Mortgage strategy • Bank • Alternative • Private

Residential and Private Mortgage Strategy

Structured mortgage advice for self-employed borrowers, property investors and borrowers whose circumstances require bank, alternative or private options. Monty assesses the borrower, property, income, credit, equity, timing and exit strategy, then prepares the request for appropriate financing sources.

Request a Confidential Financing Review

Since 2002Financing and mortgage experience
6,000+Clients served
15Industry awards
DirectSenior involvement
Mortgage solutions

Built Around the Borrower and the Property

Purchase and Refinance

Residential purchases, refinances, equity takeouts and secured lines of credit for primary residences, second homes and investment properties.

Self-Employed and Complex Income

Mortgage structures for business owners, professionals and borrowers whose income does not fit standard bank documentation.

Investors and Commercial Property

Financing for rental portfolios, multifamily properties, commercial purchases, construction and property repositioning.

Private, Bridge and Equity Financing

Short-term solutions may be considered where the borrower, property, available equity and exit strategy support a workable structure.

The process

A Disciplined Mortgage Review

01 · AssessReview the borrower, property, requested amount, purpose, timing, income, credit and exit strategy.
02 · StructureIdentify whether a bank, credit union, alternative lender or private source best fits the facts.
03 · PrepareOrganize the income, credit, property, valuation and supporting information required for review.
04 · ExecuteCompare terms, address underwriting questions and coordinate conditions through closing.
What Monty reviews

The Full Credit Picture

A mortgage request is stronger when the borrower, property, repayment capacity and exit strategy are considered together—not as isolated documents.

BorrowerIncome, employment or business ownership, credit, assets, liabilities and liquidity.
Property and SecurityUse, condition, location, value, existing debt and available equity.
Repayment CapacityDocumented income, cash flow, rental income and the ability to carry the proposed facility.
Timing and ExitClosing requirements, bridge periods and the plan to repay or refinance short-term capital.

Put Your Capital to Work Through Private Mortgage Lending

Aiming for $5,000 per month?

At an illustrative 9.95% annual cash rate, $500,000 would generate $49,750 a year, or approximately $4,145.83 per month, before fees and personal taxes. A $5,000 monthly income goal would require approximately $603,015 invested at that same rate. These calculations assume the full principal remains invested, interest is paid monthly and every payment is made. The 9.95% rate is an illustration, not a currently quoted investment offer, forecast or guaranteed return. Actual terms, fees, payment schedules and suitability must be assessed for the specific investment. Capital is at risk.

TFSA, RRSP and other investment accounts

Some mortgage investments can be held in self-directed registered plans. Eligibility depends on the investment, your circumstances, applicable tax rules and the plan trustee. Contribution room and withdrawal rules also apply; income earned inside a registered plan is not automatically spendable income outside it. Non-registered investment options can also be discussed.

MIC shares represent an interest in a pooled mortgage portfolio and may pay dividends. They are different from lending directly against a particular property. Any MIC subscription must follow the issuer’s offering documents and the applicable securities eligibility, suitability and distribution requirements. Our direct-mortgage process below does not describe the MIC subscription process.

Explore private mortgage lending with a process built around your income goals, financial circumstances and capacity to accept risk. Direct mortgage investments earn interest under the loan terms; they are different from shares in a mortgage investment corporation.

Suitability comes first. We review your objectives, experience, liquidity needs and ability to absorb a loss, alongside the proposed mortgage. We assess the borrower, property valuation, mortgage priority, existing debt, repayment capacity and exit strategy.

Separate lawyers. Clear responsibilities. Our process calls for the lender and borrower to have separate legal representation. We coordinate the financing process through closing, with the lawyers responsible for legal advice, security documents and registration. Fees, material risks, conflicts and who the brokerage represents are explained before a decision.

Understand the risks. Mortgage security does not guarantee repayment. Payments may be delayed or missed, property values may fall, enforcement can be costly, and some or all of your capital may be lost. Your funds may not be accessible before repayment. Returns and payment schedules depend on the specific mortgage; no return or capital protection is guaranteed.

Book an investor suitability discussion

Mortgage brokerage services are provided by Monty Sands through Real Mortgage Associates Inc., Brokerage Licence #10464. This is an invitation to discuss suitability, not an offer of a particular investment or MIC shares.

Confidential mortgage review

Start with the Property and the Borrower

Provide a brief, non-sensitive summary of the property, requested amount, intended use, borrower circumstances and timing. Monty will identify the material questions and the next information required.

    Mortgage disclosure: Mortgage services are arranged by Monty Sands, Senior Mortgage Broker, Licence #M08002722, through Real Mortgage Associates Inc., Brokerage Licence #10464.