Private Mortgage Lenders In Canada

Get access to some of the most reliable private mortgage lenders with our simple and easy application here. Alex Lavender is one of Nova Scotia’s top mortgage brokers and author of best selling book “Mortgages For Millennials”.

Fast Private Mortgages

Alex Lavender works for you not the banks.

Have you been turned down by your bank? If so Alex has a wide array of alternative lending solutions to help.

Get your free consultation with Alex to discover what options are available to you.

Get in touch today or see below for what options we offer.

Alex Lavender Mortgage Agent

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Private Mortgage Lenders

Private mortgage lenders are corporations and individuals that lend out money and are willing to take a higher risk. Typically private mortgages are shorter and come with higher interest rates and fees than traditional lenders. They are meant to be a temporary measure for your situation to help you get back to a traditional lender.

Private Mortgage

Private Mortgage

Private mortgage lenders have realized that conservative lending rules by big banks exclude many people who CAN pay back their loans. 
That’s where private mortgages fill the gap.
Our private mortgages are typically shorter term 1 – 3 years. This is a great solution for someone needing fast approval and financing for your dream home.

Mortgage Refinance

Private Second Mortgages

A private second mortgage is additional financing taken out against a property that already has a home loan on it. Second mortgages can be an ideal option when you want to consolidate debt, borrow for a second property purchase, or obtain funds for renovations or investments.


Alex was wonderful to deal with for our mortgage. He was responsive immediately and dealt with all our questions. It was a pleasure to deal with Alex and... read more

thumb kim Caines
December 20, 2022

I had a great experience getting my mortgage through Alex Lavender! Very professional, knowledgeable, snd people oriented. He was very informative, and efficient to make everything come together! I would... read more

thumb effy peel
December 20, 2022

It was a real pleasure working with Alex. He was always available and fast to answer all of our questions. When others were saying we could not get a mortgage,... read more

thumb Melissa Poitras
December 20, 2022

Your Private Mortgage Broker

Alex Lavender is a certified private mortgage broker. This saves you a lot of time (and headaches) by getting mortgage options that are right for your situation. Plus you’ll be able to use Alex’s wealth of knowledge to help you understand all your mortgage related questions.

Get the best rate today! Start your private mortgage application now.

Private Mortgage Requirements & Options

Bad Credit

  • All credit scores accepted
  • $200,000 minimum property value
  • Purchases – 20% down payment required
  • Refinances – up to 80% of the house value

Learn more about our bad credit mortgages here.

Private Mortgage Lenders

  • Private lenders for your house
  • Short term lending solutions
  • We provide a large selection of private lenders
  • All credit scores accepted

To Get The Best Rates:

  • Minimum credit score of 600
  • Down payment starting at 5%
  • Employment required
  • House price must be at least $200,000

Contact your mortgage broker today to learn more about getting the best rates.

How Private Mortgage Brokers Work:

  • FREE to use, we work for you, not the banks. Giving you the ability to choose between multiple lenders and compare rates side by side.
  • Mortgage expertise, by working with a variety of lenders we have all the experience you need. We’ll do the heavy lifting to let you choose the loan that is the best for you!
  • Efficient, we use your information to pull real mortgage approvals from multiple lenders. You can get mortgage rates from all the banks and lenders all in one place.

Meet Alex Lavender:

Alex Lavender is and Accredited Mortgage Professional (AMP) the author of “Mortgages For Millennials” and has been providing services as a mortgage broker for years.

He takes pride in helping Nova Scotians purchase their first homes, refinance their current homes, or obtain a loan when no other options are available.

Alex listens to your situation and uses the necessary information to provide you with a variety of options from different lenders, including the big banks.

Private Mortgage Types

Pros And Cons Of Private Mortgage Lenders


  • Very quick approval process
  • Good option for people with poor or no credit history
  • Available for people with non-traditional or foreign sources of income


  • Higher interest rates
  • May have additional fees for setup
  • Larger penalties if you are behind on payments
  • Short term natured – primarily served as bridge loans until you can get into a traditional mortgage