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Canadian Private Mortgage - About
Easy access to private equity from Canadian lenders vetted and licensed in four provinces.
Category 01
Category 02
Category 03
Mortgage Rates
as low as
3.99%
Loan To Value
up to
85%
Established
since est.
2008
Easy Approval Process
Conversation
Application
Approval
Matrix Mortgage Global
5X Award Winning Mortgage Brokerage
2018 - 2022 Brokerage Of The Year
Canada's Mortgage Company
Recognized by Canadian Mortgage Awards
Recognized by Governing Bodies
RECA, FSRA, BCFSA
Proven Track Record of Growth & Excellence
Since est. 2008
Access our curated list of private equity lenders specializing in alternative residential and commercial mortgages.
Matrix Money
With today’s difficult mortgage market, many consumers turn to us when lenders have turned them away. Our Matrix Money allows clients with an excellent repayment history to apply for a mortgage at low rates. As one of the most flexible programs available, clients have options when it comes to renewal and refinancing each time they need more money for home improvement or unexpected expenses on other bills. There are volume bonus incentives available exclusively through our Matrix Money program.
Money 65
65% Loan-To-Value, Min. 600 beacon score
| Term | Rate | Commitment Fee |
| 1 Year | 5.24% | 3.00% |
| 2 Year | 5.14% | 3.00% |
Money 75
75% Loan-To-Value, Min. 620 beacon score
| Term | Rate | Commitment Fee |
| 1 Year | 5.99% | 3.00% |
| 2 Year | 5.99% | 3.00% |
Money 80
80% Loan-To-Value, Min. 620 beacon score
| Term | Rate | Commitment Fee |
| 1 Year | 6.99% | 3.00% |
| 2 Year | 6.99% | 3.00% |
Terms & Conditions
| Income Verification | Reasonability |
| TDS | Max 50% (using posted rates) |
| Max. Mortgage Amount | $750,000 (with $1,000,000 in GTA & GVA) |
| Occupancy Type | Owner-occupied (rental up to 4-plex under 1 title with 1 unit owner-occupied) |
| Max. Amortization | P&I payments up to 35 years or interest-only payments |
| Valuation | From the approved appraisal list |
| Inspection | Not required |
| Prepayment Penalty |
1 year - open on 3 months interest 2 years - open on 4 months interest |
Location
BC, AB, ON
| Property Type | 65% LTV | 75% LTV | 80% LTV |
| Single Family | ✓ | ✓ | ✓ |
| Duplex | ✓ | ✓ | ✓ |
| 4-Plex (3) | ✓ | ✓ | ✓ |
| Townhouse | ✓ | ✓ | ✓ |
| Strata Townhouse | ✓(2) | ✓(2) | ✓(2) |
| Apartment Condo (1) | ✓(2) | ✓(2) | ✓(2) |
(1) Min. 600 sq. ft. & building must be 20 years or newer.
(2) GTA & GVA only.
(3) One unit must be owner-occupied.
Matrix Money (interest-only)
Flexible loans for those who don't fit the usual model. This product goes above and beyond with greater prepayment flexibility for borrowers. Ideal for clients with a proven repayment history. Not everyone can qualify.
Money 50 (I&O)
40% or Less Loan-To-Value
| Rate | Commitment Fee |
| 4.49% | 3.00% |
41-50% Loan-To-Value
| Rate | Commitment Fee |
| 4.99% | 3.00% |
Money 65 (I&O)
51-60% Loan-To-Value
| Rate | Commitment Fee |
| 5.99% | 3.00% |
61-65% Loan-To-Value
| Rate | Commitment Fee |
| 6.99% | 3.00% |
Money 75 (I&O)
66-75% Loan-To-Value
| Rate | Commitment Fee |
| 6.99% | 3.00% |
Terms & Conditions
| Income Verification | Reasonability |
| TDS | N/A |
| Max. Mortgage Amount | $750,000 (with $1,000,000 in GTA & GVA) |
| Occupancy Type | Owner-occupied (rental up to 4-plex under 1 title with 1 unit owner-occupied) |
| Max. Amortization | N/A |
| Valuation | From the approved appraisal list |
| Inspection | Not required |
| Prepayment Penalty | 1 year - open on 3 months interest |
Location
ONTARIO
| Property Type | 50% LTV | 65% LTV | 75% LTV |
| Single Family | ✓ | ✓ | ✓ |
| Duplex | ✓ | ✓ | ✓ |
| 4-Plex (3) | ✓ | ✓ | ✓ |
| Townhouse | ✓ | ✓ | ✓ |
| Strata Townhouse | ✓(2) | ✓(2) | ✓(2) |
| Apartment Condo (1) | ✓(2) | ✓(2) | ✓(2) |
(1) Min. 600 sq. ft. & building must be 20 years or newer.
(2) GTA & GVA only.
(3) One unit must be owner-occupied.
What Our Clients Say
Andrea Chase, Hamilton, ON
I had 2 yrs left on my consumer proposal, with the 2nd mortgage offer by Matrix Mortgage Global I was able to pay off the proposal and re-establish my credit
Steve Darcy - Surrey, BC
I own a historic mixed use commercial/residential building that I wanted to modernize. Matrix Mortgage Global provided me with a term loan to complete the renovations
Blake Taylor - Banff, AB
I own a family bed and breakfast just outside Banff and ran into some tax arrears. Our bank turned us down for a commercial loan. Matrix Mortgage Global provided us with a 2nd mortgage which we used to pay off the tax arrears.
Recent News
Working With Private Mortgage Lenders Canada – A Complete Guide
Listed below are some tips to help you find a private lender Canada. Make sure they have past funding histories in the same province where your property is located. Look for critical benefits such as funding turnaround time, low interest rates, easy application, low credit score requirements, and fast closing times.
Recover from Tax Arrears for Self-Employed Worker
A self-employed construction worker injured his foot while working and was unable to work for one year due to the injury. With the reduced income, while recovering from the injury, he needed a solution that will pay off his personal debts and tax arrears completely. He needed a solution from alternative lenders who will lend him a loan based on the equity in the house so can pay off the personal debts and tax arrears until he is fully recovered and back to full his previous level of income as a self-employed construction worker.
Recently Divorced And A Significant Credit Card Debt
A recently divorced couple was looking to refinance to pay out all of their mounting debts, including an existing first and second mortgage and significant credit card debt.
After meeting various bank representatives to no avail, the couple found their solution from one of the lenders of the Canadian Private Mortgage marketplace.
This couple was able to proceed with their divorce resolution amicably and the wife will assume ownership of the property with the mounting debts paid off and come out with a better cash flow.
Purchase a Single Family Bungalow & Partial Conversion to Become a Day Care Centre
The husband works as a self-employed contractor and his wife has been running a home-based daycare business. They needed funding to purchase the house and set aside some renovation budget to rework the interior of their new home. But, their existing lender backed out on the closing day. This couple was left scrambling to find an alternative lender to close the deal.
Failing Consumer Proposal And Job Loss Due To COVID-19
A homeowner was hit by COVID-19 and unfortunately lost his employment. Meanwhile, he has an ongoing Consumer Proposal to be paid off while he tries to recover his health.
Self Employed Equity Take Out To Consolidate Debts
Many traditional banks declined to extend a mortgage loan to him because he has maxed out his debt-to-income ratio. He needed a solution from alternative lenders who will lend him a loan based on the equity in the house so can pay off the high-interest debts and reenergize his business to generate more income.