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Bridge loan

Seize the opportunity before you sell or refinance

Acquire, reposition or close a real-estate deal while permanent financing falls into place. A bridge loan covers the gap — without timing stress.

  • No credit impact
  • Decision in under 48 h
  • Equity-based decision
  • From $10,000 to $1,000,000
Apply — free Response under 48 h · no credit impact

No obligation · 100% confidential · Law 25

Eligibility

Am I eligible?

Private-mortgage eligibility rests first on your property’s equity. We confirm it in a free 15-minute call, with no credit impact.

Eligibility snapshot
Max financingup to 75% of value
Term lengtha few months to 12 months
Closingas little as 5 business days
Exitsale, refinance or permanent financing
Property typesresidential, plex, income properties
How it works

Why go through Vortex

For buyers and investors

Buy the next property or reposition a plex before selling or refinancing the current one.

Short term, clear exit

Designed to be repaid by the sale, the refinance, or permanent financing once it’s in place.

Fast close

Funds in as little as 5 business days so you don’t miss the window.

The process

From first call to funded

1Free call

15 minutes to understand your situation and property. No credit impact.

2Equity assessment

We confirm value and available equity, then present your options in writing.

3Offer & terms

Rate, fees and term clearly set. No surprises, no hidden costs.

4Funded

Signing at the notary and funds released — in as little as 5 business days.

FAQ

Your questions about Bridge loan

How long does a bridge loan last?

Usually a few months up to a year, until your sale or refinance completes. The term is short by design.

Can I use it for a plex or income property?

Yes. Bridge loans are common for acquiring and repositioning income properties, including 2- to 6-unit plexes.

How is the bridge loan repaid?

Through your exit strategy: selling the property, a refinance, or permanent financing being put in place. We define it with you from the start.

Can the loan be secured on one or two properties?

Depending on the file, a bridge loan can be secured on the property you’re buying, the one you’re selling, or both, to maximize available financing.

What are the rates and fees?

Indicative rates are about 12% on a 1st and 15% on a 2nd mortgage, plus a 2–5% lender fee and notary fees. Over a short term, the total cost stays contained.

Do I need to have already sold my current property?

No. That’s exactly what a bridge loan is for: letting you act before the sale or refinance is finalized.

How fast can you close?

In as little as 5 business days on straightforward files. We know real-estate opportunities don’t come around twice.

Ready to explore your options?

Talk to a Vortex specialist. An honest answer, no credit impact, no obligation.

☏ (514) 998-4999
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