While some brokers and banks may decline your application due to any of these circumstances, Rick will not be satisfied until he has helped you out. Whether it’s your first, second or third mortgage, or an emergency mortgage, he will help you compare rates and select the product that best fits your needs.

The private mortgage lenders on our side are people just like you and me. They choose to invest in mortgages instead of the stock market for a variety of reasons. In addition to wanting to make a good profit, they also share this common goal: to help people that are experiencing credit or income issues caused by factors beyond their control. These lenders understand the needs of homeowners both prospective and current.

Our short-term private mortgage loans range from six months to three years, depending on your property that will serve as the collateral. Rather than assessing your credit history to determine whether or not you qualify for the loan, the lender will simply consider the value and equity of your property. This offers ease of access and a level of convenience that make private lenders sought-after among many homeowners as well as professional real estate investors who want to purchase, renovate and eventually sell a property for a higher price.

If you are a Canadian planning to invest in a new home or refinance your mortgage but do not qualify for conventional mortgage financing, you don’t need to look any further or try your luck with the nearest bank or any other lending institution.

With a private mortgage lender, you’ll have fast and easy access to the most suitable financing without the usual documentation that banks and traditional institutions require. Even if your situation involves poor cash flow, bad credit, pension and disability, mortgage arrears, or property tax arrears, we are here to offer guidance and assistance.

Even if you are self-employed, unemployed, have filed for bankruptcy, or lack some financial documentation, Rick Vaughan and our team of experts at CTMS will help you find the perfect mortgage solution that meets your needs and gives you peace of mind.