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Always on the lookout for opportunities

Secure your real estate investment property loan

Requiring quick access to capital is a critical issue for most real estate investors. Don’t let opportunities in real estate investment and purchase-resell (flipping) pass you by because of complicated bank processes! With us as your partner, you will have access to private mortgage loans that will let you secure your acquisitions and increase the number of real estate transactions you can do simultaneously, and therefore improve your profitability as an investor. Our financing solutions are adapted to real estate investors planning to own properties for a short period (flipping) and/or wanting to buy properties quickly without having to jump through all the hoops required by conventional banking institutions.

Am I qualified?

I want to acquire a single-family home, a condominium, a commercial building, an income property or a vacant lot.

The acquisition is located in an urban area with services.

I have a down payment of 25% of the purchase price.

Advantages

Quicker than with a conventional bank

Having a conventional mortgage application approved can take several days. With Victoria Financial, you can fill out our secure online application form in under five minutes and get an answer the same day.

A very simple
process

No need to submit tons of paperwork and have a certain debt ratio to qualify. We grant our private loans based mainly on your property’s available equity.

An open mind and creative spirit

Whether the property you want is vacant or requires major work, we understand that your goal is to maximize your return on investment. We will analyze your project through an entrepreneurial lens to offer you the right mortgage loan.

Submit an application today

« Success Story » : Flipping the Switch to Build Something Beautiful

real-estate-investors-private-mortage

The Labelle family loved all things real estate. Mom, Marie-Jeanne, and her two sons, Marc and Benoit, had previous success renovating and flipping two properties — their original family home and a small duplex they inherited from an aunt.

With the boy’s carpentry experience along with Marie-Jeanne’s deep understanding of the Montreal real estate market and her exceptional staging and decor skills, the Labelle’s knew they had what it takes to grow their wealth through strategic property investment.

And they had a very clear plan —

  • They identified three specific neighborhoods close to public transit and good amenities on the Island of Montreal
  • They had a solid track record of converting dated, shoe-box-style properties into open-concept modern homes, perfect for young families
  • Through rigorous market research, they understood the value of converting cramped duplexes into spacious single-family dwellings

With their skills, research and previous successes, the Labelle’s were confident they’d receive financing for their enterprise.

But conventional banks didn’t see their potential. Adverse to short-term loans, traditional lenders repeatedly declined the Labelle family’s applications for a mortgage to invest in real estate.

It was a stressful ordeal for everyone. The Labelle’s had a solid business idea and the skills to make it work. They just needed someone to see it too.

Learn more about the labelle's story

How the Labelle’s used short-term mortgages to become house-flipping moguls

Finally, they found Victoria Financial. After carefully presenting their business plan to a VF agent, the Labelle’s were able to secure a mortgage for their first real estate flip. It was a huge success.

3 years later, Victoria Financial has partnered with Marie-Jeanne, Marc and Benoit on 8 highly lucrative property flips. With the right money lender, the Labelle’s have what it takes to grow their business, pursue their passion, and live their dreams.

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Apply now

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!

A property flip is an investment strategy where an investor buys a property at a low price, quickly renovates it, and sells it at a higher price to make a profit. This method often requires a real estate investment loan to finance the purchase and renovations.

A real estate investment loan is financing designed to help investors purchase properties for short-term refinancing or quick resale (property flipping). It offers terms tailored to the needs of real estate investors, such as short-term durations.

The advantages of a real estate investment loan include flexible repayment terms (interest-only payments) and quick access to funds, which is essential for quickly seizing opportunities in the real estate market.

A real estate investment loan provides the necessary funds to purchase a property without going through the laborious bank processes. Additionally, private lenders can finance properties that are not in standard condition and require major renovations.

A quick acquisition for short-term refinancing involves purchasing a property quickly, renovating it, and refinancing it shortly after. This is often done to repay the initial loan and take advantage of better long-term financing terms.

A real estate investment loan is ideal for investors looking to flip properties, make quick acquisitions for short-term refinancing, or acquire properties that will undergo a change of use.

General conditions and privacy policy

Victoria Financial, its employees, agents, or assigns, may collect personal information from me, from loan or debt arrangements I have made with or through you, from credit bureaus, appraisers and other financial institutions, and from the references I have provided you. Victoria Financial may collect, use and disclose my personal information for the following purposes:
  • To provide me with financial services;
  • To understand my financial needs;
  • To administer my loan agreements;
  • To develop, manage and deliver products and services to me;
  • To develop and deliver marketing and promotional offers to me;
  • To determine my eligibility for different products and services;
  • To ensure that I receive a high standard of service;
  • To meet regulatory requirements;
  • To manage and transfer the assets and liabilities of Victoria Financial and those assets under its administration; and
  • To verify my identity.
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