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CreditReboot Mortgages(formerly CreditReboot Mortgages) BBB Business Review

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Private Mortgage Lenders · ON · AB · SK

Fast, flexible financing —
when banks decline.

Private lenders approve almost entirely on the equity in your property — ideal when you need to close fast, have bruised credit, irregular income, or are new to Canada. A short-term bridge with a clear exit plan.

✅ Equity-Based Approval
⚡ Funds in 24–72 hrs
🏠 50–85% LTV
★★★★★5.0· Google Reviews

🏠 How Much Could You Borrow?

Estimated home value$700,000
$200K$2M+
Mortgage balance$300,000
$0$1.5M
You may qualify for up to$260,000

Estimates only. Actual amount depends on equity, property appraisal and lender.

💲
50+
Lenders Shopped
🕐
24–48 hrs
Typical Approval Time
🏅
10+ Years
of Experience
📍
ON · AB · SK
Licensed & Serving
🔒
100% Digital
Secure & Confidential
Key Takeaways
  • ✓Private mortgages are approved on equity and property value — credit and income matter far less.
  • ✓Funding is fast: often 24–72 hours, ideal for urgent closings or stopping a foreclosure.
  • ✓Expect rates of roughly 6.5–15% plus lender/broker fees — judge the all-in cost, not the headline rate.
  • ✓It's a short-term bridge (often around one year) with a planned exit back to a B or A-lender.
Eligibility

When speed and equity matter
more than your credit score.

Private lenders — including Mortgage Investment Corporations (MICs), private companies, and individuals — fund deals the banks can't touch. Approval rests on your home's equity and a credible exit plan, not paperwork.

  • ⚡
    Need to close fastApprovals in 24–72 hours, funding in days
  • 💳
    Bad credit or recent arrearsEquity and loan-to-value drive the decision
  • 📋
    Self-employed or irregular incomeMinimal income documentation required
  • 🍁
    New to Canada or foreign incomeApproved on the property, not your history
Apply in 60 Seconds
Fast, Equity-Based
Approval.
Step 1 of 119%
GET STARTED
Do you own the home you're applying against?
Ownership is the primary eligibility requirement. Principal residence or investment property.
Yes
No
YOUR PROPERTY
What is your home's estimated current value?
Use your best estimate based on recent neighbourhood sales. We verify with an appraisal later.
$750,000
Estimated Home Value
$200K$2M+
YOUR MORTGAGE
What is your remaining mortgage balance?
Check your most recent mortgage statement. If you have no mortgage, set to $0.
$450,000
Outstanding Mortgage Balance
$0$1.5M
EXISTING DEBT
Do you have a HELOC or second mortgage on this property?
An existing HELOC or 2nd mortgage reduces available equity. Select No if you only have a primary mortgage.
✅ Yes, I have one
🚫 No, I don't
$50,000
HELOC / 2nd Mortgage Balance
$0$500K
LOAN AMOUNT
How much would you like to borrow?
Your target loan amount. Final approval depends on your equity and property appraisal.
$50,000
Requested Loan Amount
$10K$500K+
YOUR GOAL
What is your primary reason for this loan?
Select the option that best describes your main goal. Helps us match you with the right lender.
⚠️ Stop Power of Sale
🏛️ Pay Off CRA
📉 Consolidate Debt
⏱️ Bridge / Fast Close
🏗️ Renovation
🌟 Other
YOUR LOCATION
What city is the property located in?
Property location affects lender availability and processing time.
Please enter a city name.
ABOUT YOU
What's your name?
Your broker will use this to personalize your assessment.
Please enter your name.
CONTACT INFO
What's your email address?
We'll send your free eligibility summary here. We never share your info.
Please enter a valid email.
CONTACT INFO
What's the best number to reach you?
Your licensed broker will call within one business day. No pressure, no obligation.
Please enter your phone number.
PROPERTY ADDRESS
What is the property address?
Lets us verify ownership and prepare an accurate equity summary for your broker call.
Please enter the property address.
CreditReboot
RECEIVED
Thank you for choosing CreditReboot Mortgages.
You will receive a text & email shortly to schedule a time to discuss your options.
YOU MAY QUALIFY FOR UP TO
$0
Based on 80% LTV — subject to application, property & lender approval.
No Upfront Fees · No Credit Check Without Consent
Canada's Trusted Digital Mortgage Broker
Who Private Mortgages Help

Built for the deals
banks won't do

A private mortgage is a fast, equity-based bridge. Here's who uses one and why.

⚠️

Stop Power of Sale

Fast funding to bring your mortgage current and halt enforcement.

Funds in 24–72h
📋

Self-Employed

Strong equity but income that banks won't document.

Minimal docs
💳

Bad Credit

A low score or recent arrears the banks won't look past.

Equity-based
🍁

New to Canada

No Canadian credit history yet, but real equity or a down payment.

Property-based
⏱️

Bridge Financing

Close on a new property before the old one sells.

Short-term
Compare Your Options

Private vs Bank vs B-Lender

A private mortgage trades a higher cost for speed and flexibility. Here's exactly what you get for it.

FeaturePrivate (CreditReboot)
✓ Recommended		Bank (A-Lender)B-LenderDo Nothing
Approval BasisEquity firstCredit + incomeEquity + story—
Speed24–72 hours2–4 weeks3–7 days—
Credit Needed✓ None / low OK✗ 680+~500+—
Typical Rate6.5–15% + feesLowestMid—
Max LTV50–85%80%80%—
Term~1 year (bridge)1–5 years1–3 years—
Show Me The Math

How much could you borrow privately?

Slide the numbers to estimate what a private lender could advance on your equity.

Estimate Your Equity
Home value$700,000
$200K$2M+
Mortgage balance$300,000
$0$1.5M
You may qualify for up to$260,000

Private lenders approve almost entirely on equity and the loan-to-value — credit and income matter far less. It is a short-term bridge, so we build your exit to a lower-cost B or A-lender into the plan from day one.

Illustrative only. Fees and rate depend on LTV, position and lender.

Check My Numbers →
Our Process

The Digital CreditReboot Process

No branch visits. No waiting in line. No unnecessary paperwork. Just a simple digital process from start to funded.

1

Pre-Approval

Fill out the form, speak to a licensed CreditReboot broker, and get your personalized quote — usually within 24 hours. No credit check at this stage.

2

Application & Approval

We shop your deal across 50+ private and alternative lenders and present you with your best approval to choose from.

3

Funding

Sign the broker documents, complete the legal paperwork with a lawyer or notary, and receive your funds — typically within 3–5 business days.

A PRIVATE MORTGAGE IS A BRIDGE — HERE'S THE EXIT
1
Right Now
Urgent
Declined or Out of Time
A fast closing, an arrears deadline, or a credit issue the bank won't move past. You need funds now.
2
Day 1–3
Private
Equity-Based Approval
We fund fast on your equity, solving the immediate problem — power of sale stopped, deal closed, debt cleared.
3
~12 Months
B / A-Lender
Refinance Out
With the crisis behind you and credit stabilized, we refinance you into a lower-cost lender. Bridge complete.
What Our Clients Say

Trusted by homeowners
across Canada

Real Google reviews from homeowners in Ontario and Alberta who worked with CreditReboot.

★★★★★

"They were able to help me with a second mortgage based on equity without any income requirements and lowered my monthly payment by helping me consolidate credit card debt. I highly recommend them."

H
Harman S.
Brampton, Ontario
★★★★★

"I was in a total bind looking to get financing against my property in Alberta. Parm gave me options even after letdowns from the banks, and worked tirelessly to find me a lender. By far the best I've worked with in a difficult situation."

M
Manno
Calgary, Alberta
★★★★★

"Our bank wasn't helping with refinancing. Parm gave us step-by-step insight on every detail, answered every question, and was always available. If you need help refinancing, look no further than CreditReboot."

V
Vikram
Brampton, Ontario

Get fast, equity-based approval

Free eligibility check. No impact on your credit score. Licensed brokers ready to call you today.

Apply in 60 Seconds →
FAQ

Common questions

Answers to the questions we hear most from homeowners in Ontario, Alberta, and Saskatchewan.

Can I get a private mortgage in Canada?
+
Yes. Private mortgages are widely available across Canada through individual investors and mortgage investment corporations who lend based on your home equity. They’re designed for situations banks can’t accommodate, offering fast, flexible, equity-based approvals.
How does a private mortgage work in Canada?
+
A private mortgage is a loan from a private lender or investor secured against your property, with approval based mainly on your equity rather than your credit or income. Terms are typically shorter — often one year — and interest-only, giving you time to resolve a situation before moving to a lower-cost lender.
Who should consider a private mortgage in Canada?
+
Private mortgages suit homeowners who’ve been declined by banks, are self-employed, have bruised credit or CRA debt, need funds quickly, or are dealing with arrears or a power of sale. If you have equity but don’t fit traditional lending rules, a private mortgage bridges the gap.
Can I get a private mortgage with bad credit?
+
Yes. Credit score matters far less to private lenders because the loan is secured by your home’s equity. As long as you have sufficient equity — usually at least 20–25% — bad credit rarely stands in the way of approval.
Can private lenders help after a bank decline?
+
Yes — that’s their specialty. Private lenders exist precisely for the situations banks reject, and they can often approve and fund quickly using your equity. A bank “no” is one of the most common reasons homeowners come to us for a private solution.
Can I get a private mortgage with CRA debt?
+
Yes. Private lenders will often approve a mortgage that pays out CRA tax debt directly, clearing liens and stopping further interest and enforcement. It’s one of the most common problems private financing solves.
Can I get a private mortgage after a consumer proposal or bankruptcy?
+
Yes. Private lenders regularly approve borrowers during or after a consumer proposal or bankruptcy, since their focus is your equity rather than your credit history. It’s often the fastest way to access funds while you rebuild toward traditional financing.
How much can I borrow with a private mortgage in Canada?
+
Private lenders typically lend up to about 75–80% of your home’s value, including any existing mortgages. Your exact limit depends on your equity, property type, and location. The more equity you have, the more you can borrow and the better your terms.
How long does a private mortgage usually last?
+
Most private mortgages run for a short term — commonly six months to two years — and are meant as a temporary solution. The goal is to solve the immediate need, then transition you to a bank or B-lender at a lower rate. We build that exit plan with you from the start.
Can I move from a private mortgage back to a bank later?
+
Yes — that’s the plan for most of our private-mortgage clients. Once you’ve resolved the issue that led to the private loan and rebuilt your credit, we help you refinance into a lower-cost B-lender or bank mortgage. A private mortgage is a bridge, not a destination.
Still have questions?
Speak directly with a licensed CreditReboot mortgage broker. No commitment, no credit check, no pressure.
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