Behind on payments? Facing a notice? Bank said no? You have more options than you think.
No CommitmentNo Credit Check2 Mins
Pick what sounds like you. We’ll help you build a simple plan from there.
Missed a payment or two? Catch up before it snowballs.
See how →A notice doesn't mean it's over. We can stop it.
Get help →Roll CRA and card debt into one easier payment.
See how →Unlock the cash sitting in your home, fast.
See how →Income the bank can't see? Your equity can.
See how →Bank too slow, or said no? Close anyway.
See how →Lender won't renew? Stay in your home.
See how →It happens every day, on purchases, renewals, refinances and HELOCs alike. And it's rarely the end of the road.
Answer a few quick questions and see your options, free, private, no credit check.
How a private mortgage actually gets structured, and where each homeowner ended up.
It’s a short-term loan based on what your home is worth, not your credit score or paperwork. People use one to buy, renew, refinance or unlock cash, then move back to their bank when things settle down.
Private lending costs more per month, and exists precisely because lenders can consider what banks can't. Here's the trade-off, with nothing hidden.
A couple of minutes on your property, your mortgage and what you need.
We look at your home's equity and match you with the right option.
A quick appraisal confirms value, and the lender issues terms for you to review.
The lawyers finalize everything and your funds are released.
Get a confidential read on your options in minutes. No credit check to pre-qualify, no pressure, and a Specialist on every file.
Life happened, and a payment slipped. If you’re behind on mortgage payments, your equity can clear the arrears and bring your mortgage current, often in days.
No obligation · No credit pull to start · 2 minute assessment
A medical leave led to arrears, then a notice of sale, while two calls to the bank went nowhere, a lender in enforcement cannot also refinance. A private first mortgage paid the existing lender out in full and cleared the arrears and legal costs in six days, ahead of the sale date.
“Every week of delay was adding legal costs to a balance that was already the problem.”
Lenders escalate on a schedule: calls, then a demand letter, then legal action. Each step adds cost, and cuts your options.
A second mortgage or refinance pays the arrears directly, so your first mortgage is current again.
A confidential read on your catch-up options takes minutes. No credit check to pre-qualify, no judgment, just a plan.
A power of sale notice feels final. Pay out what’s owed and it usually stops, often within 72 hours.
No obligation · No credit pull to start · 2 minute assessment
A medical leave led to arrears, then a notice of sale, while two calls to the bank went nowhere, a lender in enforcement cannot also refinance. A private first mortgage paid the existing lender out in full and cleared the arrears and legal costs in six days, ahead of the sale date.
“Every week of delay was adding legal costs to a balance that was already the problem.”
Pay what's owed and the process generally stops, right up until the property sells.
Emergency funding isn't cheap, but a forced sale costs far more.
We work seven days a week. Tell us your situation now, or call us directly, either way, a Specialist reviews your file today.
A CRA letter and maxed-out cards feel like the end of the road. They’re a cash flow problem, not a character one. A debt consolidation mortgage can use your home equity to consolidate debt and clear CRA tax arrears in one payout.
No obligation · No credit pull to start · 2 minute assessment
Three unfiled tax years left a self-employed contractor owing CRA $46,000, plus $64,000 across cards and a line of credit. A private second mortgage behind their existing low-rate first cleared every balance in one closing and dropped monthly obligations by roughly $1,350.
“The tax bill was not the crisis. The $2,600 a month going nowhere was the crisis.”
It’s rarely about how hard you’re trying. It’s about what a lien does to your file, regardless of your payment history.
A loan against your equity can pay CRA and your cards directly. What’s left is one payment, not five.
See what consolidation looks like on your numbers before you talk to anyone. Free, confidential, no obligation.
You’ve built real equity over the years. For the business, the reno, or life, it may be available in days, without touching your first mortgage.
No obligation · No credit pull to start · 2 minute assessment
A signed separation agreement needed a $185,000 buyout and $40,000 of joint debt cleared, but the remaining spouse's new job was three months old, too new for any bank to count. A private first mortgage closed the buyout in a single transaction, on a term timed to reach conventional qualification.
“The agreement was signed in March. The income would not qualify until January. The house could not wait.”
Both leave your first mortgage exactly as it is.
Because the property qualifies, there's no stress test and no six-week wait.
Get your available-capital number and an honest cost breakdown in minutes, free, confidential, no credit check.
Bank too slow, or said no? With enough down payment, your deal doesn’t have to fall apart over their timeline.
No obligation · No credit pull to start · 2 minute assessment
A family had already sold their old home when their bank withdrew approval 48 hours before closing, over a new job's probation period. A private first mortgage funded in four business days on the strength of the property, not his tenure. They closed on time, kept the deposit, and refinanced with a bank a year later.
“The promotion that should have helped him is the exact thing that broke the deal.”
With 20–25% down, the property does the heavy lifting, not your paperwork.
Most purchases fund in 5–10 days, and rescues can go faster.
Check your deal against 60+ private lenders in minutes. Free, confidential, and fast enough to matter before your closing date.
Lender won’t renew, or the new payment doesn’t fit? Either way, you don’t have to lose your home. There’s time to reset.
No obligation · No credit pull to start · 2 minute assessment
Eleven years salaried, then incorporated, and a lender wanted two years of filed corporate financials that didn't exist yet. A low-LTV private first mortgage bridged a single year with zero missed payments, until a second year of financials brought the file back to an alternative lender.
“The income never changed. Only the way it was reported did.”
It's usually policy, not you, many people declined at renewal never missed a payment.
A private renewal pays out your lender on time, then buys you room to reset.
Every week before maturity is leverage. Get a confidential read on your renewal options in minutes, free and with no credit check.
Too much debt, not enough month? A refinance based on what your home is worth can roll it into one payment you can live with.
No obligation · No credit pull to start · 2 minute assessment
Two years remained on a five-year consumer proposal, and the credit rebuild clock couldn't start until it was discharged. A private second mortgage paid it out in full immediately. Fourteen months later, both mortgages consolidated into one refinance with an alternative lender.
“The proposal was not the obstacle. The two years of waiting behind it were.”
No stress test, your home's value does the heavy lifting.
We'll run the numbers and tell you which is cheapest for you.
See your refinance numbers, available equity, likely payment, total cost to exit, before you commit to anything.
A mortgage application declined by your bank stings, but it’s usually about their checklist, not about you. Once you know why the mortgage was denied, the alternative mortgage after a decline is usually clear.
No obligation · No credit pull to start · 2 minute assessment
Eleven years salaried, then incorporated, and a lender wanted two years of filed corporate financials that didn't exist yet. A low-LTV private first mortgage bridged a single year with zero missed payments, until a second year of financials brought the file back to an alternative lender.
“The income never changed. Only the way it was reported did.”
Decode the reason, and the path forward is usually obvious:
None of these is about whether you'll repay, and every one has an equity-based answer.
Find yours below, then let's talk about your situation.
Diagnose your decline in two minutes and see the approval routes the bank never mentioned. Free, confidential, no credit pull.
A mortgage declined for purchase, with a deposit on the line, is the worst kind of no. A purchase mortgage denied at the last minute is also one of the most common files a private mortgage purchase can save, often in days.
No obligation · No credit pull to start · 2 minute assessment
A family had already sold their old home when their bank withdrew approval 48 hours before closing, over a new job's probation period. A private first mortgage funded in four business days on the strength of the property, not his tenure. They closed on time, kept the deposit, and refinanced with a bank a year later.
“The promotion that should have helped him is the exact thing that broke the deal.”
A pre-approval is a screening, not a commitment, final underwriting can undo it days before closing.
We run lender, appraisal and lawyers at the same time, not one after another.
Same-day review on rescue closings. Check your deal with us or call, either way a Specialist sees your file today.
A mortgage renewal declined by your own bank isn’t the end of the road. A mortgage renewal denied is about policy, not you, and a private mortgage renewal can pay your lender out before maturity.
No obligation · No credit pull to start · 2 minute assessment
Eleven years salaried, then incorporated, and a lender wanted two years of filed corporate financials that didn't exist yet. A low-LTV private first mortgage bridged a single year with zero missed payments, until a second year of financials brought the file back to an alternative lender.
“The income never changed. Only the way it was reported did.”
It’s rarely you. It’s the file, re-checked against today’s rules, not your history with them.
At maturity, the full balance comes due. That’s the real deadline, not the letter itself.
See your renewal options this week, then let the cheaper routes compete against it. Free, and no obligation.
A mortgage refinance declined because of the very debt you wanted to pay off? When a refinance is denied for that reason, a private mortgage refinance breaks the catch-22, the debt gets cleared at closing.
No obligation · No credit pull to start · 2 minute assessment
A couple with $214,000 across nine creditors were told by their bank the numbers no longer worked, and started preparing to sell. Their equity said otherwise: one private mortgage replaced nine payments with one, at roughly $1,600 a month less. The listing came down. They still live there.
“Selling would have cost them roughly $60,000 in commission and closing costs to solve a problem their own equity could already solve.”
Banks score you as you are today, debt included. They can't credit the cleanup the refinance would do.
The private loan builds the file the bank wanted to see.
See your consolidation numbers, payout, payment, exit timeline, before deciding anything. Free, confidential, no credit pull.
A HELOC declined, or a home equity loan declined, doesn’t change what your home is worth. When the bank declined your HELOC, a private lender often still will, funded in days, with your first mortgage untouched.
No obligation · No credit pull to start · 2 minute assessment
Three cash-flow-positive rentals, all paying on time, and still a decline on a fourth, the lender simply capped how many doors it would finance for one borrower. A private second mortgage against existing equity funded the down payment directly. The portfolio moved to an investor-focused lender a year later.
“Three performing properties, and the decline had nothing to do with any of them.”
Banks underwrite HELOCs to their strictest standard, even when your equity is strong.
Same equity, same house, considered on the property instead.
Your available-equity number, an honest cost comparison, and a funding timeline, in minutes, free, confidential.
No rush means no pressure. Take the time to pick the smartest route, not the fastest talker.
No obligation · No credit pull to start · 2 minute assessment
Two years remained on a five-year consumer proposal, and the credit rebuild clock couldn't start until it was discharged. A private second mortgage paid it out in full immediately. Fourteen months later, both mortgages consolidated into one refinance with an alternative lender.
“The proposal was not the obstacle. The two years of waiting behind it were.”
Every declined homeowner is choosing between the same five moves.
The post-decline market attracts bad actors. Walk away from any of these.
Get the full options map, every route, honest costs, ranked for your file, before anyone pressures you into theirs.
You have the income and often the down payment. What you don’t have is two years of tax returns that show it. A self-employed mortgage assessed on equity, not paperwork, may be the way through.
No obligation · No credit pull to start · 2 minute assessment
Eleven years salaried, then incorporated, and a lender wanted two years of filed corporate financials that didn't exist yet. A low-LTV private first mortgage bridged a single year with zero missed payments, until a second year of financials brought the file back to an alternative lender.
“The income never changed. Only the way it was reported did.”
A bank measures you by your Notice of Assessment. Write-offs that are smart accounting become, on paper, a smaller income. That is the whole reason a bank declined a self-employed mortgage that any lender looking at the property would fund.
Whether you need a purchase, a self-employed refinance, or a self-employed mortgage renewal, the structure is the same: use the equity now, move back to a bank or B lender once the paperwork catches up.
It is a bridge, not a destination. It is the right tool in three situations, and the wrong one outside them.
If none of those apply, an alternative B lender with a business-for-self program is usually cheaper, and worth checking first. Anyone who tells you private is your only option without checking is not looking out for you.
See what a self-employed mortgage looks like on your numbers before you talk to anyone. Free, confidential, no obligation.
How we collect, use and protect your personal information.
Last updated: August 2026
EquityPath provides information and educational tools about private mortgages. We do not provide mortgage services or advice, and we are not a mortgage brokerage or a lender. EquityPath is partnered with Dominion Lending Centres A.I.M.I. Collective Mortgage Group, FSRA licence #13717, who may be introduced to you if you request an assessment. This policy explains what personal information we collect, why we collect it, and what we do with it.
Contact details you give us, name, phone number and email address.
Details about your situation, the reason you contacted us, your timing, how you earn income, and the province and city of your property.
Technical information collected automatically, such as your device type, browser, and how you arrived at our site.
To respond to your request and have a mortgage professional contact you.
To match your situation with lending options that may suit it.
To meet our legal, regulatory and record-keeping obligations as a licensed mortgage brokerage.
Mortgage agents and brokers within our brokerage who work on your file.
Lenders, appraisers and lawyers, where needed to arrange financing you have asked us to pursue.
Service providers who host our systems, under agreements requiring them to protect your information.
We do not sell your personal information.
We ask for your express consent before contacting you by phone, text or email, as required under Canada’s anti-spam legislation. You can withdraw that consent at any time and we will stop marketing contact.
You may ask to see the personal information we hold about you, ask us to correct it, or ask us to delete it, subject to our legal record-keeping obligations.
We do not obtain a credit report as part of the free assessment on this site. If your file proceeds and a credit report becomes necessary, we will ask for your consent first.
We keep your information as long as needed to serve you and to satisfy the retention periods required of a licensed mortgage brokerage.
We use cookies and similar technologies to understand how our pages perform and to measure advertising. You can control cookies through your browser settings.
To ask a question, make a request about your information, or raise a concern, contact our Privacy Officer through the contact form on this site.
The ground rules for using this website.
Last updated: August 2026
By using this website you agree to these terms. EquityPath is a consumer brand, and Private Mortgage is the product offered under it.
EquityPath is not a mortgage brokerage and not a lender, and provides information and educational tools only. EquityPath is partnered with Dominion Lending Centres A.I.M.I. Collective Mortgage Group, FSRA licence #13717. Any mortgage would be arranged by that brokerage and funded by a third-party lender, who alone approves applications and issues commitments.
Everything on this site is general information. It is not financial, legal or tax advice, and it does not take your personal circumstances into account. Speak with a licensed mortgage professional before making a decision.
Submitting an assessment does not create an application, an offer, or any obligation on us or on any lender. Nothing on this site is a promise that financing will be arranged, or arranged on any particular terms.
Any rates, ranges, timelines or property values shown are illustrative estimates based on available market data. Actual terms are set by the lender and confirmed only in a written commitment.
Scenarios shown on this site are illustrative composites. Details have been changed for privacy and they are not a prediction of your result.
Our programs are available in the provinces where we are licensed to arrange mortgages. Availability varies by province and by property, and some provinces are not served at this time.
You agree not to misuse this site, submit false information, or attempt to interfere with its operation or security.
We are not responsible for the content or privacy practices of websites we link to.
We may update these terms and our policies from time to time. The version posted here is the current one.
How EquityPath, the Private Mortgage product, and our partner brokerage fit together.
Last updated: August 2026
EquityPath is an information and education service focused on private mortgages in Canada. We publish plain-language guides, comparison tools and a free self-assessment.
EquityPath provides information and educational tools only. We do not provide mortgage services or advice, we are not a mortgage brokerage, and we are not a lender.
The free assessment on this site is an information request, not a mortgage application. Completing it does not create an application, an offer, or any obligation on you or on anyone else.
With your consent, we share your details with a licensed mortgage professional who may contact you to discuss your situation. Any mortgage would be arranged by that licensed professional and funded by a third-party lender.
Only a lender can approve an application and issue a commitment. Nothing on this site is a promise that financing will be arranged, or arranged on any particular terms.
A private mortgage is short-term financing secured against residential real estate, usually arranged for 6 to 24 months while a borrower resolves a situation and returns to conventional financing.
Costs are set by the lender and typically include a lender fee plus legal and appraisal costs. All costs are disclosed in writing by the licensed professional before you sign anything.
Any figures, ranges, timelines or property values shown are illustrative estimates based on available market data, not quotes.
Client stories are illustrative composites with details changed for privacy. They are not a prediction of your result.
Private mortgage availability varies by province and by property. Applications for properties in Quebec cannot be processed at this time.
Mortgage brokering is regulated province by province. Any mortgage discussed with you would be arranged by a professional licensed in the province where the property is located, and that professional is responsible for providing their own licence details and disclosures. The notes below are general information about those regimes, not a statement of EquityPath’s own status.
In Ontario, EquityPath is partnered with Dominion Lending Centres A.I.M.I. Collective Mortgage Group, FSRA licence #13717. Mortgage brokerages, brokers, agents and administrators in Ontario are licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act, 2006.
Only a licensed brokerage may deal or trade in mortgages in Ontario. Before you share documents or sign anything, you can confirm that a brokerage or agent is licensed by searching FSRA’s public registry at fsrao.ca. Ontario rules also entitle you to written disclosure of the mortgage terms, the costs of borrowing, and any fees or conflicts of interest, in advance of a commitment.
In British Columbia, EquityPath is partnered with Dominion Lending Centres A.I.M.I. Collective Mortgage Group. Mortgage brokering in the province is regulated by the BC Financial Services Authority (BCFSA). At the time of writing, activity is registered under the Mortgage Brokers Act. That statute is being replaced by the Mortgage Services Act, which comes into force on 13 October 2026 and moves the industry from registration to licensing, with new licence categories and conduct standards.
Whichever framework applies on the date you proceed, the professional arranging your mortgage must be registered or licensed with BCFSA, and you can verify their status through BCFSA at bcfsa.ca. British Columbia rules likewise require written disclosure of the cost of borrowing, fees, and any conflict of interest before you commit.
Questions about this page, our tools, or how your information is handled can be sent through the contact form on this site.
Pick the closest match, you can share the details in your own words afterwards.
Background only, it never decides your file.
Your property is the heart of an equity-based file.
By clicking “Submit” you submit an inquiry to EquityPath regarding a Private Mortgage and agree to our Terms and Conditions, Privacy Policy and Disclosure.
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Private mortgage programs are secured against Canadian real estate, so without a property owned or being purchased, this isn’t something we can arrange, and we’d rather tell you straight than waste your time.
If your situation changes, a purchase in view, or a property in the family, we’d genuinely like to hear from you.
Our lending programs aren’t available in Quebec at this time, so we can’t process this request. We’re sorry, we’d rather tell you straight away than take your details.
If the property is in another province, change it on the previous step and we’ll pick things back up.
A free, no-obligation look at your options in about two minutes. No credit check, and nothing to sign.
Information and educational tools only. Not a mortgage brokerage or lender.