interest rates than you would conventionally do, the benefits over traditional mortgages are many – especially if you’re in urgent need of some cash.

Why would You go for Private Mortgage?

Here is a look at why it might help you.

  • 1. Helps You Get The Money When You Need It
  • Banks and traditional financial institutions aren’t open round the clock. Additionally, they have stringent rules and restrictions, which can make it difficult if not impossible to secure a loan.
    For example, you may be turned down for being a self-employed person or having a bad credit. Toronto private mortgage lenders have flexible terms and fewer restrictions which mean you can get the loan easily.

  • 2. The Interest May Be Near to What Your Bank Offers
  • Banks also levy high fees for processing your mortgage. You can eliminate high costs by through the private way – and at times, your interest rate could even be lower than what you would get otherwise.

  • 3. Offers You The Flexibility You Need
  • Expect greater flexibility, and high approval rates with less processing time – often in minutes – giving you access to funds when you need it most. You can go in for your bank later, when are out of the situation.

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When Should You Go In For a Private Mortgage?

  • Funding construction projects and property renovations
  • Securing an alternative financing strategy to stop foreclosure mortgage
  • Consolidate debt to improve credit score and cash flow
  • As an alternative capital source for entrepreneurs
  • Investment for commercial properties
  • An income supplement for self-employed people who are not able to meet their financial needs
  • As a source of bridge financing
  • Securing fast funds to avail an opportunity with a fixed deadline
  • Make funds available to pay off previous mortgages to improve credit score and write off debt

Tips for getting a Private Mortgage

You need to adopt some precautions when you are getting money from a private mortgage lender. Use the following tips to have a successful and reliable deal.

  • Official Agreement
    Always make an official agreement and get it down in writing before getting the mortgage. Use promissory notes for the agreement and get it registered with the local authorities.
    It will secure the loan and act as a foundation if some problem arises.
  • Terms of Repayment
    Decide and follow the terms of payment. Don’t forget to agree upon interest rates should you happen to miss a payment. Alternatively, look for the possibility to restructure the debt in other ways later.
    The interest rate is also a crucial factor and you need to fix it before finalizing the mortgage.

Google Reviews

Certified Mortgage Brokers
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Afton Jaskolski

Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!

Davin Mills

There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases

Tracy Wilhoite

I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.

Ryder Turcotte

My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!

Lucy Zimmerman

Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.

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