Solution Based Lending
Our Commitment
Our commitment to solution-based lending means that we take a client-focused approach in our private mortgage lending solution. Our solutions help clients reach their goals while receiving the best quality of customer service throughout the process.
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.
Pay Off Your Debts & High Interest Loans Now
Tax Arrears
Solve your tax debt and get back to your normal life now.
Mortgage Arrears
Quickly fix your financial life and move on with the good things in your life.
Bankruptcy
Get out of bankruptcy and move forward to a brighter future.
2nd and 3rd Mortgages
Simplify your loan situation and lower your monthly expenses.
Consumer Proposal
Solve your debt crisis with affordable monthly payments.
Accounts in Collection
Stop collection and get out of debt.
Maxed Out Credit Cards
Eliminate your credit card debt and rest easy knowing you're on your way to being deft-free.
High Interest Loans
Lower the interest rate and reset with a repayment schedule that fits your needs.
House Liens
Expert knowledge in solving any and all house liens.
Spousal Buyout
Find the mortgage solution that best meets your needs – even if you don’t have perfect spouse.
We help clients with various credit, income, and employment conditions.
Ethical Private Mortgage Lenders
Lending for the real world - We provide expert advice and lending options for real people - homeowners, home buyers, and real state investors, to reach their real estate goals.
Our ethical and personalized private mortgage service is client-focused. Clients can make an informed decision about their choice knowing how each available option helps them move closer to their goals.
Canadian Private Mortgage - About
Easy access to private equity from Canadian lenders vetted and licensed in four provinces.
Mortgage Rates
as low as
3.99%
Loan To Value
up to
85%
Established
since est.
2008
Easy Approval Process
Conversation
Application
Approval
Do Us A Favour
We know it can get difficult at times to see the way out of bad debts and financial problems in your life. Please do us a favour and try not to let stress take control of your life. Start a confidential conversation with us and together we will review all the financing options available to help you turn your life back to normal.
Private & Confidential
Private and confidential conversation to discuss your mortgage solutions. Send us a message about your situation or ask for a one-on-one meeting.
Canadian Private Mortgage - Matrix Mortgage Global
100 Consilium Pl Suite 203
Scarborough, ON M1H 3E3
Get Approved For a Private Mortgage
Matrix Mortgage Global
Let us help you get the financing you need for your next commercial or residential project. Contact our network of private lenders today!
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.