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mortgage financing

Loans of $10,000 to $1 million approved within 24 hours

  • Loan request that does not impact your credit
  • Flexible terms and conditions
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Private mortgage: Giving the power of choice back to homeowners

The mortgage products offered by conventional banks are not easy to access for all owners and investors wanting to take out a loan on their property’s equity. If your situation does not meet the criteria of conventional banks, we offer an array of private mortgage products:

Acquisition or refinancing loans

Financing for up to 75% of your property value, without a minimum credit score

$25,000 to $1,000,000
Learn more

Second mortgage
loans

Get additional funds
while keeping your current
mortgage

$15,000 to $500,000
Learn more

Debt consolidation
loans

Reduce your monthly
payments and benefit from a reduced interest rate

$15,000 to $500,000
Learn more

Loans for real estate investors

Quick approval and shorter term for a simplified and profitable transaction

$25,000 to $1,000,000
Learn more

Get a private mortgage in 3 easy steps

Fill out the application

Simply provide us with a few details, either online or over the telephone, as you prefer. Your application is obligation-free and will not affect your credit score.
1

Meet a representative

Once your financing has been approved and the best option selected, one of our mortgage specialists will come to you, at your convenience, to have you sign the preliminary financing contract.
2

Receive your funds

In under a week, you’ll have signed the notarized mortgage agreement and the money will be in your bank account. Are you ready?
3

Receive approval within 24 hours, obligation-free!

Financing Request

The advantages of a private mortgage

A conventional mortgage application can take several days or even weeks. With Victoria Financial, you’ll get a private mortgage financing offer the same day and you’ll receive your funds within a week.

We offer flexible options, like paying only the interest on the loan and choosing between a short or medium term, to allow our clients to build customized private mortgage financing that’s adapted to their immediate needs.

Bypass the endless paperwork, credit checks, proof of income and costly property appraisal that are normally required for a mortgage. Our loans are approved solely on the basis of your property’s available equity.

 

We have the highest governance standards in the private mortgage industry. For your security, we do not share your information with mortgage brokers or other mortgage lenders.

rating of 4.9/5 from our clients

We greatly appreciated your honesty. Your loan let me consolidate all my debts into a single monthly payment at a lower interest rate. This allowed me to regain control of my situation and if all goes well, I'll be able to repay my loan to you during my mortgage refinancing in 18 months. Thank you so much!

M. Labrie | Laval, Quebec
Second mortgage | Loan consolidation

After spending countless days waiting for confirmation from the banks about the financing of my second real estate flip, I understood that, to grab the opportunities on the market, I should associate myself with a private financing company like yours. I can't wait to present you with my next project!

D. Charbonneau | Montreal, Quebec
First mortgage | Financing for a real estate flip

I loved how quick and easy the process was! Because I had to take care of my father over the last two years, I wasn't able to work to my full potential, so I didn't have the income required to borrow from a regular bank. Thank you again for taking the time to answer all my questions.

S. Steinberg | Town of Mount Royal
First mortgage | Cash-flow

I am very satisfied with your services!!!!! I was looking for a second mortgage for a new roof, and the selection process for many lenders was just endless. With you, I was able to do the whole application and get my funds quickly so I could start on the work. Many thanks!

A. Gouzi | Laval, Quebec
Second mortgage | Renovations
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Are you ready?

FINANCING REQUEST

It’s obligation-free.

Questions? Call us.

1 (877) 220-7738
Monday to Friday, 9:00 a.m. to 5:30 p.m.

Got questions? We’ve got the answers.

Do you have questions about our private mortgages? We’ve got the answers you need!

Yes, because our loans are primarily based on the available equity in your property. We do not consider your credit history.

You can apply for a loan in just a few minutes and receive your funds in less than a week.

The interest rate is fixed, which means it won’t change even if the Central Bank of Canada raises its key interest rate. Our rates start at 12.00% per annum, which is significantly lower than those offered by other alternative institutions.

We offer loans of up to 36 months. The duration of the loan does not affect your monthly payments, which consist solely of interest. We offer the possibility of renewing the loan at maturity if the borrower is unable to repay.

Application fees amount to 3% of the loan amount, with a minimum applicable according to the amount borrowed. Notary fees correspond to the standard costs involved in registering a mortgage. All fees will be deducted from the loan amount when the financing is disbursed, so no funds need to be paid up front by the borrower.

To obtain financing, the documents required include your identification, proof of homeowner’s insurance, mortgage statements from existing creditors, a specimen cheque for pre-authorized debits, and the certificate of location for your property.

Payments can be adjusted to suit your financial situation. For example, you can prepay a portion of your monthly payments to reduce your monthly payments later.

Your payments will consist solely of interest. We take this approach to lighten our customers’ financial burden by minimizing monthly payments.

We finance up to 75% of the property’s value, which may vary depending on the property’s condition and location.

The appraisal is carried out in-house by our experts. The cost is $225.00 and is payable only if you decide to proceed with our financing.

Once the loan has been notarized, the notary will settle the notary’s fees, initial fees, debts with existing creditors (if applicable), municipal and school tax arrears (if applicable), and pay you the residual amount.

We offer financing for all property types, including single-family homes, condominiums, multi-units, commercial properties and land.