Self-employed, a non-traditional down payment, a tight deadline or imperfect credit: we base the decision on equity and down payment, not income alone.
No obligation · 100% confidential · Law 25
Private-mortgage eligibility rests first on your property’s equity. We confirm it in a free 15-minute call, with no credit impact.
The property and your down payment weigh more than paperwork.
We can close in as little as 5 business days to meet your notary date.
From the start we plan your move to a conventional mortgage.
15 minutes to understand your situation and property. No credit impact.
We confirm value and available equity, then present your options in writing.
Rate, fees and term clearly set. No surprises, no hidden costs.
Signing at the notary and funds released — in as little as 5 business days.
It depends on the property and the file — often from 20 to 25% equity or down payment. The larger the down payment, the more options you have.
Absolutely. Bank statements, contracts and business revenue are welcome — no need for two years of T4s. If the property and down payment hold up, funding is straightforward.
Yes, often through a bridge loan that covers the gap until the sale. We coordinate both transactions.
Houses, condos, plexes, income properties and some rural or commercial properties. Each case is assessed on the property.
Indicative rates are about 12% on a 1st mortgage, plus a 2–5% lender fee and notary and appraisal fees. Everything is presented in writing before signing.
Our first assessment has no credit impact. The decision rests first on equity and down payment.
From the start we plan your transition to a conventional mortgage at a better rate, once your income or credit is established.
Talk to a Vortex specialist. An honest answer, no credit impact, no obligation.
